Bank First Q3 net income rises to $18.0M ($1.83 EPS); adj. EPS $1.91; declares $0.45 dividend

Bank First Corp

2025-Q3 EPS reported $5.36

Net income of $18.0M ($1.83 diluted EPS) vs $16.6M ($1.65) in Q3 2024; nine-month net income $53.1M ($5.36 EPS) vs $48.0M ($4.75).
Adjusted net income (non-GAAP) of $18.8M ($1.91 per share) for Q3 2025.
Net interest margin expanded to 3.88% from 3.76% YoY; loan portfolio grew at 5.5% annualized in Q3.
Declared quarterly cash dividend of $0.45 per share, payable Jan 7, 2026, record Dec 24, 2025.
Merger expenses of $0.9M related to acquisition of Centre 1 Bancorp (closing Jan 1, 2026).

item 2.02item 9.01

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