Bank First Corporation (BFC)

Bank First Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	71.5	65.56	74.51	45.21	45.44
Depreciation & Amortization	7.42	8.05	8.4	3.97	3.19
Provision for Credit Losses	1.25	-0.8	4.68	2.2	3.1
Stock-Based Compensation	2.14	2.17	2.14	1.66	1.39
Net Change in Loans Held-for-Sale	-1.35	1.22	-1.47	1.7	5.53
Other Adjustments	-14.76	-13.21	-49.24	-15.21	-15.22
Changes in Other Operating Activities	-3.71	2.86	13.91	0.47	-3.15
Operating Cash Flow	62.48	65.85	52.95	40.01	40.28
Operating Cash Flow Growth	-5.11%	24.37%	32.34%	-0.68%	-8.37%
Net Change in Loans Held-for-Investment	-84.66	-168.86	-37.41	-198	-41.71
Net Change in Securities and Investments	74.63	-86.92	172.51	-131.99	-50.65
Payments for Business Acquisitions	-	-	89.96	154.36	-
Capital Expenditures	-11.44	-7.23	-13.48	-6.87	-8.72
Sale of Property, Plant & Equipment	0.9	6.32	1.83	0.32	2.44
Other Investing Activities	4.6	3.75	55.59	4.37	4.75
Investing Cash Flow	-15.97	-252.94	269	-177.81	-93.89
Net Change in Deposits	34.67	228.07	-159.41	-72.88	207.77
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-75.75	-21.45	56.07	4.75
Long-Term Debt Issued	220	140	121.7	3,129	5
Long-Term Debt Repaid	-245.51	-44.12	-112.86	-3,130	-20.38
Net Long-Term Debt Issued (Repaid)	-25.51	95.88	8.85	-0.88	-15.38
Issuance of Common Stock	0.74	0.25	0.2	0.11	0.11
Repurchase of Common Stock	-22.04	-31.93	-10.05	-14.31	-8.27
Net Common Stock Issued (Repurchased)	-21.31	-31.68	-9.85	-14.2	-8.16
Common Dividends Paid	-52.5	-15.56	-11.96	-7.82	-8.73
Financing Cash Flow	-64.64	200.95	-193.82	-39.71	180.24
Net Cash Flow	-18.13	13.86	128.12	-177.51	126.64
Free Cash Flow	51.04	58.62	39.46	33.14	31.57
Free Cash Flow Growth	-12.94%	48.56%	19.09%	4.98%	-11.31%
FCF Margin	29.57%	37.04%	21.11%	27.25%	28.56%
Free Cash Flow Per Share	5.17	5.83	3.87	4.11	4.13
Levered Free Cash Flow	38.26	165.12	92.19	41.9	21.38
Unlevered Free Cash Flow	-7.73	3.68	8.83	-2.43	-8.68

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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