Stock Ratings / Financials / BFC / dividends

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Bank First Corporation (BFC) Dividend Safety Gauge & 10-Year DRIP Compounder

$150.62 +1.85% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Bank First Corporation (BFC) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $1.67B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BFC)Realized 20D OHLCV Swing Band: ±5.7%

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BFC)

✓Walkthrough of BFC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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BFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.65%📐 HORIZONTAL RANGE

2026-10-30O $151.7H $151.7L $148.8C $150.6VOL 87.0K

RES: $167.1SUP: $126.5SMA50: $150.4SMA200: $145.1

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BFC Butterfly Map → + Track BFC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

17.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BFC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BFC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BFC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BFC)

Financials Rank #699 of 1096 ⚔️ NBHC vs BFC Full Matrix →

1. Head-to-Head Financials Peer Comparison (BFC vs. NBHC, QCRH, TCBK, LOB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Bank First Corporation (BFC) ranks #699 by composite RQD confidence (55/100, grade D+) and #466 by equity capitalization ($1.67B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. NBHC currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with BFC at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BFC ACTIVE Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	Benchmark Subject
NBHC National Bank Holdings Corporation	B	72/100	15.3x	—	7.9%	+0.21%	$1.67B	/nbhc-vs-bfc →
QCRH QCR Holdings Inc.	C+	69/100	13.2x	—	11.4%	+1.37%	$1.68B	/qcrh-vs-bfc →
TCBK TriCo Bancshares	C	65/100	14.1x	—	9.2%	+0.87%	$1.71B	/tcbk-vs-bfc →
LOB Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-bfc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001746109

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank First Corporation (BFC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $71.5M, operating cash flow of $62.5M, and free cash flow of $51.0M (-12.9% YoY). On the balance sheet, BFC closed FY2025 with $4.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$71.5M	$62.5M	$51.0M	$4.51B	—
FY2024 (FY)	2024-12-31	$0	$65.6M	$65.8M	$58.6M	$4.50B	—
FY2023 (FY)	2023-12-31	$0	$74.5M	$52.9M	$52.9M	—	—

3. BFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Bank First Corporation (NASDAQ: BFC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $150.62 (+1.85% 1D, market cap $1.67B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, BFC ranks #699 in composite RQD confidence.

How does BFC compare to NBHC and QCRH in the Financials sector?

Within the Financials sector (Major Banks), BFC carries a Roarable D+ (55/100 RQD), trailing P/E of 23.4x, gross margin of —, and ROIC of 11.1%. By comparison, NBHC (National Bank Holdings Corporation) holds a B grade (72/100 RQD, P/E 15.3x, ROIC 7.9%, cap $1.67B) and QCRH (QCR Holdings Inc.) posts a C+ grade (69/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.68B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BFC?

Per BFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001746109), Bank First Corporation generated $0 in revenue, $71.5M in net income, and $51.0M in free cash flow against $4.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BFC trading relative to its 50-day, 200-day, and 52-week technical levels?

BFC last traded at $150.62 (+1.85% on volume of 129,822 shares), positioning the stock +0.15% above its 50-day simple moving average ($150.40) and +3.79% above its 200-day simple moving average ($145.12). Across its 52-week range of $119.08 to $159.10, BFC sits at the 78.8% percentile with a 14-day RSI of 51.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($142.03 to $159.21).

BFC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does BFC pay a dividend and is it safe?

Bank First Corporation (BFC) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: BFC RQD Cockpit BFC 12M Forecast BFC Earnings & Move BFC Dividends & DRIP BFC Insiders & 13F BFC Whale Options BFC Profit Sankey BFC News & Why