For the year ending 2025-12-31, BFC had -$18,125K decrease in cash & cash equivalents over the period. $51,038K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 71,496 |
| Loans | 1,200 |
| Unfunded commitments | 50 |
| Provision for credit losses | 1,250 |
| Depreciation and amortization of premises and equipment | 2,418 |
| Amortization of intangibles | 5,003 |
| Net accretion of securities | 3,409 |
| Amortization of stock-based compensation | 2,136 |
| Accretion of purchase accounting valuations | -2,891 |
| Net change in deferred loan fees and costs | 772 |
| Expense (benefit) from deferred income taxes | 180 |
| Change in fair value of msr and other investments | 1,330 |
| Loss from sale and disposal of premises and equipment | -916 |
| Net (gain) loss on sale of oreo and valuation allowance | 159 |
| Proceeds from sales of mortgage loans | 169,336 |
| Originations of mortgage loans held for sale | 170,688 |
| Gain on sales of mortgage loans | 1,803 |
| Undistributed earnings of joint venture-Ansay Associates Llc | 3,915 |
| Net earnings on life insurance | 1,579 |
| Increase in other assets | 1,231 |
| (decrease) increase in other liabilities | -2,476 |
| Net cash provided by operating activities | 62,482 |
| Activity in securities available for sale and held to maturity maturities, prepayments, and calls | 287,300 |
| Activity in securities available for sale and held to maturity purchases | 212,748 |
| Net increase in loans | 84,655 |
| Dividends received from ansay | 2,564 |
| Proceeds from sale of oreo | 900 |
| Net (purchase) sales of federal home loan bank ('fhlb') stock | -79 |
| Proceeds from life insurance | 2,036 |
| Proceeds from sale of premises and equipment | 1 |
| Purchases of premises and equipment | 11,444 |
| Net cash (used in) provided by investing activities | -15,967 |
| Net increase (decrease) in deposits | 34,674 |
| Proceeds from advances of notes payable | 220,000 |
| Repayment of notes payable | 245,508 |
| Dividends paid | 52,501 |
| Proceeds from sales of common stock | 737 |
| Repurchase of common stock | 22,042 |
| Net cash (used in) provided by financing activities | -64,640 |
| Net (decrease) increase in cash and cash equivalents | -18,125 |
| Cash and cash equivalents at beginning of year | 261,332 |
| Cash and cash equivalents at end of year | 243,207 |
Bank First Corp (BFC)
Bank First Corp (BFC)