For the quarter ending 2026-03-31, BFC had $155,431K increase in cash & cash equivalents over the period. -$16,892K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 19,988 | 18,390 | 17,990 | 35,116 |
| Loans | - | 0 | 250 | - |
| Unfunded commitments | - | 0 | 400 | - |
| Provision for credit losses | - | 0 | 650 | 600 |
| Depreciation and amortization of premises and equipment | 724 | 623 | 613 | 1,182 |
| Termination of lease | 1,586 | - | - | - |
| Amortization of intangibles | 2,572 | 1,204 | 1,228 | 2,571 |
| Net accretion of securities | 2,145 | 623 | 694 | 2,092 |
| Amortization of stock-based compensation | 579 | 550 | 551 | 1,035 |
| Accretion of purchase accounting valuations | -3,658 | -532 | -702 | -1,657 |
| Net change in deferred loan fees and costs | 748 | 455 | -45 | 362 |
| Expense (benefit) from deferred income taxes | - | 180 | - | - |
| Change in fair value of msr and other investments | 341 | 91 | 579 | 660 |
| Loss from sale and disposal of premises and equipment | - | -880 | -4 | -32 |
| Net gain on sale of oreo and valuation allowance | 191 | 0 | 0 | 159 |
| Proceeds from sales of mortgage loans | 61,342 | 63,443 | 45,811 | 60,082 |
| Originations of mortgage loans held for sale | 63,774 | 64,861 | 44,237 | 61,590 |
| Gain on sales of mortgage loans | 1,076 | 649 | 482 | 672 |
| Realized loss on sale of securities | -31 | - | - | - |
| Undistributed earnings of joint venture-Ansay Associates Llc | - | 3,915 | - | - |
| Undistributed income of ansay joint venture | -2,673 | - | 1,314 | 2,334 |
| Net earnings on life insurance | 743 | 448 | 443 | 688 |
| Increase in other assets | -8,103 | 1,257 | -1,236 | 1,210 |
| Decrease in other liabilities | -32,925 | 12,922 | -4,226 | -11,172 |
| Net cash (used in) provided by operating activities | -11,651 | 29,009 | 15,451 | 18,022 |
| Sales | 8,920 | - | - | - |
| Maturities, prepayments, and calls | 17,621 | 12,839 | 10,853 | 263,608 |
| Purchases | 27,189 | 4,980 | 5,016 | 202,752 |
| Net (purchase) sales of federal home loan bank ('fhlb') stock | - | -3,490 | 3,411 | - |
| Net increase in loans | -73,635 | -25,908 | 48,644 | 61,919 |
| Proceeds from life insurance | - | 137 | 0 | 1,899 |
| Dividends received from ansay | 691 | 662 | 634 | 1,268 |
| Proceeds from sale of oreo | 991 | 0 | 0 | 900 |
| Proceeds from sale of federal home loan bank stock | 3,920 | - | - | - |
| Net purchases of federal reserve bank ('frb') stock | 3,996 | - | - | - |
| Proceeds from sale of premises and equipment | 1 | 0 | 0 | 1 |
| Purchases of premises and equipment | 5,241 | 2,693 | 2,977 | 5,774 |
| Net cash received in business combination | 169,493 | - | - | - |
| Net cash provided by investing activities | 238,846 | 35,363 | -48,561 | -2,769 |
| Net increase in deposits | 14,649 | 157,015 | -56,683 | -65,658 |
| Proceeds from advances of notes payable | - | 120,000 | 100,000 | - |
| Repayment of notes payable | 77,814 | 220,000 | 0 | 25,508 |
| Dividends paid | 5,611 | 4,437 | 4,425 | 43,639 |
| Proceeds from sales of common stock | 88 | 72 | 74 | 591 |
| Repurchase of common stock | 3,076 | -1 | 0 | 22,043 |
| Net cash (used in) provided by financing activities | -71,764 | 52,651 | 38,966 | -156,257 |
| Net increase in cash and cash equivalents | 155,431 | 117,023 | 5,856 | -141,004 |
| Cash and cash equivalents at beginning of period | 243,207 | 126,184 | 261,332 | - |
| Cash and cash equivalents at end of period | 398,638 | 243,207 | 126,184 | - |
Bank First Corp (BFC)
Bank First Corp (BFC)