Bank First National Corp (BFC) — Cash Flow Quality Index
Bank First National Corp (BFC) has a Cash Flow Quality Index of 0.47x as of June 2026. Operating cash flow of $11.65 Million is below net income of $24.69 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore BFC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank First National Corp Cash Flow Quality Index (1998–2025)
Historical Cash Flow Quality Index for Bank First National Corp across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of Bank First National Corp.
Annual Cash Flow Quality Index for Bank First National Corp (1998–2025)
Year-by-year earnings quality comparison for Bank First National Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.87x | $62.48 Million | $71.50 Million | ▼ -13.0% |
| 2024 | 1.00x | $65.85 Million | $65.56 Million | ▲ +41.3% |
| 2023 | 0.71x | $52.95 Million | $74.51 Million | ▼ -19.7% |
| 2022 | 0.88x | $40.01 Million | $45.21 Million | ▼ -0.2% |
| 2021 | 0.89x | $40.28 Million | $45.44 Million | ▼ -23.3% |
| 2020 | 1.16x | $43.96 Million | $38.05 Million | ▲ +36.2% |
| 2019 | 0.85x | $22.65 Million | $26.69 Million | ▼ -6.3% |
| 2018 | 0.91x | $23.05 Million | $25.46 Million | ▼ -24.3% |
| 2017 | 1.20x | $18.32 Million | $15.31 Million | ▲ +23.8% |
| 2016 | 0.97x | $14.41 Million | $14.91 Million | ▲ +2.6% |
| 2015 | 0.94x | $12.62 Million | $13.39 Million | ▼ -27.7% |
| 2014 | 1.30x | $16.44 Million | $12.62 Million | ▲ +10.6% |
| 2013 | 1.18x | $13.62 Million | $11.56 Million | ▼ -21.1% |
| 2012 | 1.49x | $15.56 Million | $10.42 Million | ▼ -5.6% |
| 2011 | 1.58x | $13.52 Million | $8.55 Million | ▲ +1.2% |
| 2010 | 1.56x | $11.64 Million | $7.45 Million | ▼ -20.2% |
| 2009 | 1.96x | $13.07 Million | $6.67 Million | ▼ -7.0% |
| 2008 | 2.11x | $13.14 Million | $6.24 Million | ▲ +36.7% |
| 2007 | 1.54x | $11.41 Million | $7.40 Million | ▲ +14.6% |
| 2005 | 1.35x | $9.18 Million | $6.82 Million | ▲ +33.0% |
| 2004 | 1.01x | $7.99 Million | $7.90 Million | ▼ -22.7% |
| 2003 | 1.31x | $9.98 Million | $7.63 Million | ▼ -18.2% |
| 2002 | 1.60x | $11.35 Million | $7.09 Million | ▲ +10.0% |
| 2001 | 1.45x | $7.86 Million | $5.41 Million | ▼ -6.7% |
| 2000 | 1.56x | $8.27 Million | $5.30 Million | ▲ +40.0% |
| 1999 | 1.11x | $5.49 Million | $4.93 Million | ▼ -17.2% |
| 1998 | 1.35x | $6.19 Million | $4.60 Million | — |