BFC - Bank First Corp

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	56.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+837%)	47.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+697%)	—	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	7.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+17%)	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+138%)	—	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	—	19.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+227%)	32.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+434%)	38.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+539%)	—	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+192%)	2.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-146%)	—	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	25.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+327%)	—	19.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	57.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+862%)	21.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+263%)	—	30.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+400%)	-3.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-161%)	-6.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-203%)	—	40.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+569%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	29.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	20.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-48.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	16.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	38.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	137.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-11.6% Weak → Weak Stable Year-over-year change in earnings per share Optimal: > 10%	-18.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-13.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.3% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-10.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	35.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	44.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	49.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	22.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	3.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	15.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-5.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	85.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	43.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	9.6% Fair ↓ Fair Declining Year-over-year change in net income	9.6% Fair ↓ Fair Declining Year-over-year change in net income	4.8% Caution ↓ Caution Declining Year-over-year change in net income	18.4% Good ↑ Good Improving Year-over-year change in net income	18.4% Good ↑ Good Improving Year-over-year change in net income	18.4% Good ↑ Good Improving Year-over-year change in net income	-49.7% Weak ↓ Weak Declining Year-over-year change in net income	44.3% Excellent ↓ Excellent Declining Year-over-year change in net income	44.3% Excellent ↓ Excellent Declining Year-over-year change in net income	44.3% Excellent ↓ Excellent Declining Year-over-year change in net income	171.7% Excellent ↑ Excellent Improving Year-over-year change in net income	4.9% Caution ↓ Caution Declining Year-over-year change in net income	4.9% Caution ↑ Caution Improving Year-over-year change in net income	4.9% Caution ↑ Caution Improving Year-over-year change in net income	15.0% Good ↑ Good Improving Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	-3.2% Weak ↓ Weak Declining Year-over-year change in net income	58.5% Excellent → Excellent Stable Year-over-year change in net income	58.5% Excellent ↑ Excellent Improving Year-over-year change in net income	58.5% Excellent ↑ Excellent Improving Year-over-year change in net income	54.6% Excellent ↑ Excellent Improving Year-over-year change in net income	10.3% Fair ↓ Fair Declining Year-over-year change in net income	10.3% Fair ↑ Fair Improving Year-over-year change in net income	10.3% Fair ↑ Fair Improving Year-over-year change in net income	23.1% Good ↑ Good Improving Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	84.9% Excellent Excellent Year-over-year change in net income	84.3% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	19.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	10.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	13.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.0% Good → Good Stable Compound annual revenue growth over 3 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	11.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	11.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.8% Good Good Compound annual revenue growth over 3 years	—	29.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	18.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	9.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	13.9% Excellent → Excellent Stable Compound annual revenue growth over 5 years	—	11.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.3% Excellent → Excellent Stable Compound annual revenue growth over 5 years	—	16.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.1% Excellent Excellent Compound annual revenue growth over 5 years	—	20.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	17.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.4% Fair → Fair Stable Compound annual EPS growth over 3 years	13.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	31.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	0.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.3% Fair → Fair Stable Compound annual EPS growth over 3 years	1.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	9.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	19.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	12.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	45.2% Excellent Excellent Compound annual EPS growth over 3 years	31.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	47.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	38.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	—	50.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	49.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	51.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	—	50.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	51.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	45.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	—	50.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	49.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	37.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	—	42.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	52.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	49.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	—	53.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	53.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+114%)	—	—	51.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+107%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	26.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	30.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	31.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	—	41.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	43.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	42.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	—	37.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	39.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	40.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	—	27.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	27.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	28.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	31.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	35.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	37.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	—	41.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	40.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	40.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	—	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	32.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	28.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	36.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	35.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	—	39.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	37.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	35.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	—	29.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	2.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	2.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—	0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$5.86	$5.71	—	$4.52	$4.22	$4.33	—	$4.09	$3.88	$3.71	—	$3.81	$3.71	$3.92	—	$4.00	$3.89	$3.65	—	$3.68	$3.72	$3.70	—	$3.65	$3.86	$0.00	—	$3.36	$2.78	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$2.21	$1.78	$1.87	$1.83	$1.71	$1.82	$1.75	$1.65	$1.59	$1.51	$3.39	$1.43	$1.37	$1.09	$1.43	$1.26	$1.55	$1.34	$1.47	$1.46	$1.50	$1.49	$1.50	$1.42	$1.11	$1.03	$1.05	$0.95	$0.91	$1.00	$0.91	$0.89	$0.96	$1.05	$0.49	$0.62	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.50	—	—	$0.45	$0.45	$0.45	—	$0.35	$0.35	$0.35	—	$0.25	$0.25	$0.25	—	$0.25	$0.22	$0.22	—	$0.50	$0.21	$0.21	$0.21	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.16	$0.16	$0.16	$0.16	$0.16	—	—	—
Book Value per Share (USD)	$73.95	$73.05	$65.47	$63.87	$62.14	$65.02	$63.89	$63.14	$61.30	$60.16	—	$55.62	$54.95	$54.04	—	$48.67	$42.06	$42.04	—	$41.26	$40.69	$39.26	—	$37.28	$35.70	$33.21	—	$32.26	$28.42	$27.24	—	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$51.80	$51.10	$47.66	$46.07	$62.14	$47.46	$46.40	$63.14	$61.30	$42.87	—	$38.75	$38.09	$37.21	—	$36.31	$34.64	$34.24	—	$32.87	$40.69	$30.94	—	$37.28	$27.22	$25.84	—	$32.26	$28.42	$24.18	—	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	11.10M	11.17M	—	9.79M	9.85M	9.95M	—	9.96M	10.03M	10.18M	—	10.33M	10.33M	9.71M	—	8.21M	7.46M	7.54M	—	7.61M	7.65M	7.66M	—	7.67M	7.40M	7.03B	—	6.99M	6.53M	—	—	—	—	—	—	—	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	19.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	34.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	14.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.1% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	22.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	25.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$2.55M	$1.71M	$7.71M	—	$9.11M	—	$12.86M	—	—	$24.99M	$38.80M	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$819.31M	$819.85M	$643.84M	$628.12M	$612.33M	$648.41M	$639.68M	$628.89M	$614.58M	$609.33M	$619.80M	$577.33M	$570.87M	$562.37M	$453.10M	$439.42M	$314.16M	$318.30M	$322.65M	$315.26M	$311.43M	$303.44M	$294.86M	$286.10M	$276.10M	$237.68M	$230.21M	$225.33M	$185.45M	$179.18M	$174.32M	$169.13M	$165.20M	$161.80M	$161.73M	$134.93M	$127.52M	$127.52M	$118.93M

📋 What is driving earnings? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$65.03M	$63.75M	—	$44.21M	$41.62M	$43.12M	—	$40.78M	$38.88M	$37.75M	—	$39.31M	$38.34M	$38.08M	—	$32.86M	$29.03M	$27.52M	—	$27.96M	$28.46M	$28.31M	—	$28.04M	$28.56M	$22.54M	—	$23.46M	$18.11M	$18.51M	—	$18.04M	$18.80M	$19.73M	—	$12.88M	—	—	—
Net Income, GAAP (USD)	$19.99M	$19.99M	$18.39M	$18.24M	$18.24M	$18.24M	$17.54M	$15.41M	$15.41M	$15.41M	$34.90M	$10.68M	$10.68M	$10.68M	$12.84M	$10.18M	$10.18M	$10.18M	$11.16M	$11.51M	$11.51M	$11.51M	$11.53M	$7.27M	$7.27M	$7.27M	$7.46M	$6.59M	$6.59M	$6.59M	$6.06M	$7.06M	$7.06M	$7.06M	$3.28M	$3.83M	—	—	—
Operating Cash Flow (USD)	$24.44M	$-11.65M	$29.01M	$15.45M	$11.86M	$6.17M	$30.80M	$18.78M	$14.93M	$1.33M	$20.30M	—	—	$4.11M	$20.01M	—	—	$2.49M	$15.62M	—	$5.50M	$6.13M	$21.64M	$3.33M	—	$-2.11M	$13.51M	$6.93M	$3.60M	$-1.39M	$12.89M	$5.59M	$4.48M	$97.00K	$12.36M	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.5%	3.6%	3.5%	—	3.2%	3.2%	—	—	3.3%	—	3.3%	3.4%	3.1%	—	3.0%	3.2%	3.0%	—	3.2%	—	3.1%	—	—	3.1%	3.4%	—	—	—	3.4%	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	52.9%	61.3%	—	47.7%	49.9%	47.8%	—	49.3%	49.0%	53.8%	—	50.0%	50.8%	51.6%	—	57.5%	45.5%	46.3%	—	44.6%	43.2%	43.2%	—	43.5%	50.6%	56.5%	—	51.5%	55.0%	50.3%	—	53.8%	53.5%	50.6%	—	54.2%	—	—	—

Bank First Corp

Analytical Summary

39-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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