It's pretty good. The coffee is decent, similar to Starbucks, and their bagels are pretty good. I can't vouch for their other menus items but I've heard people say it's okay, so take that with a grain of salt.
The atmosphere isn't bad. It can be noisy but there is a surprising amount of seating. I was also pleased with the amount of power outlets since I was working the better part of the day off of my laptop.
There was a weird milk situation where I asked for 2% but they told me to look for what bottles of milk they had for sale and because there was only skim then I could get skim in the latte I wanted to order. I've never experienced anything like that and while it wasn't bad it was just unusual.
Also my girlfriend said the bathrooms were slightly gross.
Overall it's good. I prefer local shops over big chains. So with a Starbucks across the street, I'm taking Bagel Factory every day.
Also free wifi!