---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-101224"
form_type: "8-K"
ticker: "BFC"
cik: "0001746109"
company_name: "Bank First Corp"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:03:10.869364+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001104659-25-101224
- form_type: 8-K
- ticker: BFC
- cik: 0001746109
- company_name: Bank First Corp
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/0001104659-25-101224-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/tm2529109d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101224
- JSON: https://secwatch.observer/filing/0001104659-25-101224.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101224.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.