---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-005776"
form_type: "8-K"
ticker: "BFC"
cik: "0001746109"
company_name: "Bank First Corp"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:49:43.977997+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bank First Q4 EPS $1.87, annual EPS $7.23; dividend raised 11.1% to $0.50

## Summary
- Q4 net income $18.4M ($1.87 EPS) vs $17.5M ($1.75) a year ago; full year $71.5M ($7.23) vs $65.6M ($6.50).
- Adjusted (non-GAAP) Q4 EPS $2.00; full year $7.42; NIM improved to 4.01% from 3.61% a year ago.
- No provision for credit losses in Q4; nonperforming assets remain negligible at 0.20% of total assets.
- Quarterly cash dividend increased 11.1% to $0.50 per share, payable Apr 8, 2026 to holders of record Mar 25, 2026.
- Acquisition of Centre 1 Bancorp closed Jan 1, 2026; incurred $1.5M merger expenses in 2025; total assets ~$6B post-merger.

## SEC filing metadata
- accession: 0001104659-26-005776
- form_type: 8-K
- ticker: BFC
- cik: 0001746109
- company_name: Bank First Corp
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1746109/000110465926005776/0001104659-26-005776-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1746109/000110465926005776/tm263763d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-005776
- JSON: https://secwatch.observer/filing/0001104659-26-005776.json
- Plain text: https://secwatch.observer/filing/0001104659-26-005776.txt

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