Bank First Corporation — Earnings Quality Grade C
BFC · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 10.0% but CFFO declined -5.1%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 58.4% is >2x revenue growth 10.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.87. Profits backed by cash
FCF $0.1B, FCF/NI = 0.71
Accruals ratio = 0.2%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 32% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Bank First Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25