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BANCFIRST CORP (BANF) Stock Fundamental Analysis

NASDAQ:BANF - Nasdaq - US05945F1030 - Common Stock - Currency: USD

121.33  -0.99 (-0.81%)

Fundamental Rating

4

BANF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. BANF has only an average score on both its financial health and profitability. BANF is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year BANF was profitable.
BANF had a positive operating cash flow in the past year.
In the past 5 years BANF has always been profitable.
Each year in the past 5 years BANF 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

The Return On Assets of BANF (1.58%) is better than 92.09% of its industry peers.
Looking at the Return On Equity, with a value of 13.28%, BANF belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
ROA 1.58%
ROE 13.28%
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
BANF Yearly ROA, ROE, ROICBANF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BANF's Profit Margin of 34.42% is amongst the best of the industry. BANF outperforms 90.82% 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 RankSector Rank
OM N/A
PM (TTM) 34.42%
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
BANF Yearly Profit, Operating, Gross MarginsBANF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
BANF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BANF has been increased compared to 5 years ago.
BANF has a better debt/assets ratio than last year.
BANF Yearly Shares OutstandingBANF Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BANF has a debt to FCF ratio of 0.37. This is a very positive value and a sign of high solvency as it would only need 0.37 years to pay back of all of its debts.
BANF has a Debt to FCF ratio of 0.37. This is amongst the best in the industry. BANF outperforms 83.93% of its industry peers.
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 80.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC13.8%
BANF Yearly LT Debt VS Equity VS FCFBANF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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5

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 3.20% yearly.
Based on estimates for the next years, BANF will show a small growth in Revenue. The Revenue will grow by 6.37% on average per year.
EPS Next Y6.54%
EPS Next 2Y3.2%
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

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.
BANF Yearly Revenue VS EstimatesBANF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
BANF Yearly EPS VS EstimatesBANF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.46, the valuation of BANF can be described as rather expensive.
BANF's Price/Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 77.30% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.99. BANF is valued slightly cheaper when compared to this.
BANF is valuated rather expensively with a Price/Forward Earnings ratio of 17.69.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 78.32% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BANF to the average of the S&P500 Index (36.36), we can say BANF is valued rather cheaply.
Industry RankSector Rank
PE 17.46
Fwd PE 17.69
BANF Price Earnings VS Forward Price EarningsBANF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 67.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.24
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 an expensive valuation of the company.
PEG (NY)2.67
PEG (5Y)1.82
EPS Next 2Y3.2%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BANF has a Yearly Dividend Yield of 1.48%. Purely for dividend investing, there may be better candidates out there.
BANF's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to the average S&P500 Dividend Yield of 2.40, BANF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.48%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BANF pays out 26.51% of its income as dividend. This is a sustainable payout ratio.
The dividend of BANF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.51%
EPS Next 2Y3.2%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
BANF Dividend Payout.BANF Dividend Payout, showing the Payout Ratio.BANF Dividend Payout.PayoutRetained Earnings

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BANCFIRST CORP

NASDAQ:BANF (8/7/2025, 10:08:57 AM)

121.33

-0.99 (-0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-15 2025-10-15/amc
Inst Owners55.92%
Inst Owner Change-0.12%
Ins Owners3.89%
Ins Owner Change0.18%
Market Cap4.04B
Analysts47.5
Price Target123.42 (1.72%)
Short Float %3.2%
Short Ratio5.94
Dividend
Industry RankSector Rank
Dividend Yield 1.48%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP26.51%
Div Incr Years27
Div Non Decr Years29
Ex-Date06-30 2025-06-30 (0.46)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.65%
Min EPS beat(2)1.67%
Max EPS beat(2)3.62%
EPS beat(4)4
Avg EPS beat(4)4.66%
Min EPS beat(4)1.67%
Max EPS beat(4)8.82%
EPS beat(8)7
Avg EPS beat(8)3.5%
EPS beat(12)10
Avg EPS beat(12)4.43%
EPS beat(16)13
Avg EPS beat(16)5.58%
Revenue beat(2)0
Avg Revenue beat(2)-0.42%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)-0.03%
Revenue beat(4)2
Avg Revenue beat(4)0.09%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)0.72%
Revenue beat(8)4
Avg Revenue beat(8)-0.27%
Revenue beat(12)6
Avg Revenue beat(12)0.3%
Revenue beat(16)9
Avg Revenue beat(16)1.11%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)0.5%
EPS NY rev (3m)4.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)3.06%
Revenue NY rev (3m)3.06%
Valuation
Industry RankSector Rank
PE 17.46
Fwd PE 17.69
P/S 6.26
P/FCF 17.24
P/OCF 14.85
P/B 2.41
P/tB 2.73
EV/EBITDA N/A
EPS(TTM)6.95
EY5.73%
EPS(NY)6.86
Fwd EY5.65%
FCF(TTM)7.04
FCFY5.8%
OCF(TTM)8.17
OCFY6.73%
SpS19.4
BVpS50.28
TBVpS44.43
PEG (NY)2.67
PEG (5Y)1.82
Profitability
Industry RankSector Rank
ROA 1.58%
ROE 13.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.42%
GM N/A
FCFM 36.28%
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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.37
Debt/EBITDA N/A
Cap/Depr 171.94%
Cap/Sales 5.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 105.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.8%
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 Y6.54%
EPS Next 2Y3.2%
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 1Y10.8%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y17.07%
OCF growth 3Y8.61%
OCF growth 5Y10.44%