Inferra AIResearch Tools

Inferra AI / Company / BFC

Bank First Corp

BFC · Financials

Last earnings Oct 20, 2026

Key results

Net incomeQ3 2025

$18.0 million

Net income of $18.0 million and $53.1 million for the three and nine months ended September 30, 2025, respectively &middot

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Net incomeytd

$53.1 million

Net income of $18.0 million and $53.1 million for the three and nine months ended September 30, 2025, respectively &middot

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Net incomequarter

$18.0 million

, reported net income of $18.0 million, or $1.83 per share, for the third quarter of 2025, compared with net income of $16.6 million, or $1.65 per share, for the prior-year third quarter.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Adjusted net incomequarter

$18.8 million

, as well as net gains on the sales of securities and other real estate owned (“OREO”), the Bank reported adjusted net income (non-GAAP) of $18.8 million, or $1.91 per share, for the third quarter of 2025, compared with $16.5 million, or $1.65 per share, for the prior-year third quarter.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Adjusted net incomeytd

$53.8 million

For the first nine months of 2025 adjusted net income (non-GAAP) totaled $53.8 million, or $5.42 per share, compared to $47.6 million, or $4.71 per share for the same period in 2024.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

EPSquarter

13%

“We are pleased to report that earnings per share through the first three quarters of 2025 increased by nearly 13% compared to the same period last year, despite incurring over $891,000 in merger expenses related to our acquisition of First National Bank & Trust in Beloit Wisconsin, which is scheduled to close on January 1, 2026,” stated Mike Molepske, Chairman and CEO of Bank First.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

AI analysis

Q3 2025 · reported Oct 21, 2025

Based on: Earnings release + parent 8-K — transcript not held

Net income · Q3 2025
$18.0M
EX-99 · Oct 21, 2025
Adjusted net income · Q3 2025
$18.8M
EX-99 · Oct 21, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$18.0 million——
Adjusted net income$18.8 million——
EPS13%——

EX-99 · Oct 21, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$3.50

Dividends, including a $3.50 per common share special dividend declared in the second quarter of 2025, totaling $48.1 million and repurchases of BFC common stock totaling $22.0 million outpaced earnings of $53.1 million through the first nine months of 2025, causing the decline in capital.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

“This continued growth in earnings was driven by mid-single-digit loan expansion and an increase in loan yields due to repricing

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Dividends, including a $3.50 per common share special dividend declared in the second quarter of 2025, totaling $48.1 million and repurchases of BFC common stock totaling $22.0 million outpaced earnings of $53.1 million through the first nine months of 2025, causing the decline in capital.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Dividend Declaration Bank First’s Board of Directors approved a quarterly cash dividend of $0.45 per common share, payable on January 7, 2026, to shareholders of record as of December 24, 2025.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Strategy & priorities

“This continued growth in earnings was driven by mid-single-digit loan expansion and an increase in loan yields due to repricing.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

The Bank has grown through both acquisitions and de novo branch expansion.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

These forward-looking statements include, without limitation, statements relating to the timing, benefits, costs, and synergies of the merger with Hometown, statements relating to our projected growth, anticipated future financial performance, financial condition, credit quality, and management’s long-term performance goals, and statements relating to the anticipated effects on our business, financial condition and results of operations from expected developments or events, our business, growth and strategies.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Risks & headwinds

Accordingly, Bank First cautions shareholders and investors that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward-looking statements.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

New risks and uncertainties may emerge from time to time, and it is not possible for Bank First to predict their occurrence or how they will affect the company.

SEC original ↗Bank First Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials
Documents

Filings

33 documents

Earnings releases

14 documents

Presentations

0 documents

No presentations for Bank First Corp are held in this edition of the library.

Transcripts

0 documents

No transcripts for Bank First Corp are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.