Bank First Corp. (BFC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$156.23+0.90%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BFC
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $156 the market pays 2.1× p/b — above the 1.2× p/b peer median but in line with its own 2× history. That premium reflects a durable franchise our peer-anchored $120 fair value understates; treat the 'expensive vs peers' read with medium confidence. Even valued only for durable growth at sustainable margins, it's worth about $177 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $150.80 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $117.04 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $20.51 | — | — | TTM | high |
| graham number | 12M | $115.25 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $91.41 |
| 1.2 |
| 73.70 |
| TTM |
| high |
| Peer P/FCF | 12M | $44.70 | 11.7 | 3.83 | TTM | high |
| Peer P/E | 12M | $95.69 | 11.9 | 8.01 | TTM | high |
| Peer P/S | 12M | $74.32 | 3.2 | 23.52 | TTM | high |
| residual income | 12M | $80.65 | — | — | TTM | high |
| Own P/E history | 12M | $152.53 | 19.0 | 8.01 | TTM | high |
| triangulated | 12M | $98.47 | 11.9 | 8.24 | Triangulated | high |
| Peer P/B | 3Y | $131.19 | 1.2 | 105.78 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $56.95 | 11.7 | 4.88 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $172.62 | 11.9 | 14.45 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $111.70 | 3.2 | 35.34 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $275.18 | 19.0 | 14.45 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $166.92 | 1.2 | 134.59 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $66.93 | 11.7 | 5.74 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $228.29 | 11.9 | 19.11 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $147.72 | 3.2 | 46.74 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $363.92 | 19.0 | 19.11 | Hist. CAGR(prov.) | high |