What is BFC Capital Trust II's earnings per share (EPS)?

BFC Capital Trust II (BANFP) reported diluted earnings per share of $7.11 for fiscal year 2025. This represents a 10.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

BFC Capital Trust II Financials

BANFP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows BFC Capital Trust II (BANFP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BANFP FY2025 2026-04-22

BANFP’s earnings engine is a leveraged balance-sheet business that kept expanding assets while gradually relying less on leverage.

From FY2023 to FY2025, ROA stayed roughly flat while ROE slipped from 14.8% to 13.0%. With debt-to-equity easing to 7.0x, the lower shareholder return looks more like the same asset earnings being spread over a thicker equity base than a deterioration in core earning power.

Reported profit is backed by cash rather than heavy reinvestment: operating cash flow reached $285M versus net income of $241M. Because capital spending was modest relative to the balance sheet, the business’s economics appear driven more by financial assets and funding structure than by physical infrastructure.

The tougher part of the model is visible in funding costs: interest expense climbed from $199M in FY2023 to $270M in FY2025. Yet earnings still rose over that span, suggesting asset growth and higher revenue were enough to absorb a more expensive liability base instead of squeezing profits lower.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of BFC Capital Trust II's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

BFC Capital Trust II's revenue grew 5.0% year-over-year to $760.3M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

BFC Capital Trust II has elevated debt relative to equity (D/E of 7.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

BFC Capital Trust II converts 31.2% of revenue into free cash flow ($237.0M). This strong cash generation earns a score of 100/100.

Returns

BFC Capital Trust II's ROE of 13.0% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 13.4% the prior year.

Piotroski F-Score Neutral

4/9

BFC Capital Trust II passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, BFC Capital Trust II generates $1.19 in operating cash flow ($285.3M OCF vs $240.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$760.3M

YoY+5.0%

5Y CAGR+18.4%

10Y CAGR+14.2%

BFC Capital Trust II generated $760.3M in revenue in fiscal year 2025. This represents an increase of 5.0% from the prior year.

EBITDA

N/A

Net Income

$240.6M

YoY+11.2%

5Y CAGR+19.3%

10Y CAGR+13.8%

BFC Capital Trust II reported $240.6M in net income in fiscal year 2025. This represents an increase of 11.2% from the prior year.

EPS (Diluted)

$7.11

YoY+10.4%

5Y CAGR+18.8%

10Y CAGR+13.0%

BFC Capital Trust II earned $7.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 10.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$237.0M

YoY+5.5%

5Y CAGR+21.8%

10Y CAGR+13.5%

BFC Capital Trust II generated $237.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 5.5% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$1.90

YoY+6.7%

BFC Capital Trust II paid $1.90 per share in dividends in fiscal year 2025. This represents an increase of 6.7% from the prior year.

Shares Outstanding

34M

YoY+1.0%

5Y CAGR+0.5%

10Y CAGR+8.0%

BFC Capital Trust II had 34M shares outstanding in fiscal year 2025. This represents an increase of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

31.6%

YoY+1.8pp

5Y CAGR+1.2pp

10Y CAGR-1.3pp

BFC Capital Trust II's net profit margin was 31.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.8 percentage points from the prior year.

Return on Equity

13.0%

YoY-0.4pp

5Y CAGR+3.7pp

10Y CAGR+2.9pp

BFC Capital Trust II's ROE was 13.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$48.3M

YoY+31.8%

5Y CAGR-6.2%

10Y CAGR+15.7%

BFC Capital Trust II invested $48.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 31.8% from the prior year.

BANFP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$760.3M+5.0%	$724.1M+16.1%	$623.9M+48.6%	$419.8M+28.4%	$327.0M0.0%	$327.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$226.0M+6.6%	$212.0M+6.0%	$200.0M+8.1%	$185.0M+10.9%	$166.7M+1.2%	$164.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$269.8M-2.7%	$277.3M+39.0%	$199.5M+332.3%	$46.1M+306.1%	$11.4M-44.4%	$20.4M
Income Tax	$64.5M+9.5%	$58.9M+2.5%	$57.5M+29.7%	$44.3M+8.7%	$40.8M+70.4%	$23.9M
Net Income	$240.6M+11.2%	$216.4M+1.8%	$212.5M+10.0%	$193.1M+15.2%	$167.6M+68.3%	$99.6M
EPS (Diluted)	$7.11+10.4%	$6.44+1.6%	$6.34+9.9%	$5.77+14.7%	$5.03+67.7%	$3.00

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$190.2M-2.5%	$195.0M+0.3%	$194.4M+3.2%	$188.4M+3.3%	$182.5M-2.1%	$186.4M-0.7%	$187.7M+5.1%	$178.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$58.9M+0.5%	$58.6M+1.5%	$57.7M+4.6%	$55.1M+1.0%	$54.6M+0.5%	$54.3M+0.2%	$54.2M+4.4%	$51.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$62.6M-7.0%	$67.3M-2.2%	$68.8M+2.4%	$67.2M+1.0%	$66.5M-5.6%	$70.5M-3.1%	$72.7M+6.0%	$68.6M
Income Tax	$17.1M+7.7%	$15.9M-2.8%	$16.3M-6.1%	$17.4M+16.1%	$15.0M-3.6%	$15.5M+3.5%	$15.0M+3.3%	$14.5M
Net Income	$63.0M+5.9%	$59.5M-5.0%	$62.7M+0.5%	$62.3M+11.1%	$56.1M-0.6%	$56.5M-4.1%	$58.9M+16.3%	$50.6M
EPS (Diluted)	$1.85	N/A	$1.850.0%	$1.85+11.4%	$1.66	N/A	$1.75+15.9%	$1.51

BANFP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$14.8B+9.5%	$13.6B+9.6%	$12.4B-0.1%	$12.4B+31.7%	$9.4B+2.1%	$9.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$182.7M+0.3%	$182.3M0.0%	$182.3M+0.1%	$182.1M+21.4%	$149.9M0.0%	$149.9M
Total Liabilities	$13.0B+8.8%	$11.9B+9.1%	$10.9B-1.8%	$11.1B+35.3%	$8.2B+1.1%	$8.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.9B+14.4%	$1.6B+13.1%	$1.4B+14.6%	$1.3B+6.8%	$1.2B+9.7%	$1.1B
Retained Earnings	$1.6B+12.4%	$1.4B+12.3%	$1.3B+13.9%	$1.1B+14.7%	$977.1M+12.2%	$871.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$15.1B+1.9%	$14.8B+4.5%	$14.2B+1.1%	$14.0B+0.1%	$14.0B+3.6%	$13.6B+1.8%	$13.3B+4.5%	$12.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$183.4M+0.4%	$182.7M+0.3%	$182.3M0.0%	$182.3M0.0%	$182.3M0.0%	$182.3M0.0%	$182.3M0.0%	$182.3M
Total Liabilities	$13.2B+1.8%	$13.0B+4.6%	$12.4B+0.8%	$12.3B-0.4%	$12.4B+3.6%	$11.9B+1.7%	$11.7B+4.5%	$11.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.9B+2.6%	$1.9B+4.0%	$1.8B+3.2%	$1.7B+3.3%	$1.7B+3.2%	$1.6B+2.3%	$1.6B+4.8%	$1.5B
Retained Earnings	$1.7B+2.9%	$1.6B+2.7%	$1.6B+3.0%	$1.5B+3.2%	$1.5B+2.8%	$1.4B+3.0%	$1.4B+3.2%	$1.3B

BANFP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$285.3M+9.2%	$261.2M+12.1%	$233.0M+3.0%	$226.3M+11.0%	$203.9M+31.7%	$154.9M
Capital Expenditures	$48.3M+31.8%	$36.7M+62.9%	$22.5M+13.7%	$19.8M-27.4%	$27.3M-59.0%	$66.4M
Free Cash Flow	$237.0M+5.5%	$224.5M+6.7%	$210.5M+2.0%	$206.5M+16.9%	$176.7M+99.8%	$88.4M
Investing Cash Flow	$15.5M+121.8%	-$71.4M+89.3%	-$669.7M+55.9%	-$1.5B-459.2%	$422.9M+147.1%	-$898.5M
Financing Cash Flow	$549.8M-43.1%	$966.5M+388.7%	-$334.8M-113.9%	$2.4B+1345.1%	-$193.7M-139.3%	$492.3M
Dividends Paid	$62.2M+7.7%	$57.8M+7.7%	$53.6M+10.7%	$48.5M+7.4%	$45.1M+6.3%	$42.5M
Share Buybacks	N/A	N/A	$1.8M	N/A	$11.7M+276.5%	$3.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$75.8M+38.5%	$54.8M-27.4%	$75.4M-3.5%	$78.1M+1.5%	$77.0M+349.2%	$17.1M-77.9%	$77.6M-22.5%	$100.2M
Capital Expenditures	$10.8M-6.6%	$11.5M-1.4%	$11.7M-14.8%	$13.7M+21.5%	$11.3M-25.3%	$15.1M+189.3%	$5.2M-13.1%	$6.0M
Free Cash Flow	$65.1M+50.5%	$43.2M-32.1%	$63.7M-1.0%	$64.4M-1.9%	$65.6M+3201.9%	$2.0M-97.3%	$72.4M-23.1%	$94.1M
Investing Cash Flow	-$3.6M-103.2%	$115.4M+257.1%	-$73.5M-406.7%	$24.0M+147.6%	-$50.4M-115.9%	$317.0M+1267.5%	-$27.2M+87.7%	-$220.0M
Financing Cash Flow	$208.0M+15.9%	$179.5M+224.5%	$55.3M+170.1%	-$78.9M-120.0%	$393.8M+73.1%	$227.5M-49.2%	$448.3M+409.0%	$88.1M
Dividends Paid	$16.4M+0.6%	$16.3M+6.7%	$15.3M+0.1%	$15.3M+0.1%	$15.3M+0.3%	$15.2M+7.3%	$14.2M+0.2%	$14.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

BANFP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.6%+1.8pp	29.9%-4.2pp	34.1%-11.9pp	46.0%-5.3pp	51.3%+20.8pp	30.4%
Return on Equity	13.0%-0.4pp	13.4%-1.5pp	14.8%-0.6pp	15.4%+1.1pp	14.3%+5.0pp	9.3%
Return on Assets	1.6%+0.0pp	1.6%-0.1pp	1.7%+0.2pp	1.6%-0.2pp	1.8%+0.7pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.00-0.4	7.36-0.3	7.63-1.3	8.90+1.9	7.03-0.6	7.63
FCF Margin	31.2%+0.2pp	31.0%-2.7pp	33.7%-15.4pp	49.2%-4.8pp	54.0%+27.0pp	27.0%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	33.1%+2.6pp	30.5%-1.7pp	32.2%-0.9pp	33.1%+2.3pp	30.8%+0.5pp	30.3%-1.1pp	31.4%+3.0pp	28.4%
Return on Equity	3.3%+0.1pp	3.2%-0.3pp	3.5%-0.1pp	3.6%+0.3pp	3.4%-0.1pp	3.5%-0.2pp	3.7%+0.4pp	3.4%
Return on Assets	0.4%+0.0pp	0.4%-0.0pp	0.4%0.0pp	0.4%+0.0pp	0.4%-0.0pp	0.4%-0.0pp	0.4%+0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.95-0.1	7.00+0.0	6.96-0.2	7.13-0.3	7.39+0.0	7.36-0.0	7.40-0.0	7.42
FCF Margin	34.2%+12.0pp	22.2%-10.6pp	32.8%-1.4pp	34.2%-1.8pp	36.0%+34.9pp	1.1%-37.5pp	38.6%-14.2pp	52.7%

Frequently Asked Questions

What is BFC Capital Trust II's annual revenue?

BFC Capital Trust II (BANFP) reported $760.3M in total revenue for fiscal year 2025. This represents a 5.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is BFC Capital Trust II's revenue growing?

BFC Capital Trust II (BANFP) revenue grew by 5% year-over-year, from $724.1M to $760.3M in fiscal year 2025.

Is BFC Capital Trust II profitable?

Yes, BFC Capital Trust II (BANFP) reported a net income of $240.6M in fiscal year 2025, with a net profit margin of 31.6%.

What is BFC Capital Trust II's net profit margin?

BFC Capital Trust II (BANFP) had a net profit margin of 31.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does BFC Capital Trust II pay dividends?

Yes, BFC Capital Trust II (BANFP) paid $1.90 per share in dividends during fiscal year 2025.

What is BFC Capital Trust II's return on equity (ROE)?

BFC Capital Trust II (BANFP) has a return on equity of 13.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is BFC Capital Trust II's free cash flow?

BFC Capital Trust II (BANFP) generated $237.0M in free cash flow during fiscal year 2025. This represents a 5.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is BFC Capital Trust II's operating cash flow?

BFC Capital Trust II (BANFP) generated $285.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are BFC Capital Trust II's total assets?

BFC Capital Trust II (BANFP) had $14.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are BFC Capital Trust II's capital expenditures?

BFC Capital Trust II (BANFP) invested $48.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does BFC Capital Trust II have outstanding?

BFC Capital Trust II (BANFP) had 34M shares outstanding as of fiscal year 2025.

What is BFC Capital Trust II's debt-to-equity ratio?

BFC Capital Trust II (BANFP) had a debt-to-equity ratio of 7.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is BFC Capital Trust II's return on assets (ROA)?

BFC Capital Trust II (BANFP) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is BFC Capital Trust II's Piotroski F-Score?

BFC Capital Trust II (BANFP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are BFC Capital Trust II's earnings high quality?

BFC Capital Trust II (BANFP) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is BFC Capital Trust II?

BFC Capital Trust II (BANFP) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.