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Bank First Corporation BFC Provision for Credit Losses

Provision for Credit Losses at other companies

First Financial Corporation logo
First Financial CorporationTHFF
$1.3M-33.3%
Associated Banc-Corp logo
Associated Banc-CorpASB
$19.39M+7.7%
Wintrust Financial logo
Wintrust FinancialWTFC
$23.13M+4.0%
Business First Bancshares logo
Business First BancsharesBFST
$1.99M-10.5%
First Financial Bankshares logo
First Financial BanksharesFFIN
$4.18M+33.6%
First Financial Bancorp logo
First Financial BancorpFFBC
$12.93M+42.4%

Other financials

Income statement

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Revenue$65.0M+56.2%
Net income$24.7M+46.3%
EPS (diluted)$2.21+29.2%

Balance sheet

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Cash & equivalents$266.5M+121%
Total debt$1.6M
Total equity$819.3M+33.8%
Total assets$5.9B+36.3%

Cash flow

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Operating cash flow$24.4M+106%
CapEx$3.8M+3.9%
Free cash flow$20.7M+151%

Valuation

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Market cap$1.72B+48.3%
P/E21.2×+4.5×
P/S7.9×+0.9×

Profitability

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Net margin37.2%-4.6pp
FCF margin19.5%-14.6pp

Returns & leverage

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Return on equity11.3%0.0pp
Debt / equity

Where this comes from

Reported directly by Bank First Corporation in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The source filing: Bank First Corporation’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 12:26 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092556
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Borrowed funds1,4991,6741,8393,333
Total interest expense20,68617,87341,07536,384
Net interest income55,03336,702108,24973,239
Provision for credit losses200600
Net interest income after provision for credit losses55,03336,502108,24972,639
Noninterest income:
Service charges4,1022,0538,7924,064
Income from Ansay8661,1531,8412,334

Item 1. FINANCIAL STATEMENTS:

FAQ

What is Bank First Corporation's provision for credit losses?
Bank First Corporation (BFC) reported provision for credit losses of $0 in Q4 2025.
How has Bank First Corporation's provision for credit losses changed year-over-year?
Bank First Corporation's provision for credit losses increased by 100.0% year-over-year, from -$1M to $0.
What is the long-term trend for Bank First Corporation's provision for credit losses?
Over 2 years (2021 to 2025), Bank First Corporation's provision for credit losses has grown at a -36.5% compound annual growth rate (CAGR), from $3.1M to $1.25M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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