BANCFIRST CORP (BANF) Stock Fundamental Analysis
USA - NASDAQ:BANF - US05945F1030 - Common Stock
112.93 USD
-1.75 (-1.53%)
112.93 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 391 industry peers in the Banks industry. Both the profitability and the financial health of BANF get a neutral evaluation. Nothing too spectacular is happening here. BANF is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
BANF had positive earnings in the past year.
In the past year BANF had a positive cash flow from operations.
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 92.58% of the companies in the same industry.
BANF has a better Return On Equity (13.53%) than 89.77% 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
BANF has a better Profit Margin (35.39%) than 92.58% 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.
Compared to 1 year ago, BANF has more shares outstanding
Compared to 5 years ago, BANF has more shares outstanding
Compared to 1 year ago, BANF has an improved debt to assets ratio.
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 82.35% 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.
Looking at the Debt to Equity ratio, with a value of 0.05, BANF belongs to the top of the industry, outperforming 80.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
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 16.03%, which is quite good.
The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.
BANF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.44%.
Measured over the past years, BANF shows a quite strong growth in Revenue. The Revenue has been growing by 8.54% on average per year.
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
Based on estimates for the next years, BANF will show a small growth in Earnings Per Share. The EPS will grow by 6.34% on average per year.
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 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
The Price/Earnings ratio is 16.25, which indicates a correct valuation of BANF.
Compared to the rest of the industry, the Price/Earnings ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 74.42% of the companies listed in the same industry.
BANF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.40.
The Price/Forward Earnings ratio is 15.51, which indicates a correct valuation of BANF.
75.45% of the companies in the same industry are cheaper than BANF, based on the Price/Forward Earnings ratio.
BANF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.25 | ||
| Fwd PE | 15.51 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than 68.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)1.69
EPS Next 2Y6.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BANF has a Yearly Dividend Yield of 1.71%.
Compared to an average industry Dividend Yield of 3.63, BANF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.36, BANF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
5.2 History
The dividend of BANF is nicely growing with an annual growth rate of 7.69%!
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
5.3 Sustainability
25.66% 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.
DP25.66%
EPS Next 2Y6.34%
EPS Next 3YN/A
112.93
-1.75 (-1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.59%
Inst Owner Change0.04%
Ins Owners3.88%
Ins Owner Change0.23%
Market Cap3.76B
Analysts47.5
Price Target135.32 (19.83%)
Short Float %3.38%
Short Ratio6.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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)0%
PT rev (3m)9.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.74%
EPS NY rev (1m)0%
EPS NY rev (3m)7.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.25 | ||
| Fwd PE | 15.51 | ||
| P/S | 5.69 | ||
| P/FCF | 18.41 | ||
| P/OCF | 15.06 | ||
| P/B | 2.18 | ||
| P/tB | 2.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.95
EY6.15%
EPS(NY)7.28
Fwd EY6.45%
FCF(TTM)6.14
FCFY5.43%
OCF(TTM)7.5
OCFY6.64%
SpS19.84
BVpS51.88
TBVpS46.06
PEG (NY)1.16
PEG (5Y)1.69
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
WACC14%
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%