BANCFIRST CORP(NASDAQ:BANF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 398 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.

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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.

1.2 Ratios

BANF has a Return On Assets of 1.60%. This is amongst the best in the industry. BANF outperforms 92.71% of its industry peers.

The Return On Equity of BANF (13.35%) is better than 87.44% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.6%
ROE	13.35%
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 (34.26%) than 90.70% 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)	34.26%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

BANF has more shares outstanding than it did 5 years ago.

The debt/assets ratio for BANF has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BANF is 0.38, which is an excellent value as it means it would take BANF, only 0.38 years of fcf income to pay off all of its debts.

BANF has a better Debt to FCF ratio (0.38) than 85.93% 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.

The Debt to Equity ratio of BANF (0.05) is better than 82.16% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.38
Altman-Z	N/A

ROIC/WACCN/A

WACC14.31%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BANF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.01%, which is quite good.

The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.

Looking at the last year, BANF shows a small growth in Revenue. The Revenue has grown by 3.54% in the last year.

The Revenue has been growing by 8.54% on average over the past years. This is quite good.

EPS 1Y (TTM)8.01%

EPS 3Y8.59%

EPS 5Y9.61%

EPS Q2Q%11.33%

Revenue 1Y (TTM)3.54%

Revenue growth 3Y9.14%

Revenue growth 5Y8.54%

Sales Q2Q%9.16%

3.2 Future

BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.88% yearly.

BANF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.20% yearly.

EPS Next Y1.58%

EPS Next 2Y1.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.96%

Revenue Next 2Y4.2%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.11, BANF is valued on the expensive side.

Based on the Price/Earnings ratio, BANF is valued a bit more expensive than the industry average as 76.13% of the companies are valued more cheaply.

BANF is valuated rather cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 16.92, BANF is valued correctly.

Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than 74.37% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, BANF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	17.11
Fwd PE	16.92

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than the industry average as 67.84% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	16.74
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)10.84

PEG (5Y)1.78

EPS Next 2Y1.88%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BANF has a Yearly Dividend Yield of 1.68%.

BANF's Dividend Yield is slightly below the industry average, which is at 3.66.

BANF's Dividend Yield is slightly below the S&P500 average, which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	1.68%

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 Years26

Div Non Decr Years28

5.3 Sustainability

26.70% 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.

DP26.7%

EPS Next 2Y1.88%

EPS Next 3YN/A

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BANCFIRST CORP

NASDAQ:BANF (4/21/2025, 4:30:02 PM)

After market: 113.08 0 (0%)

113.08

+3.54 (+3.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners55.61%

Inst Owner Change0.49%

Ins Owners2.31%

Ins Owner Change-1.37%

Market Cap3.76B

Analysts47.5

Price Target128.18 (13.35%)

Short Float %2.15%

Short Ratio4.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.68%

Yearly Dividend1.75

Dividend Growth(5Y)7.69%

DP26.7%

Div Incr Years26

Div Non Decr Years28

Ex-Date03-31 2025-03-31 (0.46)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.24%

Min EPS beat(2)1.67%

Max EPS beat(2)8.82%

EPS beat(4)4

Avg EPS beat(4)5.17%

Min EPS beat(4)1.67%

Max EPS beat(4)8.82%

EPS beat(8)7

Avg EPS beat(8)3.08%

EPS beat(12)10

Avg EPS beat(12)5.2%

EPS beat(16)13

Avg EPS beat(16)7.17%

Revenue beat(2)1

Avg Revenue beat(2)-0.04%

Min Revenue beat(2)-0.81%

Max Revenue beat(2)0.72%

Revenue beat(4)3

Avg Revenue beat(4)0.18%

Min Revenue beat(4)-0.81%

Max Revenue beat(4)0.72%

Revenue beat(8)4

Avg Revenue beat(8)-0.46%

Revenue beat(12)7

Avg Revenue beat(12)0.41%

Revenue beat(16)10

Avg Revenue beat(16)1.14%

PT rev (1m)0%

PT rev (3m)1.89%

EPS NQ rev (1m)0.21%

EPS NQ rev (3m)0.64%

EPS NY rev (1m)1.48%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)-0.03%

Revenue NQ rev (3m)0.92%

Revenue NY rev (1m)-0.08%

Revenue NY rev (3m)1.04%

Valuation

		Industry Rank	Sector Rank
PE	17.11
Fwd PE	16.92
P/S	5.95
P/FCF	16.74
P/OCF	14.39
P/B	2.32
P/tB	2.64
EV/EBITDA	N/A

EPS(TTM)6.61

EY5.85%

EPS(NY)6.68

Fwd EY5.91%

FCF(TTM)6.76

FCFY5.97%

OCF(TTM)7.86

OCFY6.95%

SpS19

BVpS48.77

TBVpS42.89

PEG (NY)10.84

PEG (5Y)1.78

Profitability

		Industry Rank	Sector Rank
ROA	1.6%
ROE	13.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.26%
GM	N/A
FCFM	35.56%

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-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.38
Debt/EBITDA	N/A
Cap/Depr	169.05%
Cap/Sales	5.8%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	103.79%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.31%

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)8.01%

EPS 3Y8.59%

EPS 5Y9.61%

EPS Q2Q%11.33%

EPS Next Y1.58%

EPS Next 2Y1.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.54%

Revenue growth 3Y9.14%

Revenue growth 5Y8.54%

Sales Q2Q%9.16%

Revenue Next Year3.96%

Revenue Next 2Y4.2%

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 1Y6.65%

FCF growth 3Y8.34%

FCF growth 5Y11.23%

OCF growth 1Y12.08%

OCF growth 3Y8.61%

OCF growth 5Y10.44%

BANCFIRST CORP (BANF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens