Bank First Corporation (BFC)

Bank First Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	86.88	71.5	65.56	74.51	45.21	45.44
Depreciation & Amortization	11.74	7.42	8.05	8.4	3.97	3.19
Gain (Loss) on Sale of Assets	0.66	0.76	-0.32	2.5	-0.09	-0.06
Gain (Loss) on Sale of Investments	-6.78	-3.41	-3.38	-33.38	0.32	0.81
Total Asset Writedown	-9.01	-2.89	-4.64	-6.88	-2.56	-1.95
Provision for Credit Losses	0.75	1.25	-0.8	4.68	2.2	3.1
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.57	-1.35	1.22	-1.47	1.7	5.53
Change in Other Net Operating Assets	-9.87	-3.71	2.86	13.91	0.47	-3.15
Other Operating Activities	-4.22	-3.5	-0.08	-5.39	-5.7	-1.51
Operating Cash Flow	70.39	62.48	65.85	52.95	40.01	40.28
Operating Cash Flow Growth	9.52%	-5.11%	24.37%	32.34%	-0.68%	-8.37%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-14.24	-11.44	-7.23	-13.48	-6.87	-8.72
Sale of Property, Plant and Equipment	0.08	0	2.38	-	-	0.55
Cash Acquisitions	169.49	-	-	89.96	154.36	-
Investment in Securities	11.71	74.55	-85.65	228.05	-127.72	-50.65
Income (Loss) Equity Investments	-2.86	-3.92	-3.5	-5.19	-5.61	-5.14
Net Decrease (Increase) in Loans Originated / Sold - Investing	22.82	-84.66	-168.86	-37.41	-198	-41.71
Other Investing Activities	6.71	4.68	2.47	0.05	0.11	4.75
Investing Cash Flow	198.35	-15.97	-252.94	269	-177.81	-93.89

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	-	56.07	4.75
Long-Term Debt Issued	-	220	140	121.7	3,129	5
Total Debt Issued	120	220	140	121.7	3,185	9.75
Short-Term Debt Repaid	-	-	-75.75	-21.45	-	-
Long-Term Debt Repaid	-	-245.51	-44.12	-112.86	-3,130	-20.38
Total Debt Repaid	-342.81	-245.51	-119.87	-134.3	-3,130	-20.38
Net Debt Issued (Repaid)	-222.81	-25.51	20.13	-12.6	55.19	-10.64
Issuance of Common Stock	0.32	0.74	0.25	0.2	0.11	0.11
Repurchase of Common Stock	-23.85	-22.04	-31.93	-10.05	-14.31	-8.27
Common Dividends Paid	-22.87	-52.5	-15.56	-11.96	-7.82	-8.73
Net Increase (Decrease) in Deposit Accounts	86.51	34.67	228.07	-159.41	-72.88	207.77
Financing Cash Flow	-182.71	-64.64	200.95	-193.82	-39.71	180.24

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	86.04	-18.13	13.86	128.12	-177.51	126.64

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	56.15	51.04	58.62	39.46	33.14	31.57
Free Cash Flow Growth	7.72%	-12.94%	48.56%	19.09%	4.98%	-11.31%
Free Cash Flow Margin	23.57%	29.57%	37.05%	22.04%	27.25%	28.57%
Free Cash Flow Per Share	5.21	5.18	5.84	3.88	4.12	4.14

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	76.47	71.04	65.97	44.15	11.31	7.06
Cash Income Tax Paid	18.69	15.87	14.09	23.81	14.14	16.76

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 11, 2026

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