116.69 USD
+0.22 (+0.19%)
At close: Feb 5, 2026
116.69 USD
0 (0%)
After Hours: 2/5/2026, 8:10:27 PM
BANF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. BANF has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- Of the past 5 years BANF 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of BANF (1.67%) is better than 92.17% 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 89.03% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- BANF has a better Profit Margin (35.33%) than 91.91% of its industry peers.
- In the last couple of years the Profit Margin of BANF has grown nicely.
- 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) | 35.33% | ||
| 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
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.
2.2 Solvency
- BANF has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.50, BANF belongs to the top of the industry, outperforming 80.16% 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 Debt to Equity ratio of 0.05. This is in the better half of the industry: BANF outperforms 79.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- The Revenue has grown by 9.37% in the past year. This is quite good.
- 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 0.51% yearly.
- The Revenue is expected to grow by 3.36% on average over the next years.
EPS Next Y1.15%
EPS Next 2Y0.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.39%
Revenue Next 2Y3.36%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- With a Price/Earnings ratio of 16.39, BANF is valued correctly.
- 73.89% of the companies in the same industry are cheaper than BANF, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.67. BANF is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 16.20 indicates a correct valuation of BANF.
- Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than the industry average as 74.41% 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 27.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.39 | ||
| Fwd PE | 16.2 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than the industry average as 70.23% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)14.19
PEG (5Y)0.87
EPS Next 2Y0.51%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BANF has a Yearly Dividend Yield of 1.80%. Purely for dividend investing, there may be better candidates out there.
- BANF's Dividend Yield is slightly below the industry average, which is at 2.71.
- BANF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
5.2 History
- On average, the dividend of BANF grows each year by 7.69%, which is quite nice.
- 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
- 25.72% of the earnings are spent on dividend by BANF. This is a low number and sustainable payout ratio.
- BANF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.72%
EPS Next 2Y0.51%
EPS Next 3YN/A
116.69
+0.22 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-15 2026-04-15
Inst Owners57.64%
Inst Owner Change-2.05%
Ins Owners3.88%
Ins Owner Change-0.01%
Market Cap3.89B
Revenue(TTM)690.63M
Net Income(TTM)237.59M
Analysts47.5
Price Target124.1 (6.35%)
Short Float %3.5%
Short Ratio6.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.4%
Revenue NY rev (3m)-0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.39 | ||
| Fwd PE | 16.2 | ||
| P/S | 5.78 | ||
| P/FCF | 19.87 | ||
| P/OCF | 15.71 | ||
| P/B | 2.18 | ||
| P/tB | 2.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.12
EY6.1%
EPS(NY)7.2
Fwd EY6.17%
FCF(TTM)5.87
FCFY5.03%
OCF(TTM)7.43
OCFY6.37%
SpS20.18
BVpS53.49
TBVpS47.7
PEG (NY)14.19
PEG (5Y)0.87
Graham Number92.57
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.09%
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 Y1.15%
EPS Next 2Y0.51%
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 Year3.39%
Revenue Next 2Y3.36%
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 1.15% in the next year.