BankFirst Capital Corporation (BFCC) Fair Value & Analysis

Financial Services · US · Market cap $332M

A solid business, screening 11% undervalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from $52.61 (bear) to $87.69 (bull), base $70.15. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 60/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range $12.93 – $63.50 · fair‑value band $52.61 – $87.69 · the $63.27 price screens below the $70.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

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Analysis

BankFirst Capital Corporation (BFCC) currently trades at $63.27, while our model-based Fair Value estimate is $70.15, implying the stock looks roughly 10.9% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, BankFirst Capital Corporation generated revenue of $132M at a net margin of 23.2%. Revenue grew 24.1% year over year. It earns a return on equity of 7.5%. Net debt stands at $8.5M. Fundamentals as of Jul 25, 2026

Our scenario range runs from $52.61 (bear case) to $87.69 (bull case); at $63.27, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 67% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 11%, BFCC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($70.15) versus Dividend Discount ($22.30). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services that provides banking and financial services to individual and corporate customers in Mississippi and Alabama. It offers personal and business checking and savings products; and CDs and money market accounts.

Full company description

BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services that provides banking and financial services to individual and corporate customers in Mississippi and Alabama. It offers personal and business checking and savings products; and CDs and money market accounts. The company also provides home mortgages; construction, home equity, auto, boat and recreational vehicle, personal, business term, equipment, commercial real estate, and agricultural loans; SBA lending services; and business lines of credit. In addition, it offers debit and credit cards; and online and mobile banking, positive pay, direct deposit, ACH transfer, e-statement, bill pay, remote deposit capture, merchant card processing, and overdraft protection services. Further, the company provides wealth management services, including financial planning, investment management, and retirement income planning; and cashier checks, safe deposit boxes, wire transfer, ATM, night depository, pre-authorized debit, bank by mail, drive-thru teller, notary, telephone banking, and fax services. BankFirst Capital Corporation was founded in 1888 and is headquartered in Columbus, Mississippi.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

BankFirst Capital Corporation reported revenue of $127M in FY2025 versus $74.1M in FY2021, a compound +14.4%/yr. Reported net income was $28.7M in FY2025, compounding +11.9%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.