Bank First Gross Profit vs. Operating Margin

BFC Stock  USD 106.79  0.41  0.38%   
Based on Bank First's profitability indicators, Bank First's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Bank First's ability to earn profits and add value for shareholders.
 
Gross Profit  
First Reported
2000-03-31
Previous Quarter
54.3 M
Current Value
57.9 M
Quarterly Volatility
11.8 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At present, Bank First's EV To Sales is projected to increase slightly based on the last few years of reporting. The current year's Price Sales Ratio is expected to grow to 6.36, whereas Sales General And Administrative To Revenue is forecasted to decline to 0.21. At present, Bank First's Income Before Tax is projected to increase significantly based on the last few years of reporting. The current year's Net Income is expected to grow to about 78.2 M, whereas Accumulated Other Comprehensive Income is projected to grow to (8.3 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.50.4163
Fairly Up
Pretty Stable
Operating Profit Margin0.620.6548
Notably Down
Slightly volatile
Pretax Profit Margin0.640.5519
Fairly Up
Slightly volatile
Return On Assets0.00910.0176
Way Down
Slightly volatile
Return On Equity0.120.1202
Slightly Down
Pretty Stable
For Bank First profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Bank First to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Bank First National utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Bank First's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Bank First National over time as well as its relative position and ranking within its peers.
  
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bank First. If investors know Bank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bank First listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.158
Dividend Share
1.4
Earnings Share
8.14
Revenue Per Share
18.208
Quarterly Revenue Growth
0.037
The market value of Bank First National is measured differently than its book value, which is the value of Bank that is recorded on the company's balance sheet. Investors also form their own opinion of Bank First's value that differs from its market value or its book value, called intrinsic value, which is Bank First's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bank First's market value can be influenced by many factors that don't directly affect Bank First's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bank First's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bank First is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bank First's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Bank First National Operating Margin vs. Gross Profit Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Bank First's current stock value. Our valuation model uses many indicators to compare Bank First value to that of its competitors to determine the firm's financial worth.
Bank First National is rated below average in gross profit category among its peers. It is rated second in operating margin category among its peers . The ratio of Gross Profit to Operating Margin for Bank First National is about  222,707,647 . At present, Bank First's Gross Profit is projected to increase significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bank First's earnings, one of the primary drivers of an investment's value.

Bank Operating Margin vs. Gross Profit

Gross Profit is the most basic measure of business operational efficiency. It is simply the difference between sales revenue and the cost associated with making a product or providing a service. It is calculated before deducting administrative expenses, taxes, and interest payments.

Bank First

Gross Profit

 = 

Revenue

-

Cost of Revenue

 = 
121.73 M
Gross Profit varies significantly from one sector to another and tells an investor how much money a business would have made if it didn't have to pay any overhead expenses such as salary, taxes, or rent.
Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.

Bank First

Operating Margin

 = 

Operating Income

Revenue

X

100

 = 
0.55 %
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.

Bank Operating Margin Comparison

Bank First is currently under evaluation in operating margin category among its peers.

Bank First Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Bank First, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Bank First will eventually generate negative long term returns. The profitability progress is the general direction of Bank First's change in net profit over the period of time. It can combine multiple indicators of Bank First, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-8.7 M-8.3 M
Operating Income117.2 M123.1 M
Income Before Tax98.8 M103.7 M
Total Other Income Expense Net-18.4 M-17.5 M
Net Income74.5 M78.2 M
Income Tax Expense24.3 M25.5 M
Net Income Applicable To Common Shares52 M54.6 M
Net Income From Continuing Ops52.5 M31.9 M
Net Interest Income131.2 M81.3 M
Interest Income169.6 M96.7 M
Change To Netincome-1 M-996.4 K
Net Income Per Share 7.32  7.69 
Income Quality 0.71  1.39 
Net Income Per E B T 0.75  0.85 

Bank Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Bank First. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Bank First position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Bank First's important profitability drivers and their relationship over time.

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When determining whether Bank First National offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bank First's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bank First National Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bank First National Stock:
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To fully project Bank First's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Bank First National at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Bank First's income statement, its balance sheet, and the statement of cash flows.
Potential Bank First investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Bank First investors may work on each financial statement separately, they are all related. The changes in Bank First's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Bank First's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.