BANCFIRST CORP (BANF) Stock Fundamental Analysis

NASDAQ:BANF • US05945F1030

113.01 USD
+3.01 (+2.74%)
At close: Mar 2, 2026
113.01 USD
0 (0%)
After Hours: 3/2/2026, 8:03:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BANF scores 4 out of 10 in our fundamental rating. BANF was compared to 379 industry peers in the Banks industry. While BANF is still in line with the averages on profitability rating, there are concerns on its financial health. BANF is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

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.
  • BANF had positive earnings in each of the past 5 years.
  • Of the past 5 years BANF 4 years had a positive operating cash flow.
BANF Yearly Net Income VS EBIT VS OCF VS FCFBANF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • BANF has a better Return On Assets (1.67%) than 92.35% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.33%, BANF belongs to the top of the industry, outperforming 88.65% of the companies in the same industry.
Industry RankSector Rank
ROA 1.67%
ROE 13.33%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BANF Yearly ROA, ROE, ROICBANF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BANF has a better Profit Margin (35.33%) than 91.56% of its industry peers.
  • BANF's Profit Margin has improved in the last couple of years.
  • BANF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 35.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.19%
PM growth 5Y9.2%
GM growth 3YN/A
GM growth 5YN/A
BANF Yearly Profit, Operating, Gross MarginsBANF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for BANF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BANF Yearly Shares OutstandingBANF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BANF Yearly Total Debt VS Total AssetsBANF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • The Debt to FCF ratio of BANF is 0.50, which is an excellent value as it means it would take BANF, only 0.50 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BANF (0.50) is better than 80.47% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.05, BANF is doing good in the industry, outperforming 79.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
BANF Yearly LT Debt VS Equity VS FCFBANF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BANF Yearly Current Assets VS Current LiabilitesBANF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • BANF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.56%, which is quite good.
  • The Earnings Per Share has been growing by 18.87% on average over the past years. This is quite good.
  • Looking at the last year, BANF shows a quite strong growth in Revenue. The Revenue has grown by 9.37% in the last year.
  • Measured over the past years, BANF shows a quite strong growth in Revenue. The Revenue has been growing by 9.24% on average per year.
EPS 1Y (TTM)10.56%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%4.17%
Revenue 1Y (TTM)9.37%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%11.09%

3.2 Future

  • BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.55% yearly.
  • BANF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.
EPS Next Y0.46%
EPS Next 2Y1.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.27%
Revenue Next 2Y4.1%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BANF Yearly Revenue VS EstimatesBANF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
BANF Yearly EPS VS EstimatesBANF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.87, BANF is valued correctly.
  • Based on the Price/Earnings ratio, BANF is valued a bit more expensive than the industry average as 76.25% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.13. BANF is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 15.80, BANF is valued correctly.
  • Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than the industry average as 75.46% of the companies are valued more cheaply.
  • BANF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.11.
Industry RankSector Rank
PE 15.87
Fwd PE 15.8
BANF Price Earnings VS Forward Price EarningsBANF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 71.77% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.37
EV/EBITDA N/A
BANF Per share dataBANF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BANF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)34.51
PEG (5Y)0.84
EPS Next 2Y1.55%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BANF has a Yearly Dividend Yield of 1.70%.
  • Compared to an average industry Dividend Yield of 2.73, BANF is paying slightly less dividend.
  • BANF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

  • On average, the dividend of BANF grows each year by 7.69%, which is quite nice.
  • BANF has paid a dividend for at least 10 years, which is a reliable track record.
  • BANF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.69%
Div Incr Years27
Div Non Decr Years29
BANF Yearly Dividends per shareBANF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 25.72% 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.
DP25.72%
EPS Next 2Y1.55%
EPS Next 3YN/A
BANF Yearly Income VS Free CF VS DividendBANF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
BANF Dividend Payout.BANF Dividend Payout, showing the Payout Ratio.BANF Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BANCFIRST CORP

NASDAQ:BANF (3/2/2026, 8:03:29 PM)

After market: 113.01 0 (0%)

113.01

+3.01 (+2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners57.64%
Inst Owner Change-1.23%
Ins Owners3.88%
Ins Owner Change-5.38%
Market Cap3.79B
Revenue(TTM)690.63M
Net Income(TTM)237.59M
Analysts45.71
Price Target126.14 (11.62%)
Short Float %3.44%
Short Ratio6.45
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP25.72%
Div Incr Years27
Div Non Decr Years29
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.82%
Min EPS beat(2)-2.51%
Max EPS beat(2)10.15%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-2.51%
Max EPS beat(4)10.15%
EPS beat(8)7
Avg EPS beat(8)4.47%
EPS beat(12)9
Avg EPS beat(12)2.73%
EPS beat(16)13
Avg EPS beat(16)4.86%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-1.77%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.32%
Min Revenue beat(4)-1.77%
Max Revenue beat(4)1.32%
Revenue beat(8)5
Avg Revenue beat(8)0.14%
Revenue beat(12)5
Avg Revenue beat(12)-0.38%
Revenue beat(16)9
Avg Revenue beat(16)0.52%
PT rev (1m)1.64%
PT rev (3m)1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)-0.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 15.87
Fwd PE 15.8
P/S 5.64
P/FCF 19.37
P/OCF 15.31
P/B 2.13
P/tB 2.38
EV/EBITDA N/A
EPS(TTM)7.12
EY6.3%
EPS(NY)7.15
Fwd EY6.33%
FCF(TTM)5.84
FCFY5.16%
OCF(TTM)7.38
OCFY6.53%
SpS20.05
BVpS53.15
TBVpS47.41
PEG (NY)34.51
PEG (5Y)0.84
Graham Number92.28
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 13.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.33%
GM N/A
FCFM 29.1%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.19%
PM growth 5Y9.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Debt/EBITDA N/A
Cap/Depr 232.62%
Cap/Sales 7.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 82.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.56%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%4.17%
EPS Next Y0.46%
EPS Next 2Y1.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%11.09%
Revenue Next Year4.27%
Revenue Next 2Y4.1%
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-24.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-13.66%
OCF growth 3YN/A
OCF growth 5YN/A

BANCFIRST CORP / BANF FAQ

What is the fundamental rating for BANF stock?

ChartMill assigns a fundamental rating of 4 / 10 to BANF.


What is the valuation status for BANF stock?

ChartMill assigns a valuation rating of 2 / 10 to BANCFIRST CORP (BANF). This can be considered as Overvalued.


Can you provide the profitability details for BANCFIRST CORP?

BANCFIRST CORP (BANF) has a profitability rating of 5 / 10.


What is the financial health of BANCFIRST CORP (BANF) stock?

The financial health rating of BANCFIRST CORP (BANF) is 3 / 10.


What is the earnings growth outlook for BANCFIRST CORP?

The Earnings per Share (EPS) of BANCFIRST CORP (BANF) is expected to grow by 0.46% in the next year.