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BANCFIRST CORP (BANF) Stock Fundamental Analysis

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

123.705  -0.33 (-0.27%)

After market: 123.705 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. Both the profitability and the financial health of BANF get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, BANF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

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.
BANF had positive earnings in each of the past 5 years.
BANF had a positive operating cash flow in each of the past 5 years.
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

BANF's Return On Assets of 1.58% is amongst the best of the industry. BANF outperforms 91.90% 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 87.59% 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

Looking at the Profit Margin, with a value of 34.42%, BANF belongs to the top of the industry, outperforming 90.63% of the companies in the same industry.
In the last couple of years the Profit Margin of BANF has remained more or less at the same level.
BANF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
BANF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BANF has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 0.37, BANF belongs to the top of the industry, outperforming 84.05% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
BANF has a better Debt to Equity ratio (0.05) than 80.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC13.93%
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.
The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.
The Revenue has been growing slightly by 6.87% in the past year.
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.
BANF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.60% yearly.
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

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

BANF is valuated rather expensively with a Price/Earnings ratio of 18.71.
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 26.25, BANF is valued a bit cheaper.
With a Price/Forward Earnings ratio of 18.04, BANF is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than 77.72% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.15. BANF is around the same levels.
Industry RankSector Rank
PE 18.71
Fwd PE 18.04
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

Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than 70.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.56
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)3.11
PEG (5Y)1.95
EPS Next 2Y3.2%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.48%, BANF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.45, BANF is paying slightly less dividend.
BANF's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.48%

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 Years26
Div Non Decr Years28
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 (5/30/2025, 8:00:01 PM)

After market: 123.705 0 (0%)

123.705

-0.33 (-0.27%)

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 Change2.13%
Ins Owners2.31%
Ins Owner Change0.13%
Market Cap4.11B
Analysts47.5
Price Target123.42 (-0.23%)
Short Float %2.88%
Short Ratio5.95
Dividend
Industry RankSector Rank
Dividend Yield 1.48%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP26.51%
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)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)5.57%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)4.37%
EPS NY rev (3m)5.91%
Revenue NQ rev (1m)1.11%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.45%
Valuation
Industry RankSector Rank
PE 18.71
Fwd PE 18.04
P/S 6.37
P/FCF 17.56
P/OCF 15.13
P/B 2.46
P/tB 2.78
EV/EBITDA N/A
EPS(TTM)6.61
EY5.34%
EPS(NY)6.86
Fwd EY5.54%
FCF(TTM)7.04
FCFY5.69%
OCF(TTM)8.18
OCFY6.61%
SpS19.41
BVpS50.33
TBVpS44.47
PEG (NY)3.11
PEG (5Y)1.95
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
WACC13.93%
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%