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BFC Capital Trust II PFD TR 7.20% (BANFP) Financials

$26.23 +0.12 (+0.44%)
As of 03:26 PM Eastern
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Annual Income Statements for BFC Capital Trust II PFD TR 7.20%

Annual Income Statements for BFC Capital Trust II PFD TR 7.20%

This table shows BFC Capital Trust II PFD TR 7.20%'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 66 71 86 126 135 100 168 193 212 216
Consolidated Net Income / (Loss)		 66 71 86 126 135 100 168 193 212 216
Net Income / (Loss) Continuing Operations		 66 71 86 126 135 100 168 193 212 216
Total Pre-Tax Income 		101 108 136 160 170 124 208 237 270 275
Total Revenue		 295 311 345 386 419 444 486 557 610 631
Net Interest Income / (Expense)		 189 204 227 260 282 307 316 374 424 447
Total Interest Income		 201 219 248 303 337 327 327 420 624 724
Loans and Leases Interest Income		 190 204 222 263 292 312 316 336 468 555
Investment Securities Interest Income		 6.47 6.19 7.91 9.42 14 9.08 6.53 25 37 34
Deposits and Money Market Investments Interest Income		 4.27 7.91 18 30 31 6.05 4.37 59 119 135
Federal Funds Sold and Securities Borrowed Interest Income		 0.01 0.00 0.06 0.29 0.00 0.00 0.00 0.08 0.23 0.03
Total Interest Expense		 12 15 21 43 55 20 11 46 199 277
Deposits Interest Expense		 10 13 19 40 53 18 8.23 42 195 273
Short-Term Borrowings Interest Expense		 0.00 0.01 0.02 0.10 0.03 0.01 0.00 0.06 0.31 0.24
Long-Term Debt Interest Expense		 2.00 2.10 2.12 2.17 1.97 1.97 3.13 4.12 4.12 4.12
Total Non-Interest Income		 106 107 118 125 137 137 170 184 185 185
Trust Fees by Commissions		 17 11 11 13 17 15 12 19 31 36
Other Service Charges		 78 21 22 25 26 28 50 59 56 54
Net Realized & Unrealized Capital Gains on Investments		 11 2.81 6.98 3.52 4.39 5.81 10 5.00 4.21 2.66
Other Non-Interest Income		 - 73 78 84 90 88 97 101 94 91
Provision for Credit Losses		 7.68 12 8.51 3.80 8.29 63 -8.69 10 7.46 9.00
Total Non-Interest Expense		 186 191 200 222 241 258 286 310 332 347
Salaries and Employee Benefits		 113 120 125 140 153 165 167 185 200 212
Net Occupancy & Equipment Expense		 16 17 17 18 19 23 25 27 29 33
Marketing Expense		 6.99 7.24 7.39 8.03 8.55 7.00 7.40 8.07 9.11 9.39
Other Operating Expenses		 34 32 39 43 45 44 67 68 72 71
Depreciation Expense		 9.97 10 9.60 11 13 15 17 19 19 18
Amortization Expense		 1.94 2.27 2.19 3.01 3.37 3.82 3.12 3.45 3.53 3.55
Income Tax Expense		 35 37 50 34 35 24 41 44 57 59
Basic Earnings per Share		 $2.13 $2.27 $2.72 $3.85 $4.13 $3.05 $5.12 $5.89 $6.45 $6.55
Weighted Average Basic Shares Outstanding		 15.56M 31.23M 31.81M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Diluted Earnings per Share		 $2.09 $2.22 $2.65 $3.76 $4.05 $3.00 $5.03 $5.77 $6.34 $6.44
Weighted Average Diluted Shares Outstanding		 15.56M 31.23M 31.81M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Weighted Average Basic & Diluted Shares Outstanding		 15.56M 31.23M 31.81M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Cash Dividends to Common per Share		 - - - - - - - $1.52 $1.66 $1.78

Quarterly Income Statements for BFC Capital Trust II PFD TR 7.20%

This table shows BFC Capital Trust II PFD TR 7.20%'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 55 57 58 55 51 49 50 51 59 56
Consolidated Net Income / (Loss)		 55 57 58 55 51 49 50 51 59 56
Net Income / (Loss) Continuing Operations		 55 57 58 55 51 49 50 51 59 56
Total Pre-Tax Income 		68 70 74 70 65 60 64 65 74 72
Total Revenue		 150 159 157 154 149 150 151 154 164 163
Net Interest Income / (Expense)		 101 110 109 106 104 105 106 110 115 116
Total Interest Income		 114 136 145 151 160 167 172 178 188 186
Loans and Leases Interest Income		 87 98 104 115 122 127 132 138 144 141
Investment Securities Interest Income		 6.82 8.76 9.00 9.43 9.28 9.20 9.20 8.95 8.36 7.86
Deposits and Money Market Investments Interest Income		 20 29 32 27 29 32 30 32 35 38
Federal Funds Sold and Securities Borrowed Interest Income		 0.02 0.05 0.03 0.08 0.06 0.05 0.02 0.01 0.00 0.01
Total Interest Expense		 13 25 36 45 56 62 66 69 73 70
Deposits Interest Expense		 12 24 35 44 55 61 64 67 72 69
Short-Term Borrowings Interest Expense		 0.04 0.01 0.08 0.13 0.05 0.05 0.10 0.06 0.05 0.03
Long-Term Debt Interest Expense		 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03
Total Non-Interest Income		 49 48 48 48 44 45 45 44 49 47
Trust Fees by Commissions		 5.62 6.12 6.73 7.93 8.18 7.88 8.65 9.15 9.19 9.22
Other Service Charges		 15 14 15 12 14 16 15 11 16 13
Net Realized & Unrealized Capital Gains on Investments		 1.99 -0.08 0.87 1.07 0.84 1.43 0.49 1.11 0.35 0.72
Other Non-Interest Income		 26 28 25 27 22 20 21 23 23 24
Provision for Credit Losses		 2.86 3.78 2.32 2.82 2.31 - 4.02 3.36 3.03 -1.40
Total Non-Interest Expense		 79 85 80 81 81 90 83 85 87 92
Salaries and Employee Benefits		 48 48 49 50 50 51 52 52 54 54
Net Occupancy & Equipment Expense		 6.81 7.19 7.09 7.34 7.31 7.66 7.82 7.93 8.50 8.70
Marketing Expense		 1.95 2.47 2.53 1.90 2.03 2.65 2.26 2.25 2.17 2.72
Other Operating Expenses		 17 21 16 16 16 23 16 18 16 21
Depreciation Expense		 4.61 4.57 4.64 4.77 4.69 4.56 4.56 4.50 4.48 4.59
Amortization Expense		 0.88 0.88 0.88 0.88 0.89 0.89 0.89 0.89 0.89 0.89
Income Tax Expense		 13 13 17 15 14 11 14 15 15 16
Basic Earnings per Share		 $1.69 $1.74 $1.75 $1.67 $1.55 $1.48 $1.53 $1.53 $1.78 $1.71
Weighted Average Basic Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M
Diluted Earnings per Share		 $1.65 $1.70 $1.72 $1.64 $1.52 $1.46 $1.50 $1.51 $1.75 $1.68
Weighted Average Diluted Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M
Weighted Average Basic & Diluted Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M

Annual Cash Flow Statements for BFC Capital Trust II PFD TR 7.20%

This table details how cash moves in and out of BFC Capital Trust II PFD TR 7.20%'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -316 252 -93 -334 444 -251 433 1,119 -771 1,156
Net Cash From Operating Activities		 78 91 110 140 159 155 204 226 233 261
Net Cash From Continuing Operating Activities		 78 91 110 140 159 155 204 226 233 261
Net Income / (Loss) Continuing Operations		 66 71 86 126 135 100 168 193 212 216
Consolidated Net Income / (Loss)		 66 71 86 126 135 100 168 193 212 216
Provision For Loan Losses		 7.68 12 8.51 3.80 8.29 63 -8.69 10 7.46 9.00
Depreciation Expense		 12 12 12 14 16 18 20 22 22 22
Amortization Expense		 1.02 0.13 -0.15 -0.42 -4.28 -0.09 4.41 2.62 -1.27 -1.05
Non-Cash Adjustments to Reconcile Net Income		 -7.51 -2.74 6.07 -0.52 3.22 -24 17 12 -5.64 9.40
Changes in Operating Assets and Liabilities, net		 -1.10 -1.43 -2.92 -2.21 0.87 -1.97 3.60 -14 -2.16 5.82
Net Cash From Investing Activities		 -265 -98 -350 -294 50 -899 423 -1,519 -670 -71
Net Cash From Continuing Investing Activities		 -265 -98 -350 -294 50 -899 423 -1,519 -670 -71
Purchase of Property, Leasehold Improvements and Equipment		 -11 -11 -18 -52 -27 -66 -27 -20 -23 -37
Acquisitions		 - - - - 0.00 0.00 -14 0.00 0.00 0.00
Purchase of Investment Securities		 -341 -402 -417 -473 -489 -1,406 -60 -2,407 -1,174 -764
Sale and/or Maturity of Investments		 74 316 91 216 597 575 517 917 533 741
Net Increase in Fed Funds Sold		 13 -0.70 - 24 -1.00 1.00 14 0.56 1.53 0.60
Other Investing Activities, net		 - - -5.22 -8.86 -29 -2.20 -7.46 -9.71 -7.64 -13
Net Cash From Financing Activities		 -129 260 147 -180 235 492 -194 2,412 -335 966
Net Cash From Continuing Financing Activities		 -129 260 147 -180 235 492 -194 2,412 -335 966
Net Change in Deposits		 -106 275 167 -140 274 536 -192 2,452 -285 1,018
Issuance of Debt		 - - 0.40 0.78 -0.58 3.00 58 0.30 3.05 -3.35
Issuance of Common Equity		 4.43 13 4.84 2.24 2.48 1.79 2.26 7.65 2.54 9.20
Repayment of Debt		 -3.48 - - -5.16 0.00 -3.00 0.00 0.00 0.00 0.00
Repurchase of Common Equity		 -1.65 -5.52 - -7.91 -1.60 -3.10 -12 0.00 -1.82 0.00
Payment of Dividends		 -21 -23 -25 -30 -40 -42 -45 -48 -54 -58
Cash Interest Paid		 12 15 21 42 55 22 12 43 192 271
Cash Income Taxes Paid		 34 33 41 28 31 27 31 35 52 47

Quarterly Cash Flow Statements for BFC Capital Trust II PFD TR 7.20%

This table details how cash moves in and out of BFC Capital Trust II PFD TR 7.20%'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -546 -164 -333 -427 -72 61 128 -32 499 562
Net Cash From Operating Activities		 59 47 70 60 61 43 66 100 78 17
Net Cash From Continuing Operating Activities		 59 47 70 60 61 43 66 100 78 17
Net Income / (Loss) Continuing Operations		 55 57 58 55 51 49 50 51 59 56
Consolidated Net Income / (Loss)		 55 57 58 55 51 49 50 51 59 56
Provision For Loan Losses		 2.86 3.78 2.32 2.82 2.31 - 4.02 3.36 3.03 -1.40
Depreciation Expense		 5.49 5.45 5.52 5.65 5.57 5.45 5.44 5.39 5.37 5.48
Amortization Expense		 0.23 -0.38 -0.27 -0.30 -0.31 -0.39 -0.31 -0.32 -0.22 -0.20
Non-Cash Adjustments to Reconcile Net Income		 1.79 -16 3.53 -2.25 5.44 -12 5.98 40 9.48 -46
Changes in Operating Assets and Liabilities, net		 -6.27 -2.55 0.87 -1.26 -2.90 1.13 0.86 1.38 1.03 2.55
Net Cash From Investing Activities		 -511 -110 -229 -141 -167 -134 -141 -220 -27 317
Net Cash From Continuing Investing Activities		 -511 -110 -229 -141 -167 -134 -141 -220 -27 317
Purchase of Property, Leasehold Improvements and Equipment		 -3.24 -4.68 -7.96 -5.05 -4.68 -4.81 -10 -6.02 -5.24 -15
Purchase of Investment Securities		 -585 -623 -268 -183 -235 -487 -131 -315 -135 -182
Sale and/or Maturity of Investments		 80 522 46 54 78 353 0.51 103 115 522
Net Increase in Fed Funds Sold		 -2.35 1.03 1.77 -3.40 -2.39 5.56 0.11 0.11 1.10 -0.72
Other Investing Activities, net		 -0.42 -5.62 -0.54 -3.28 -2.86 -0.97 -0.43 -2.04 -3.41 -6.77
Net Cash From Financing Activities		 -95 -102 -173 -346 33 152 203 88 448 228
Net Cash From Continuing Financing Activities		 -95 -102 -173 -346 33 152 203 88 448 228
Net Change in Deposits		 -84 -85 -364 -135 48 166 209 106 459 244
Issuance of Debt		 -1.50 -4.30 203 -200 0.08 -0.63 6.35 -5.44 0.17 -4.43
Issuance of Common Equity		 2.37 0.64 0.64 1.34 0.09 0.48 0.85 1.71 3.63 3.01
Payment of Dividends		 -12 -13 -13 -13 -13 -14 -14 -14 -14 -15
Cash Interest Paid		 13 23 34 44 54 60 62 67 72 71
Cash Income Taxes Paid		 13 7.86 1.88 29 12 9.72 0.25 22 14 10

Annual Balance Sheets for BFC Capital Trust II PFD TR 7.20%

This table presents BFC Capital Trust II PFD TR 7.20%'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 6,693 7,019 7,253 7,574 8,566 9,212 9,406 12,388 12,372 13,554
Cash and Due from Banks		 203 184 216 228 222 281 229 259 225 238
Federal Funds Sold		 - 0.70 0.70 - 1.00 0.00 0.80 2.85 1.32 0.72
Interest Bearing Deposits at Other Banks		 1,395 1,667 1,542 1,196 1,646 1,336 1,821 2,910 2,172 3,316
Trading Account Securities		 553 470 464 772 492 555 535 1,541 1,555 1,212
Loans and Leases, Net of Allowance		 4,190 4,352 4,670 4,925 5,608 6,303 6,086 6,851 -97 -99
Allowance for Loan and Lease Losses		 42 49 52 51 54 91 84 93 97 99
Loans Held for Sale		 14 9.32 6.17 8.17 11 54 25 6.23 3.49 8.07
Premises and Equipment, Net		 127 127 134 174 206 262 269 278 279 296
Goodwill		 54 54 54 80 149 150 150 182 182 182
Intangible Assets		 16 13 11 16 23 19 18 20 17 13
Other Assets		 141 143 155 175 208 253 273 338 8,034 8,388
Total Liabilities & Shareholders' Equity		 6,693 7,019 7,253 7,574 8,566 9,212 9,406 12,388 12,372 13,554
Total Liabilities		 6,037 6,308 6,478 6,671 7,561 8,144 8,234 11,137 10,938 11,933
Non-Interest Bearing Deposits		 2,410 2,527 2,550 2,614 2,956 3,791 3,775 4,945 3,982 3,907
Interest Bearing Deposits		 3,564 3,721 3,865 3,992 4,527 4,274 4,317 6,029 6,718 7,811
Short-Term Debt		 0.50 0.50 0.90 1.68 1.10 1.10 0.00 0.30 3.35 0.00
Long-Term Debt		 32 32 32 27 27 27 86 86 86 86
Other Long-Term Liabilities		 32 27 30 37 49 52 56 76 149 128
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 656 711 776 903 1,005 1,068 1,172 1,251 1,434 1,621
Total Preferred & Common Equity		 656 711 776 903 1,005 1,068 1,172 1,251 1,434 1,621
Preferred Stock		 - - - 0.00 0.00 - - 0.00 0.00 0.00
Total Common Equity		 656 711 776 903 1,005 1,068 1,172 1,251 1,434 1,621
Common Stock		 118 133 139 182 186 189 193 202 208 220
Retained Earnings		 536 578 639 723 815 871 977 1,120 1,276 1,434
Accumulated Other Comprehensive Income / (Loss)		 1.53 0.09 -2.33 -2.14 3.45 7.43 2.15 -72 -50 -33

Quarterly Balance Sheets for BFC Capital Trust II PFD TR 7.20%

This table presents BFC Capital Trust II PFD TR 7.20%'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 12,452 12,332 12,020 12,115 12,602 12,737 13,313
Cash and Due from Banks		 227 213 221 203 183 194 248
Federal Funds Sold		 3.88 1.08 4.48 6.88 1.21 1.10 0.00
Interest Bearing Deposits at Other Banks		 3,106 2,624 2,188 2,134 2,342 2,299 2,744
Trading Account Securities		 1,522 1,618 1,571 1,525 1,535 1,441 1,377
Loans and Leases, Net of Allowance		 6,738 7,024 7,202 7,375 7,685 -100 -102
Allowance for Loan and Lease Losses		 90 95 97 98 97 100 102
Loans Held for Sale		 4.82 6.22 8.78 3.85 6.00 7.41 7.84
Premises and Equipment, Net		 278 279 280 280 284 285 286
Goodwill		 182 182 182 182 182 182 182
Intangible Assets		 21 19 18 18 16 15 14
Other Assets		 370 39 345 387 369 8,411 8,557
Total Liabilities & Shareholders' Equity		 12,452 12,332 12,020 12,115 12,602 12,737 13,313
Total Liabilities		 11,257 11,021 10,679 10,744 11,133 11,225 11,729
Non-Interest Bearing Deposits		 5,203 4,540 4,286 4,171 3,850 3,816 3,859
Interest Bearing Deposits		 5,856 6,070 6,190 6,364 7,060 7,200 7,616
Short-Term Debt		 4.60 203 3.89 3.98 9.70 4.26 4.43
Long-Term Debt		 86 86 86 86 86 86 86
Other Long-Term Liabilities		 108 122 114 120 128 119 164
Total Equity & Noncontrolling Interests		 1,195 1,311 1,341 1,371 1,469 1,512 1,585
Total Preferred & Common Equity		 1,195 1,311 1,341 1,371 1,469 1,512 1,585
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,195 1,311 1,341 1,371 1,469 1,512 1,585
Common Stock		 201 203 205 206 209 212 216
Retained Earnings		 1,076 1,165 1,206 1,242 1,312 1,349 1,393
Accumulated Other Comprehensive Income / (Loss)		 -82 -57 -71 -77 -52 -48 -24

Annual Metrics And Ratios for BFC Capital Trust II PFD TR 7.20%

This table displays calculated financial ratios and metrics derived from BFC Capital Trust II PFD TR 7.20%'s official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.06% 5.52% 11.05% 11.72% 8.68% 5.90% 9.42% 14.77% 9.41% 3.54%
EBITDA Growth		 10.35% 5.53% 22.83% 16.85% 4.85% -21.75% 64.16% 12.56% 10.98% 1.73%
EBIT Growth		 11.01% 6.65% 26.28% 17.20% 6.14% -27.16% 68.73% 13.93% 13.69% 1.98%
NOPAT Growth		 3.57% 6.81% 22.31% 45.55% 7.21% -26.17% 68.33% 15.19% 10.03% 1.83%
Net Income Growth		 3.57% 6.81% 22.31% 45.55% 7.21% -26.17% 68.33% 15.19% 10.03% 1.83%
EPS Growth		 3.57% 6.81% 19.37% 41.89% 7.71% -25.93% 67.67% 14.71% 9.88% 1.58%
Operating Cash Flow Growth		 1.61% 15.84% 21.21% 27.57% 13.53% -2.58% 31.69% 10.95% 2.99% 12.08%
Free Cash Flow Firm Growth		 -4.26% -17.55% 42.51% -85.89% 996.04% 10.33% -84.47% 1,894.40% -76.86% 23.01%
Invested Capital Growth		 7.48% 8.08% 8.73% 15.19% 10.91% 6.09% 14.78% 6.32% 13.92% 12.08%
Revenue Q/Q Growth		 1.70% 0.79% 3.77% 13.62% -6.33% 1.25% 1.39% 7.10% -1.34% 2.05%
EBITDA Q/Q Growth		 1.20% 4.12% 5.46% 33.92% -17.31% 2.60% 1.15% 9.79% -3.24% 4.16%
EBIT Q/Q Growth		 0.99% 5.09% 6.10% 36.99% -18.44% 2.15% 0.33% 11.82% -3.48% 4.40%
NOPAT Q/Q Growth		 -0.03% 4.27% 1.03% 11.75% 2.11% -0.15% 1.70% 10.89% -3.71% 3.61%
Net Income Q/Q Growth		 -0.03% 4.27% 1.03% 11.75% 2.11% -0.15% 1.70% 10.89% -3.71% 3.61%
EPS Q/Q Growth		 -0.03% 4.27% -1.12% 67.11% -22.71% -0.33% 1.82% 10.54% -3.65% 3.54%
Operating Cash Flow Q/Q Growth		 3.05% 0.31% 13.70% 1.07% 8.23% -1.84% -7.69% 9.89% -1.78% -8.94%
Free Cash Flow Firm Q/Q Growth		 -23.77% 2.42% 28.16% 138.40% -24.24% 1.80% 949.18% -8.88% -42.56% 668.69%
Invested Capital Q/Q Growth		 1.67% 1.90% 1.25% 1.34% 2.55% 2.33% 1.73% 4.00% 4.29% 1.92%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 38.74% 38.75% 42.86% 44.82% 43.25% 31.95% 47.94% 47.02% 47.69% 46.86%
EBIT Margin		 34.36% 34.72% 39.48% 41.42% 40.45% 27.82% 42.91% 42.59% 44.26% 43.60%
Profit (Net Income) Margin		 22.46% 22.74% 25.04% 32.62% 32.18% 22.43% 34.51% 34.64% 34.84% 34.26%
Tax Burden Percent		 65.38% 65.48% 63.42% 78.76% 79.55% 80.63% 80.44% 81.33% 78.71% 78.59%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.62% 34.52% 36.58% 21.24% 20.45% 19.37% 19.56% 18.67% 21.29% 21.41%
Return on Invested Capital (ROIC)		 9.96% 9.87% 11.14% 14.46% 13.73% 9.36% 14.25% 14.88% 14.86% 13.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.96% 9.87% 11.14% 14.46% 13.73% 9.36% 14.25% 14.88% 14.86% 13.39%
Return on Net Nonoperating Assets (RNNOA)		 0.50% 0.47% 0.49% 0.53% 0.41% 0.25% 0.72% 1.06% 0.97% 0.77%
Return on Equity (ROE)		 10.46% 10.34% 11.63% 14.99% 14.14% 9.61% 14.97% 15.94% 15.83% 14.16%
Cash Return on Invested Capital (CROIC)		 2.76% 2.11% 2.77% 0.35% 3.39% 3.45% 0.48% 8.76% 1.84% 2.00%
Operating Return on Assets (OROA)		 1.53% 1.57% 1.91% 2.15% 2.10% 1.39% 2.24% 2.18% 2.18% 2.12%
Return on Assets (ROA)		 1.00% 1.03% 1.21% 1.70% 1.67% 1.12% 1.80% 1.77% 1.72% 1.67%
Return on Common Equity (ROCE)		 10.46% 10.34% 11.63% 14.99% 14.14% 9.61% 14.97% 15.94% 15.83% 14.16%
Return on Equity Simple (ROE_SIMPLE)		 10.09% 9.94% 11.14% 13.94% 13.42% 9.33% 14.31% 15.44% 14.82% 13.35%
Net Operating Profit after Tax (NOPAT)		 66 71 86 126 135 100 168 193 212 216
NOPAT Margin		 22.46% 22.74% 25.04% 32.62% 32.18% 22.43% 34.51% 34.64% 34.84% 34.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.22% 46.33% 43.39% 43.05% 42.97% 43.91% 41.04% 39.46% 39.11% 40.28%
Operating Expenses to Revenue		 63.04% 61.57% 58.05% 57.59% 57.57% 58.06% 58.88% 55.60% 54.51% 54.98%
Earnings before Interest and Taxes (EBIT)		 101 108 136 160 170 124 208 237 270 275
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 114 120 148 173 181 142 233 262 291 296
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.17 1.76 1.83 1.60 1.84 1.68 1.87 2.23 2.19 2.39
Price to Tangible Book Value (P/TBV)		 1.31 1.94 2.00 1.79 2.22 2.00 2.19 2.66 2.55 2.72
Price to Revenue (P/Rev)		 2.60 4.02 4.11 3.75 4.41 4.04 4.52 5.01 5.16 6.15
Price to Earnings (P/E)		 11.57 17.70 16.40 11.51 13.69 18.02 13.10 14.47 14.81 17.94
Dividend Yield		 2.85% 1.86% 1.80% 2.31% 2.19% 2.40% 2.08% 1.79% 1.74% 1.52%
Earnings Yield		 8.65% 5.65% 6.10% 8.69% 7.30% 5.55% 7.63% 6.91% 6.75% 5.57%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.06 0.01 0.19 0.18 0.00 0.55 0.24
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.13 0.01 0.46 0.48 0.00 1.37 0.66
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.30 0.03 1.45 0.99 0.00 2.88 1.40
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.33 0.03 1.66 1.11 0.00 3.10 1.50
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.41 0.04 2.06 1.38 0.00 3.94 1.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.37 0.04 1.33 1.13 0.00 3.59 1.58
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 17.11 0.17 5.60 40.57 0.00 31.81 12.79
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.05 0.05 0.04 0.03 0.03 0.03 0.07 0.07 0.06 0.05
Long-Term Debt to Equity		 0.05 0.04 0.04 0.03 0.03 0.03 0.07 0.07 0.06 0.05
Financial Leverage		 0.05 0.05 0.04 0.04 0.03 0.03 0.05 0.07 0.07 0.06
Leverage Ratio		 10.49 10.03 9.60 8.83 8.46 8.58 8.31 9.00 9.22 8.49
Compound Leverage Factor		 10.49 10.03 9.60 8.83 8.46 8.58 8.31 9.00 9.22 8.49
Debt to Total Capital		 4.72% 4.37% 4.06% 3.06% 2.70% 2.55% 6.84% 6.46% 5.87% 5.05%
Short-Term Debt to Total Capital		 0.07% 0.07% 0.11% 0.18% 0.11% 0.10% 0.00% 0.02% 0.22% 0.00%
Long-Term Debt to Total Capital		 4.65% 4.30% 3.95% 2.88% 2.60% 2.45% 6.84% 6.43% 5.65% 5.05%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.28% 95.63% 95.94% 96.94% 97.30% 97.45% 93.16% 93.54% 94.13% 94.95%
Debt to EBITDA		 0.28 0.27 0.22 0.16 0.15 0.20 0.37 0.33 0.31 0.29
Net Debt to EBITDA		 -13.72 -15.10 -11.66 -8.07 -10.16 -11.20 -8.44 -11.77 -7.94 -11.72
Long-Term Debt to EBITDA		 0.28 0.27 0.22 0.16 0.15 0.19 0.37 0.33 0.30 0.29
Debt to NOPAT		 0.49 0.46 0.38 0.23 0.21 0.28 0.51 0.45 0.42 0.40
Net Debt to NOPAT		 -23.66 -25.73 -19.96 -11.09 -13.65 -15.96 -11.72 -15.98 -10.87 -16.03
Long-Term Debt to NOPAT		 0.48 0.45 0.37 0.21 0.20 0.27 0.51 0.45 0.41 0.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 18 15 22 3.03 33 37 5.70 114 26 32
Operating Cash Flow to CapEx		 693.94% 835.63% 609.48% 269.96% 587.56% 233.05% 748.35% 1,143.65% 1,035.57% 712.65%
Free Cash Flow to Firm to Interest Expense		 1.49 1.02 1.03 0.07 0.61 1.79 0.50 2.46 0.13 0.12
Operating Cash Flow to Interest Expense		 6.38 6.14 5.24 3.28 2.90 7.57 17.95 4.90 1.17 0.94
Operating Cash Flow Less CapEx to Interest Expense		 5.46 5.41 4.38 2.06 2.41 4.32 15.55 4.47 1.06 0.81
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 2.37 2.45 2.65 2.50 2.20 1.90 1.83 2.04 2.19 2.20
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 688 744 808 931 1,033 1,096 1,258 1,337 1,523 1,707
Invested Capital Turnover		 0.44 0.43 0.44 0.44 0.43 0.42 0.41 0.43 0.43 0.39
Increase / (Decrease) in Invested Capital		 48 56 65 123 102 63 162 79 186 184
Enterprise Value (EV)		 -800 -568 -308 52 5.67 205 231 -292 837 414
Market Capitalization		 765 1,251 1,417 1,448 1,847 1,794 2,196 2,794 3,146 3,882
Book Value per Share		 $42.03 $45.27 $24.34 $27.56 $30.77 $32.67 $35.97 $38.05 $43.56 $48.94
Tangible Book Value per Share		 $37.56 $40.98 $22.29 $24.63 $25.52 $27.51 $30.83 $31.91 $37.51 $43.04
Total Capital		 688 744 808 931 1,033 1,096 1,258 1,337 1,523 1,707
Total Debt		 32 32 33 28 28 28 86 86 89 86
Total Long-Term Debt		 32 32 32 27 27 27 86 86 86 86
Net Debt		 -1,566 -1,819 -1,726 -1,396 -1,841 -1,589 -1,965 -3,085 -2,309 -3,468
Capital Expenditures (CapEx)		 11 11 18 52 27 66 27 20 23 37
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 32 32 33 28 28 28 86 86 89 86
Total Depreciation and Amortization (D&A)		 13 13 12 13 12 18 24 25 21 21
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.13 $2.27 $2.72 $3.85 $4.13 $3.05 $5.12 $5.89 $6.45 $6.55
Adjusted Weighted Average Basic Shares Outstanding		 31.06M 31.73M 32.63M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Adjusted Diluted Earnings per Share		 $2.09 $2.22 $2.65 $3.76 $4.05 $3.00 $5.03 $5.77 $6.34 $6.44
Adjusted Weighted Average Diluted Shares Outstanding		 31.06M 31.73M 32.63M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.06M 31.73M 32.63M 32.61M 32.70M 32.75M 32.63M 32.89M 32.94M 33.23M
Normalized Net Operating Profit after Tax (NOPAT)		 66 71 86 126 135 100 168 193 212 216
Normalized NOPAT Margin		 22.46% 22.74% 25.04% 32.62% 32.18% 22.43% 34.51% 34.64% 34.84% 34.26%
Pre Tax Income Margin		 34.36% 34.72% 39.48% 41.42% 40.45% 27.82% 42.91% 42.59% 44.26% 43.60%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 8.26 7.32 6.51 3.74 3.10 6.04 18.34 5.15 1.35 0.99
NOPAT to Interest Expense		 5.40 4.79 4.13 2.94 2.46 4.87 14.75 4.18 1.07 0.78
EBIT Less CapEx to Interest Expense		 7.34 6.59 5.65 2.53 2.60 2.79 15.94 4.72 1.24 0.86
NOPAT Less CapEx to Interest Expense		 4.48 4.06 3.27 1.73 1.97 1.62 12.35 3.76 0.95 0.65
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 32.42% 32.22% 28.67% 24.06% 29.51% 42.65% 26.93% 25.10% 25.25% 26.70%
Augmented Payout Ratio		 34.91% 40.03% 28.67% 30.35% 30.70% 45.76% 33.89% 25.10% 26.10% 26.70%

Quarterly Metrics And Ratios for BFC Capital Trust II PFD TR 7.20%

This table displays calculated financial ratios and metrics derived from BFC Capital Trust II PFD TR 7.20%'s official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 25.26% 30.37% 31.75% 18.87% -1.01% -5.23% -3.81% -0.04% 10.02% 8.46%
EBITDA Growth		 35.54% 45.06% 55.35% 22.25% -4.81% -12.94% -12.88% -6.74% 12.14% 18.04%
EBIT Growth		 41.55% 55.75% 70.09% 26.64% -4.55% -13.88% -13.63% -6.86% 13.30% 19.19%
NOPAT Growth		 42.84% 49.67% 60.19% 23.05% -7.88% -14.34% -12.51% -7.94% 15.52% 15.41%
Net Income Growth		 42.84% 49.67% 60.19% 23.05% -7.88% -14.34% -12.51% -7.94% 15.52% 15.41%
EPS Growth		 42.24% 47.83% 59.26% 22.39% -7.88% -14.12% -12.79% -7.93% 15.13% 15.07%
Operating Cash Flow Growth		 50.55% 76.50% 9.27% 6.12% 2.77% -8.97% -4.58% 67.82% 26.99% -59.94%
Free Cash Flow Firm Growth		 104.67% 81.96% -197.82% -686.45% -2,192.55% -514.47% 129.97% -24.05% -25.60% 7.07%
Invested Capital Growth		 4.00% 6.32% 27.31% 11.97% 13.60% 13.92% -2.21% 12.03% 14.69% 12.08%
Revenue Q/Q Growth		 16.08% 5.48% -0.97% -1.96% -3.34% 0.99% 0.52% 1.88% 6.39% -0.45%
EBITDA Q/Q Growth		 20.22% 1.54% 5.84% -5.38% -6.40% -7.13% 5.92% 1.28% 12.55% -2.24%
EBIT Q/Q Growth		 23.69% 2.64% 6.00% -5.89% -6.77% -7.39% 6.30% 1.49% 13.41% -2.58%
NOPAT Q/Q Growth		 23.81% 3.20% 0.71% -4.39% -7.31% -4.03% 2.86% 0.61% 16.31% -4.12%
Net Income Q/Q Growth		 23.81% 3.20% 0.71% -4.39% -7.31% -4.03% 2.86% 0.61% 16.31% -4.12%
EPS Q/Q Growth		 23.13% 3.03% 1.18% -4.65% -7.32% -3.95% 2.74% 0.67% 15.89% -4.00%
Operating Cash Flow Q/Q Growth		 5.72% -20.98% 47.94% -14.14% 2.39% -30.01% 55.09% 51.00% -22.52% -77.92%
Free Cash Flow Firm Q/Q Growth		 147.54% -477.25% -1,179.71% 65.73% -26.49% -10.78% 162.41% -241.86% -28.08% 18.04%
Invested Capital Q/Q Growth		 0.62% 4.00% 19.69% -10.60% 2.09% 4.29% 2.74% 2.41% 4.51% 1.92%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 49.28% 47.44% 50.70% 48.94% 47.39% 43.58% 45.92% 45.66% 48.30% 47.43%
EBIT Margin		 45.47% 44.25% 47.36% 45.46% 43.85% 40.21% 42.52% 42.36% 45.15% 44.19%
Profit (Net Income) Margin		 36.83% 36.04% 36.65% 35.74% 34.28% 32.57% 33.33% 32.92% 35.99% 34.66%
Tax Burden Percent		 81.00% 81.45% 77.39% 78.62% 78.17% 81.01% 78.39% 77.71% 79.70% 78.44%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.00% 18.55% 22.61% 21.38% 21.83% 18.99% 21.61% 22.29% 20.30% 21.56%
Return on Invested Capital (ROIC)		 15.20% 15.48% 15.27% 16.36% 15.43% 13.89% 12.72% 13.10% 14.20% 13.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.20% 15.48% 15.27% 16.36% 15.43% 13.89% 12.72% 13.10% 14.20% 13.55%
Return on Net Nonoperating Assets (RNNOA)		 1.17% 1.10% 2.33% 1.18% 1.09% 0.91% 1.76% 0.83% 0.87% 0.78%
Return on Equity (ROE)		 16.37% 16.58% 17.60% 17.53% 16.52% 14.80% 14.48% 13.93% 15.07% 14.33%
Cash Return on Invested Capital (CROIC)		 9.89% 8.76% -9.00% 5.32% 3.33% 1.84% 15.20% 1.90% -0.36% 2.00%
Operating Return on Assets (OROA)		 1.99% 2.26% 2.26% 2.30% 2.21% 1.98% 2.06% 2.07% 2.20% 2.15%
Return on Assets (ROA)		 1.61% 1.84% 1.75% 1.80% 1.72% 1.60% 1.61% 1.61% 1.75% 1.69%
Return on Common Equity (ROCE)		 16.37% 16.58% 17.60% 17.53% 16.52% 14.80% 14.48% 13.93% 15.07% 14.33%
Return on Equity Simple (ROE_SIMPLE)		 14.57% 0.00% 16.38% 16.78% 16.10% 0.00% 13.97% 13.28% 13.18% 0.00%
Net Operating Profit after Tax (NOPAT)		 55 57 58 55 51 49 50 51 59 56
NOPAT Margin		 36.83% 36.04% 36.65% 35.74% 34.28% 32.57% 33.33% 32.92% 35.99% 34.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 37.59% 36.38% 37.50% 38.36% 40.03% 40.64% 40.80% 40.37% 39.64% 40.35%
Operating Expenses to Revenue		 52.62% 53.37% 51.16% 52.70% 54.60% 59.79% 54.82% 55.46% 52.99% 56.67%
Earnings before Interest and Taxes (EBIT)		 68 70 74 70 65 60 64 65 74 72
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 74 75 80 75 70 65 69 70 79 77
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.37 2.23 2.04 2.21 2.05 2.19 1.96 1.91 2.19 2.39
Price to Tangible Book Value (P/TBV)		 2.86 2.66 2.41 2.60 2.40 2.55 2.27 2.20 2.50 2.72
Price to Revenue (P/Rev)		 5.45 5.01 4.48 4.79 4.54 5.16 4.78 4.79 5.62 6.15
Price to Earnings (P/E)		 16.30 14.47 12.43 13.19 12.71 14.81 14.05 14.40 16.64 17.94
Dividend Yield		 1.71% 1.79% 1.92% 1.77% 1.92% 1.74% 1.93% 1.96% 1.66% 1.52%
Earnings Yield		 6.14% 6.91% 8.05% 7.58% 7.87% 6.75% 7.12% 6.94% 6.01% 5.57%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.08 0.45 0.38 0.55 0.29 0.31 0.34 0.24
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.20 1.04 0.89 1.37 0.75 0.81 0.93 0.66
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.42 2.12 1.83 2.88 1.61 1.78 2.02 1.40
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.45 2.28 1.97 3.10 1.74 1.92 2.18 1.50
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.56 2.87 2.49 3.94 2.21 2.44 2.75 1.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.52 2.74 2.32 3.59 1.97 1.81 2.00 1.58
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 8.95 12.02 31.81 1.88 17.01 0.00 12.79
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.08 0.07 0.22 0.07 0.07 0.06 0.07 0.06 0.06 0.05
Long-Term Debt to Equity		 0.07 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.05 0.05
Financial Leverage		 0.08 0.07 0.15 0.07 0.07 0.07 0.14 0.06 0.06 0.06
Leverage Ratio		 10.14 9.00 10.07 9.72 9.58 9.22 8.97 8.68 8.60 8.49
Compound Leverage Factor		 10.14 9.00 10.07 9.72 9.58 9.22 8.97 8.68 8.60 8.49
Debt to Total Capital		 7.05% 6.46% 18.09% 6.29% 6.17% 5.87% 6.12% 5.64% 5.41% 5.05%
Short-Term Debt to Total Capital		 0.36% 0.02% 12.71% 0.27% 0.27% 0.22% 0.62% 0.27% 0.26% 0.00%
Long-Term Debt to Total Capital		 6.69% 6.43% 5.38% 6.02% 5.89% 5.65% 5.50% 5.37% 5.14% 5.05%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 92.95% 93.54% 81.91% 93.71% 93.83% 94.13% 93.88% 94.36% 94.59% 94.95%
Debt to EBITDA		 0.38 0.33 1.00 0.30 0.30 0.31 0.34 0.33 0.32 0.29
Net Debt to EBITDA		 -13.60 -11.77 -8.77 -7.64 -7.50 -7.94 -8.66 -8.72 -10.21 -11.72
Long-Term Debt to EBITDA		 0.36 0.33 0.30 0.28 0.29 0.30 0.31 0.31 0.30 0.29
Debt to NOPAT		 0.52 0.45 1.35 0.40 0.41 0.42 0.47 0.45 0.43 0.40
Net Debt to NOPAT		 -18.64 -15.98 -11.87 -10.33 -10.21 -10.87 -11.84 -11.97 -13.90 -16.03
Long-Term Debt to NOPAT		 0.49 0.45 0.40 0.38 0.39 0.41 0.42 0.43 0.41 0.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 5.92 -22 -286 -98 -124 -137 86 -121 -156 -128
Operating Cash Flow to CapEx		 1,837.21% 1,003.85% 872.95% 1,180.77% 1,305.86% 889.25% 647.00% 1,663.09% 1,482.20% 113.13%
Free Cash Flow to Firm to Interest Expense		 0.45 -0.88 -7.88 -2.18 -2.22 -2.20 1.31 -1.77 -2.14 -1.81
Operating Cash Flow to Interest Expense		 4.55 1.85 1.92 1.33 1.09 0.69 1.01 1.46 1.07 0.24
Operating Cash Flow Less CapEx to Interest Expense		 4.30 1.66 1.70 1.22 1.01 0.61 0.86 1.37 1.00 0.03
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 1.91 2.04 2.11 2.22 2.22 2.19 2.14 2.14 2.19 2.20
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,286 1,337 1,600 1,431 1,461 1,523 1,565 1,603 1,675 1,707
Invested Capital Turnover		 0.41 0.43 0.42 0.46 0.45 0.43 0.38 0.40 0.39 0.39
Increase / (Decrease) in Invested Capital		 49 79 343 153 175 186 -35 172 215 184
Enterprise Value (EV)		 -409 -292 121 645 550 837 453 489 574 414
Market Capitalization		 2,838 2,794 2,669 2,969 2,804 3,146 2,884 2,893 3,476 3,882
Book Value per Share		 $36.45 $38.05 $39.86 $40.75 $41.61 $43.56 $44.54 $45.85 $47.99 $48.94
Tangible Book Value per Share		 $30.26 $31.91 $33.74 $34.67 $35.54 $37.51 $38.53 $39.87 $42.04 $43.04
Total Capital		 1,286 1,337 1,600 1,431 1,461 1,523 1,565 1,603 1,675 1,707
Total Debt		 91 86 290 90 90 89 96 90 91 86
Total Long-Term Debt		 86 86 86 86 86 86 86 86 86 86
Net Debt		 -3,247 -3,085 -2,548 -2,324 -2,254 -2,309 -2,430 -2,404 -2,902 -3,468
Capital Expenditures (CapEx)		 3.24 4.68 7.96 5.05 4.68 4.81 10 6.02 5.24 15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 91 86 290 90 90 89 96 90 91 86
Total Depreciation and Amortization (D&A)		 5.72 5.06 5.25 5.35 5.26 5.06 5.14 5.07 5.15 5.28
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.69 $1.74 $1.75 $1.67 $1.55 $1.48 $1.53 $1.53 $1.78 $1.71
Adjusted Weighted Average Basic Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M
Adjusted Diluted Earnings per Share		 $1.65 $1.70 $1.72 $1.64 $1.52 $1.46 $1.50 $1.51 $1.75 $1.68
Adjusted Weighted Average Diluted Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 32.87M 32.89M 32.90M 32.94M 32.92M 32.94M 32.99M 33.02M 33.13M 33.23M
Normalized Net Operating Profit after Tax (NOPAT)		 55 57 58 55 51 49 50 51 59 56
Normalized NOPAT Margin		 36.83% 36.04% 36.65% 35.74% 34.28% 32.57% 33.33% 32.92% 35.99% 34.66%
Pre Tax Income Margin		 45.47% 44.25% 47.36% 45.46% 43.85% 40.21% 42.52% 42.36% 45.15% 44.19%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 5.23 2.76 2.05 1.56 1.17 0.97 0.98 0.95 1.02 1.02
NOPAT to Interest Expense		 4.24 2.25 1.59 1.23 0.91 0.78 0.77 0.74 0.81 0.80
EBIT Less CapEx to Interest Expense		 4.98 2.57 1.83 1.45 1.08 0.89 0.82 0.86 0.94 0.81
NOPAT Less CapEx to Interest Expense		 3.99 2.06 1.37 1.11 0.83 0.71 0.61 0.65 0.74 0.59
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 27.02% 25.10% 23.23% 22.78% 23.85% 25.25% 26.63% 27.71% 27.15% 26.70%
Augmented Payout Ratio		 27.01% 25.10% 23.23% 22.78% 24.68% 26.10% 26.63% 27.71% 27.15% 26.70%

Key Financial Trends

BFC Capital Trust II PFD TR 7.20% (NASDAQ: BANFP) has shown several notable financial trends over the past two years based on the quarterly financial statements available:

  • Net Interest Income has generally increased over the last four quarters, reaching $115.9 million in Q4 2024, up from about $106.1 million in Q1 2024 and significantly higher than levels around $100 million in early 2023. This suggests improving core banking profitability.
  • Total Revenue exhibited growth from approximately $150 million in late 2022 and early 2023 to $163.7 million in Q3 2024, consolidating around $162.9 million in Q4 2024, indicating solid top-line expansion.
  • Net Income has steadily increased quarter-by-quarter during 2024, hitting $56.5 million in Q4 2024 compared to about $50.3 million in Q1 2024, with consistent earnings per share growth (about $1.50 in Q1 to $1.68 in Q4 2024).
  • The company’s balance sheet total assets have increased from approximately $12.3 billion in early 2023 to around $13.3 billion by Q3 2024, underpinned by growth in interest-bearing deposits and trading account securities.
  • Common equity has increased from about $1.31 billion in Q1 2023 to approximately $1.58 billion in Q3 2024, showcasing capital strength and retained earnings accumulation.
  • Net Cash From Operating Activities remains strong, showing positive cash flow (e.g., $17.1 million in Q4 2024 and higher in prior quarters), supporting liquidity and business operations.
  • Provision for Credit Losses fluctuates, sometimes showing negative values (which effectively reduces provisions), such as -$1.4 million in Q4 2024, and positive values in other quarters, indicating variable credit risk adjustments.
  • Deposits and Money Market Investments Interest Income have increased over time, but Deposits Interest Expense also rose, reflecting a higher cost of funds environment, impacting net interest margin.
  • Interest Expense on deposits and long-term debt has increased in recent quarters — for example, Total Interest Expense rose from about $62 million in Q4 2023 to $70.5 million in Q4 2024, putting pressure on net income if not offset by interest income growth.
  • Investment securities purchases greatly exceed sales or maturities in certain quarters (e.g., over $182 million purchased vs. $52 million sold in Q4 2024), which may lead to higher investment asset risk or liquidity challenges if not managed carefully.

Summary: BFC Capital Trust II PFD TR 7.20% shows strong growth in revenue, net interest income, and net income throughout 2023 and 2024, supported by asset and equity growth. However, rising interest expenses and volatile credit loss provisions present some areas to monitor. The solid cash flow from operations and steady capital base help maintain a stable financial position amid typical banking sector risks.

08/22/25 04:58 PMAI Generated. May Contain Errors.

Frequently Asked Questions About BFC Capital Trust II PFD TR 7.20%'s Financials

When does BFC Capital Trust II PFD TR 7.20%'s fiscal year end?

According to the most recent income statement we have on file, BFC Capital Trust II PFD TR 7.20%'s financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has BFC Capital Trust II PFD TR 7.20%'s net income changed over the last 9 years?

BFC Capital Trust II PFD TR 7.20%'s net income appears to be on an upward trend, with a most recent value of $216.35 million in 2024, rising from $66.17 million in 2015. The previous period was $212.47 million in 2023.

How has BFC Capital Trust II PFD TR 7.20%'s revenue changed over the last 9 years?

Over the last 9 years, BFC Capital Trust II PFD TR 7.20%'s total revenue changed from $294.60 million in 2015 to $631.45 million in 2024, a change of 114.3%.

How much debt does BFC Capital Trust II PFD TR 7.20% have?

BFC Capital Trust II PFD TR 7.20%'s total liabilities were at $11.93 billion at the end of 2024, a 9.1% increase from 2023, and a 97.7% increase since 2015.

How much cash does BFC Capital Trust II PFD TR 7.20% have?

In the past 9 years, BFC Capital Trust II PFD TR 7.20%'s cash and equivalents has ranged from $183.92 million in 2016 to $280.52 million in 2020, and is currently $237.84 million as of their latest financial filing in 2024.

How has BFC Capital Trust II PFD TR 7.20%'s book value per share changed over the last 9 years?

Over the last 9 years, BFC Capital Trust II PFD TR 7.20%'s book value per share changed from 42.03 in 2015 to 48.94 in 2024, a change of 16.4%.


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This page (NASDAQ:BANFP) was last updated on 8/22/2025 by MarketBeat.com Staff
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