A Business at a Glance
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BFF BANK operates in the Financial - Credit Services industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 0 | - | - | - | - |
| Net Income | 233M | 233M | 186M | 244M | 233M |
| EPS | $1.22 | $1.22 | $0.99 | $1.32 | - |
| Free Cash Flow | 45M | 45M | -201M | 166M | 629M |
| ROIC | - | - | - | - | - |
| Gross Margin | - | - | - | - | - |
| Debt/Equity | 0.00 | - | - | - | - |
| Dividends/Share | $0.58 | $0.58 | $0.93 | $1.11 | - |
| Operating Income | 326M | 326M | 255M | 349M | 232M |
| Operating Margin | 0.0% | - | - | - | - |
| ROE | 0.0% | - | - | - | - |
| Shares Outstanding | 188M | 188M | 187M | 184M | - |
| Metric | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | N/A | N/A | N/A | N/A | 0 |
| Gross Margin | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 232M | 349M | 255M | 326M | 326M |
| Op. Margin | N/A | N/A | N/A | N/A | 0.0% |
| Net Income | 233M | 244M | 186M | 233M | 233M |
| Net Margin | N/A | N/A | N/A | N/A | 0.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||
| ROIC | N/A | N/A | N/A | N/A | N/A |
| ROE | N/A | N/A | N/A | N/A | 0.0% |
| ROA | 1.8% | 1.8% | 1.4% | 1.8% | 1.8% |
| Cash Flow | |||||
| Op. Cash Flow | 629M | 166M | -201M | 45M | 45M |
| Free Cash Flow | 629M | 166M | -201M | 45M | 45M |
| Owner Earnings | 629M | 166M | -201M | 45M | 45M |
| CapEx | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||
| Dividends Paid | 199M | 204M | 173M | 109M | 109M |
| Dividend Yield | N/A | 15.4% | 9.1% | 5.4% | 33.1% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||
| Net Debt | N/A | N/A | N/A | N/A | -166M |
| Cash & Equiv. | 654M | 668M | 279M | 166M | 166M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A |
| Equity | N/A | N/A | N/A | N/A | 0 |
| Total Assets | 13.2B | 14.0B | 13.3B | 13.1B | 13.1B |
| Total Liabilities | N/A | N/A | N/A | N/A | N/A |
| Intangibles | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | N/A | N/A | N/A | N/A |
| Working Capital | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||
| EPS | N/A | 1.32 | 0.99 | 1.22 | 1.22 |
| Owner EPS | N/A | 0.90 | -1.08 | 0.24 | 0.24 |
| Book Value | N/A | N/A | N/A | N/A | 0.00 |
| Cash Flow/Share | N/A | 0.90 | -1.08 | 0.24 | 1.24 |
| Dividends/Share | N/A | 1.11 | 0.93 | 0.58 | 0.58 |
| Shares Out. | N/A | 184.2M | 186.6M | 187.5M | 187.5M |
| Valuation | |||||
| P/E Ratio | N/A | 6.1 | 11.5 | 7.5 | 1.4 |
| P/FCF | N/A | 8.9 | N/A | 38.4 | 7.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | 0.5 |
| Price/Book | N/A | N/A | N/A | N/A | N/A |
| Price/Sales | N/A | N/A | N/A | N/A | N/A |
| FCF Yield | N/A | 11.3% | -9.4% | 2.6% | 13.6% |
| Market Cap | 0 | 1.5B | 2.1B | 1.7B | 331M |
| Avg. Price | 8.38 | 7.21 | 10.23 | 10.82 | 1.76 |
| Year-End Price | 7.85 | 8.00 | 11.39 | 9.18 | 1.76 |
BFF BANK passes 2 of 9 quality checks, indicating weak fundamentals.
BFF BANK trades at 1.4x trailing earnings, compared to its 15-year median P/E of 7.5x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 7.4x vs a median of 23.6x. Total shareholder yield (dividends) is 33.1%. At current prices, the estimated annualized return to fair value is -26.8%.
BFF BANK (BFF-MI) has a current P/E ratio of 1.4, compared to its historical median P/E of 7.5. The stock is currently considered Cheap based on its historical valuation range.
BFF BANK (BFF-MI) has a market capitalization of $331M. It is classified as a small-cap stock.
Yes, BFF BANK (BFF-MI) pays a dividend with a trailing twelve-month yield of 33.07%.
Based on historical P/E analysis, BFF BANK (BFF-MI) appears cheap. The current P/E of 1.4 is 81% below its historical median of 7.5. The estimated fair value CAGR (P/E method) is -2.6%.
BFF BANK (BFF-MI) operates in the Financial - Credit Services industry, within the Financial Services sector.
BFF BANK (BFF-MI) generated $45 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BFF BANK (BFF-MI) reported earnings per share (EPS) of $1.22 in its most recent fiscal year.
The Ledger Terminal provides 4 years of financial data for BFF BANK (BFF-MI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
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