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BANCFIRST CORP (BANF) Stock Fundamental Analysis

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

123.37  +3.85 (+3.22%)

After market: 123.37 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 395 industry peers in the Banks industry. BANF has only an average score on both its financial health and profitability. BANF is valied quite expensively at the moment, while 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.
In the past year BANF had a positive cash flow from operations.
Each year in the past 5 years BANF has 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

Looking at the Return On Assets, with a value of 1.58%, BANF belongs to the top of the industry, outperforming 92.15% of the companies in the same industry.
BANF's Return On Equity of 13.28% is amongst the best of the industry. BANF outperforms 87.59% of its industry peers.
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 has a Profit Margin of 34.42%. This is amongst the best in the industry. BANF outperforms 90.38% of its industry peers.
In the last couple of years the Profit Margin of BANF has remained more or less at the same level.
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.
Compared to 1 year ago, BANF has more shares outstanding
The number of shares outstanding for BANF has been increased compared to 5 years ago.
The debt/assets ratio for BANF has been reduced compared to a year ago.
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

The Debt to FCF ratio of BANF is 0.37, which is an excellent value as it means it would take BANF, only 0.37 years of fcf income to pay off all of its debts.
BANF's Debt to FCF ratio of 0.37 is amongst the best of the industry. BANF outperforms 84.30% 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.
With an excellent Debt to Equity ratio value of 0.05, BANF belongs to the best of the industry, outperforming 80.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC13.92%
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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4

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.
Measured over the past years, BANF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.61% on average per year.
BANF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.87%.
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)8.01%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%11.33%
Revenue 1Y (TTM)6.87%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%9.16%

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 3.20% on average per year.
Based on estimates for the next years, BANF will show a small growth in Revenue. The Revenue will grow by 4.60% on average per year.
EPS Next Y6.01%
EPS Next 2Y3.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.55%
Revenue Next 2Y4.6%
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 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

A Price/Earnings ratio of 18.66 indicates a rather expensive valuation of BANF.
BANF's Price/Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 78.48% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.65, BANF is valued a bit cheaper.
The Price/Forward Earnings ratio is 17.99, which indicates a rather expensive current valuation of BANF.
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 77.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, BANF is valued at the same level.
Industry RankSector Rank
PE 18.66
Fwd PE 17.99
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

70.89% of the companies in the same industry are cheaper than BANF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.52
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)3.1
PEG (5Y)1.94
EPS Next 2Y3.2%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.55%, BANF has a reasonable but not impressive dividend return.
BANF's Dividend Yield is slightly below the industry average, which is at 3.61.
BANF's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 1.55%

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

26.51% 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.
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 (6/23/2025, 8:00:01 PM)

After market: 123.37 0 (0%)

123.37

+3.85 (+3.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-17 2025-07-17/amc
Inst Owners55.92%
Inst Owner Change2.13%
Ins Owners3.89%
Ins Owner Change0.18%
Market Cap4.10B
Analysts47.5
Price Target123.42 (0.04%)
Short Float %2.87%
Short Ratio6.56
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
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)-3.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)5.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.45%
Valuation
Industry RankSector Rank
PE 18.66
Fwd PE 17.99
P/S 6.36
P/FCF 17.52
P/OCF 15.09
P/B 2.45
P/tB 2.77
EV/EBITDA N/A
EPS(TTM)6.61
EY5.36%
EPS(NY)6.86
Fwd EY5.56%
FCF(TTM)7.04
FCFY5.71%
OCF(TTM)8.18
OCFY6.63%
SpS19.41
BVpS50.33
TBVpS44.47
PEG (NY)3.1
PEG (5Y)1.94
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
WACC13.92%
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 Y6.01%
EPS Next 2Y3.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.87%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%9.16%
Revenue Next Year5.55%
Revenue Next 2Y4.6%
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%