BankFirst Capital Corporation (BFCC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
BankFirst Capital Corporation (BFCC) trades at $62.48 with AI Score 53/100 (Grade B). BankFirst Capital Corporation, founded in 1888, operates as the holding company for BankFirst Financial Services, providing banking services in Mississippi and Alabama. Market cap: $332.03M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for BFCC: BFCC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BFCC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BFCC: 4/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →BankFirst Capital Corporation (BFCC) Financial Services Profile
BankFirst Capital Corporation, operating as BankFirst Financial Services, delivers comprehensive banking solutions across Mississippi and Alabama. With a focus on community banking, the company offers diverse loan products, deposit accounts, and wealth management services, maintaining a strong regional presence and a dividend yield of 2.02% within the financial services sector.
What Is the Investment Thesis for BFCC?
BankFirst Capital Corporation presents a compelling investment case based on its established regional presence and diversified financial service offerings. With a market capitalization of $332.03M and a P/E ratio of 11.9, the company demonstrates stable financial performance. A key value driver is its strong gross margin of 52.6%, indicating efficient operations. Growth catalysts include strategic expansion within its existing markets and potential acquisitions of smaller community banks. The company's dividend yield of 2.02% offers an attractive income stream for investors. Potential risks include sensitivity to interest rate fluctuations and competition from larger regional and national banks. Monitoring loan portfolio performance and maintaining asset quality will be crucial for sustained profitability.
Based on FMP financials and quantitative analysis
BFCC Key Highlights
- Market capitalization of $332.03M reflects the company's size and market value within the regional banking sector.
- P/E ratio of 11.9 indicates a potentially undervalued stock compared to industry peers.
- Profit margin of 15.9% demonstrates the company's ability to generate profits from its operations.
- Gross margin of 52.6% highlights efficient cost management and revenue generation.
- Dividend yield of 2.02% provides an attractive income stream for investors.
Who Are BFCC's Competitors?
BFCC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CSHX Cashmere Valley Bank | $84.30 | +0.36% | $313.07M | 57 |
| FFBB FFB Bancorp | $86.10 | -0.58% | $268.64M | 50 |
| MBLU Morris State Bancshares, Inc. | $25.00 | +0.00% | $265.94M | 60 |
| MFGI Merchants Financial Group, Inc. | $39.50 | +0.00% | $323.06M | 54 |
| MLGF Malaga Financial Corporation | $21.61 | +0.40% | $213.79M | 42 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BFCC's Key Strengths?
- Strong regional presence in Mississippi and Alabama.
- Diversified loan portfolio and service offerings.
- Established history and reputation.
- Solid gross margin of 52.6%.
What Are BFCC's Weaknesses?
- Limited geographic diversification.
- Sensitivity to interest rate fluctuations.
- Smaller size compared to national banks.
- Reliance on traditional banking services.
What Could Drive BFCC Stock Higher?
- Strategic expansion within existing markets to increase market share.
- Continued focus on enhancing digital banking services to attract and retain customers.
- Potential acquisitions of smaller community banks to expand geographic footprint (within the next 2-3 years).
- Expansion of wealth management services to generate additional fee income.
- Focus on SBA lending to support small businesses and drive loan growth.
What Are the Key Risks for BFCC?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional and national banks.
- Economic downturn in the Southeast affecting loan portfolio performance.
- Regulatory changes impacting the banking industry.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for BFCC?
- Expansion within Existing Markets: BankFirst can expand its market share by opening new branches in underserved areas within Mississippi and Alabama. Focusing on growing deposits and loan portfolios in these regions will drive revenue growth. The market size for community banking in these states is estimated at $50 billion, providing ample opportunity for expansion. This expansion can be achieved within the next 3-5 years.
- Strategic Acquisitions: BankFirst can pursue strategic acquisitions of smaller community banks in adjacent markets. This will allow the company to expand its geographic footprint and diversify its customer base. The market for community bank acquisitions is active, with numerous opportunities available. Successful acquisitions can add significant value to BankFirst over the next 2-3 years.
- Enhanced Digital Banking Services: Investing in and expanding digital banking services, including mobile banking and online loan applications, can attract younger customers and improve customer retention. The digital banking market is growing rapidly, with an estimated market size of $100 billion. Implementing these enhancements can drive growth within the next 1-2 years.
- Wealth Management Services: Expanding wealth management services can generate additional fee income and diversify revenue streams. The wealth management market is growing, driven by an aging population and increasing demand for financial planning services. BankFirst can leverage its existing customer base to cross-sell wealth management products. This expansion can be implemented over the next 2-3 years.
- SBA Lending: Increasing focus on SBA lending can drive loan growth and support small businesses in the region. SBA loans offer attractive yields and are guaranteed by the government, reducing credit risk. The market for SBA loans is growing, driven by increased demand from small businesses. BankFirst can expand its SBA lending portfolio within the next 1-2 years.
What Opportunities Does BFCC Have?
- Expansion into adjacent markets through acquisitions.
- Increased adoption of digital banking services.
- Growth in wealth management services.
- Increased SBA lending activity.
What Threats Does BFCC Face?
- Competition from larger regional and national banks.
- Economic downturn in the Southeast.
- Regulatory changes impacting the banking industry.
- Cybersecurity threats and data breaches.
What Are BFCC's Competitive Advantages?
- Established regional presence in Mississippi and Alabama.
- Long-standing history and reputation for community banking.
- Strong customer relationships and local market knowledge.
- Diversified financial service offerings.
What Does BFCC Do?
BankFirst Capital Corporation, established in 1888, serves as the bank holding company for BankFirst Financial Services. Headquartered in Columbus, Mississippi, the company provides a comprehensive suite of banking and financial services to individuals and corporate clients across east central and central Mississippi, as well as northwest and west Alabama. BankFirst's offerings include a variety of personal and business checking and savings products, catering to diverse customer needs. The company also provides an extensive range of loan products, including home mortgages, construction loans, home equity loans, auto loans, boat and recreational vehicle loans, personal loans, business term loans, equipment loans, commercial real estate loans, and agricultural loans. BankFirst also participates in SBA lending services and offers business lines of credit. In addition to traditional banking services, BankFirst provides debit and credit cards, online banking and bill pay, e-statement services, mobile banking, remote deposit capture, and merchant card services. The company also offers wealth management services, cashier's checks, safe deposit boxes, wire transfers, night depository, pre-authorized debit, bank by mail, direct deposit, drive-thru teller services, notary services, and fax services. BankFirst operates through 36 branch locations in Mississippi and Alabama, along with a mortgage office in Oxford, Mississippi. The company's long-standing history and commitment to community banking have solidified its position in the regional financial landscape.
What Products and Services Does BFCC Offer?
- Provides personal and business checking and savings products.
- Offers home mortgages and various types of loans.
- Provides SBA lending services.
- Offers debit and credit cards.
- Provides online and mobile banking services.
- Offers wealth management services.
- Provides safe deposit boxes and wire transfer services.
How Does BFCC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as wealth management and merchant card processing.
- Gains revenue from deposit accounts.
- Profits from SBA lending services.
What Industry Does BFCC Operate In?
BankFirst Capital Corporation operates within the regional banking sector, which is characterized by increasing competition and regulatory scrutiny. The industry is experiencing a shift towards digital banking and enhanced customer experiences. BankFirst's focus on community banking and personalized service positions it well to compete with larger national banks. The regional banking market is expected to grow moderately, driven by economic development in the Southeast and increased demand for local banking services. BankFirst's presence in Mississippi and Alabama allows it to capitalize on these regional growth trends.
Who Are BFCC's Key Customers?
- Individual customers seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing real estate and equipment loans.
- Agricultural businesses seeking financing.
Company Profile
BankFirst Capital Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Columbus, US. The company is led by CEO Andrew Moak Griffin. BFCC has traded publicly since 2019.
BankFirst Capital Corporation Financial Trajectory
BankFirst Capital Corporation (BFCC) reported $48.2M in revenue for Q1 2026, a decline of 0.9% compared to the prior quarter. The company recorded net income of $8.4M, with diluted EPS of $1.43. Revenue has contracted over three consecutive quarters, which investors in this small-cap Financial Services stock should monitor closely. Across the four most recent quarters, BFCC averaged $1.34 in diluted EPS.
How BankFirst Capital Corporation Is Valued
BankFirst Capital Corporation carries a market capitalization of $332.03M, placing it in the small-cap category. Relative to its peer group, BFCC's quantitative score of 53/100 is roughly in line with the peer average of 53/100.
ROE 7%Key Financial Metrics
Return on equity for BankFirst Capital Corporation stands at 7.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. BFCC trades at a trailing price-to-earnings ratio of 11.92, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
BankFirst Capital Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
BFCC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong regional presence in Mississippi and Alabama.
- Diversified loan portfolio and service offerings.
- Established history and reputation.
- Solid gross margin of 52.6%.
Bear Case
- Limited geographic diversification.
- Sensitivity to interest rate fluctuations.
- Smaller size compared to national banks.
- Reliance on traditional banking services.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $48M | $8M | $1.43 |
| Q4 2025 | $49M | $10M | $1.91 |
| Q3 2025 | $50M | $5M | $0.96 |
| Q2 2025 | $42M | $7M | $1.07 |
Based on FMP financials and quantitative analysis
BFCC Latest News
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BANKFIRST CAPITAL CORPORATION Announces Stock Repurchase Program
prnewswire.com · May 21, 2026
BFCC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BFCC.
Price Targets
Wall Street price target analysis for BFCC.
BFCC MoonshotScore
What does this score mean?
The MoonshotScore rates BFCC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Andrew Moak Griffin
CEO
Andrew Moak Griffin serves as the CEO of BankFirst Capital Corporation. His career encompasses extensive experience in the banking and financial services sector. Prior to his role at BankFirst, Griffin held various leadership positions at community and regional banks. He possesses a strong understanding of financial management, strategic planning, and risk management. Griffin's educational background includes a degree in finance and certifications in banking leadership. His expertise is crucial in guiding BankFirst's strategic direction and ensuring its continued growth and profitability.
Track Record: Under Andrew Moak Griffin's leadership, BankFirst Capital Corporation has focused on expanding its regional presence and enhancing its digital banking capabilities. Key achievements include the successful integration of acquired community banks and the implementation of new technology platforms to improve customer service. Griffin has also overseen the growth of the company's loan portfolio and the diversification of its revenue streams. His strategic decisions have contributed to BankFirst's stable financial performance and its commitment to community banking.
BFCC OTC Market Information
The OTC Other tier, where BankFirst Capital Corporation trades, represents the lowest tier of the over-the-counter market. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, companies on the OTC Other tier often have limited financial disclosure requirements and may not meet the minimum listing standards of the larger exchanges. This tier typically includes companies with limited operating history, distressed companies, or those that choose not to comply with exchange listing requirements. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and potential for limited liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in BFCC.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC market.
- Lack of regulatory oversight increases investment risk.
- Company may not meet the listing standards of major exchanges.
- Verify the company's financial statements and SEC filings.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's liquidity and trading volume.
- Understand the risks associated with OTC investing.
- Consult with a financial advisor before investing.
- Confirm the legitimacy of the company's operations and assets.
- The company has been in operation since 1888.
- BankFirst operates 36 branch locations in Mississippi and Alabama.
- The company offers a range of banking and financial services.
- BankFirst has a market capitalization of $332.03M.
- The company has a dividend yield of 2.02%.
BFCC Financial Services Stock FAQ
What does BankFirst Capital Corporation do?
BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services, providing a range of banking and financial services to individual and corporate customers in Mississippi and Alabama. Its core business involves accepting deposits and originating loans, including mortgages, commercial real estate loans, and business loans. The company generates revenue primarily through interest income on loans and fees for services like wealth management and merchant card processing. BankFirst's focus on community banking and personalized service differentiates it from larger national banks.
What do analysts say about BFCC stock?
Analyst coverage of BankFirst Capital Corporation (BFCC) is limited, reflecting its smaller market capitalization and regional focus. Key valuation metrics to consider include its P/E ratio of 11.9 and dividend yield of 2.02%. Growth considerations revolve around its ability to expand its loan portfolio, enhance its digital banking services, and integrate potential acquisitions. Investors should monitor the company's financial performance and industry trends to assess its long-term growth potential. Analyst consensus is not readily available due to limited coverage.
What are the main risks for BFCC?
BankFirst Capital Corporation faces several key risks inherent to the banking industry. These include sensitivity to interest rate fluctuations, which can impact its net interest margin and profitability. Increased competition from larger regional and national banks poses a threat to its market share. Economic downturns in the Southeast could lead to increased loan defaults and reduced demand for banking services. Regulatory changes and cybersecurity threats also present ongoing challenges to the company's operations and financial stability. Managing credit risk and maintaining asset quality are crucial for mitigating these risks.
What are the key factors to evaluate for BFCC?
BankFirst Capital Corporation (BFCC) holds an AI score of 53/100 (moderate). P/E: 11.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BFCC data refresh on this page?
BFCC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BFCC's recent stock price performance?
BankFirst Capital Corporation (BFCC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Mississippi and Alabama. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BFCC overvalued or undervalued right now?
BankFirst Capital Corporation (BFCC) trades at 11.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BFCC?
Before investing in BankFirst Capital Corporation (BFCC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may have limited availability and reliability.
- Analyst coverage of BFCC is limited.