secwatch.observer — SEC 8-K summary
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Issuer:     Bank First Corp (BFC)
CIK:        0001746109
Form:       8-K
Filed at:   2025-10-21T23:59:59+00:00
Accession:  0001104659-25-101224
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/0001104659-25-101224-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/tm2529109d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-101224

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