BANCFIRST CORP (BANF) Stock Fundamental Analysis
NASDAQ:BANF - US05945F1030 - Common Stock
133.85 USD
+0.98 (+0.74%)
133.85 USD
0 (0%)
BANF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. BANF has an average financial health and profitability rating. While showing a medium growth rate, BANF is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
BANF had positive earnings in the past year.
BANF had a positive operating cash flow in the past year.
Each year in the past 5 years BANF has been profitable.
BANF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.66%, BANF belongs to the top of the industry, outperforming 92.37% of the companies in the same industry.
BANF has a better Return On Equity (13.53%) than 89.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.66% | ||
| ROE | 13.53% | ||
| ROIC | N/A |
ROA(3y)1.62%
ROA(5y)1.55%
ROE(3y)14.53%
ROE(5y)13.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BANF (35.39%) is better than 92.62% of its industry peers.
BANF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for BANF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 35.39% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.24%
PM growth 5Y1.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BANF has been increased compared to 1 year ago.
Compared to 5 years ago, BANF has more shares outstanding
The debt/assets ratio for BANF has been reduced compared to a year ago.
2.2 Solvency
BANF has a debt to FCF ratio of 0.45. This is a very positive value and a sign of high solvency as it would only need 0.45 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.45, BANF belongs to the top of the industry, outperforming 82.95% of the companies in the same industry.
BANF has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
BANF has a better Debt to Equity ratio (0.05) than 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.03% over the past year.
BANF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.61% yearly.
BANF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.44%.
BANF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.54% yearly.
EPS 1Y (TTM)16.03%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%22.52%
Revenue 1Y (TTM)9.44%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%10.05%
3.2 Future
BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
The Revenue is expected to grow by 6.37% on average over the next years.
EPS Next Y14.04%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.79%
Revenue Next 2Y6.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.26 indicates a rather expensive valuation of BANF.
BANF's Price/Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 78.12% of the companies in the same industry.
BANF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.14.
With a Price/Forward Earnings ratio of 18.38, BANF is valued on the expensive side.
BANF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 77.10% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, BANF is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.26 | ||
| Fwd PE | 18.38 |
4.2 Price Multiples
BANF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BANF is more expensive than 71.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BANF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.37
PEG (5Y)2
EPS Next 2Y6.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.47%, BANF has a reasonable but not impressive dividend return.
BANF's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to the average S&P500 Dividend Yield of 2.34, BANF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
5.2 History
The dividend of BANF is nicely growing with an annual growth rate of 7.69%!
BANF has been paying a dividend for at least 10 years, so it has a reliable track record.
BANF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.69%
Div Incr Years27
Div Non Decr Years29
5.3 Sustainability
25.66% of the earnings are spent on dividend by BANF. This is a low number and sustainable payout ratio.
The dividend of BANF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.66%
EPS Next 2Y6.34%
EPS Next 3YN/A
133.85
+0.98 (+0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.09%
Inst Owner Change0.46%
Ins Owners3.88%
Ins Owner Change0.23%
Market Cap4.46B
Analysts47.5
Price Target135.32 (1.1%)
Short Float %3.05%
Short Ratio5.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP25.66%
Div Incr Years27
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.88%
Min EPS beat(2)3.62%
Max EPS beat(2)10.15%
EPS beat(4)4
Avg EPS beat(4)6.06%
Min EPS beat(4)1.67%
Max EPS beat(4)10.15%
EPS beat(8)8
Avg EPS beat(8)4.81%
EPS beat(12)10
Avg EPS beat(12)3.55%
EPS beat(16)13
Avg EPS beat(16)4.6%
Revenue beat(2)1
Avg Revenue beat(2)0.64%
Min Revenue beat(2)-0.03%
Max Revenue beat(2)1.32%
Revenue beat(4)2
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)1.32%
Revenue beat(8)5
Avg Revenue beat(8)0.14%
Revenue beat(12)6
Avg Revenue beat(12)0.11%
Revenue beat(16)9
Avg Revenue beat(16)0.58%
PT rev (1m)9.64%
PT rev (3m)9.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.84%
EPS NY rev (1m)7.04%
EPS NY rev (3m)7.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.02%
Revenue NY rev (1m)2.74%
Revenue NY rev (3m)3.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.26 | ||
| Fwd PE | 18.38 | ||
| P/S | 6.75 | ||
| P/FCF | 21.82 | ||
| P/OCF | 17.85 | ||
| P/B | 2.58 | ||
| P/tB | 2.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.95
EY5.19%
EPS(NY)7.28
Fwd EY5.44%
FCF(TTM)6.14
FCFY4.58%
OCF(TTM)7.5
OCFY5.6%
SpS19.84
BVpS51.88
TBVpS46.06
PEG (NY)1.37
PEG (5Y)2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.66% | ||
| ROE | 13.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 35.39% | ||
| GM | N/A | ||
| FCFM | 30.93% |
ROA(3y)1.62%
ROA(5y)1.55%
ROE(3y)14.53%
ROE(5y)13.44%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.24%
PM growth 5Y1.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 205.63% | ||
| Cap/Sales | 6.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.41%
ROIC/WACCN/A
Cap/Depr(3y)120.16%
Cap/Depr(5y)171.57%
Cap/Sales(3y)4.35%
Cap/Sales(5y)6.73%
Profit Quality(3y)103.27%
Profit Quality(5y)100.81%
High Growth Momentum
Growth
EPS 1Y (TTM)16.03%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%22.52%
EPS Next Y14.04%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.44%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%10.05%
Revenue Next Year8.79%
Revenue Next 2Y6.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.86%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y5.98%
OCF growth 3Y8.61%
OCF growth 5Y10.44%