BANCFIRST CORP (BANF) Stock Fundamental Analysis
NASDAQ:BANF - Nasdaq - US05945F1030 - Common Stock - Currency: USD
Overall BANF gets a fundamental rating of 4 out of 10. We evaluated BANF against 398 industry peers in the Banks industry. BANF has an average financial health and profitability rating. 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.
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.
1.2 Ratios
With an excellent Return On Assets value of 1.60%, BANF belongs to the best of the industry, outperforming 92.96% of the companies in the same industry.
BANF has a Return On Equity of 13.35%. This is amongst the best in the industry. BANF outperforms 87.94% 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 90.95% 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 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
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
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.
With an excellent Debt to FCF ratio value of 0.38, BANF belongs to the best of the industry, outperforming 84.17% 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 Debt to Equity ratio of 0.05. This is amongst the best in the industry. BANF outperforms 80.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.01% 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.
Looking at the last year, BANF shows a small growth in Revenue. The Revenue has grown by 6.87% in the last year.
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)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 1.88% on average per year.
The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y1.58%
EPS Next 2Y1.88%
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.
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
Based on the Price/Earnings ratio of 18.01, the valuation of BANF can be described as rather expensive.
78.39% of the companies in the same industry are cheaper than BANF, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.75, BANF is valued a bit cheaper.
With a Price/Forward Earnings ratio of 17.81, BANF is valued on the expensive side.
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 76.38% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.49. BANF is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.01 | ||
| Fwd PE | 17.81 |
4.2 Price Multiples
69.85% of the companies in the same industry are cheaper than BANF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.62 | ||
| 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)11.41
PEG (5Y)1.87
EPS Next 2Y1.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.54%, BANF has a reasonable but not impressive dividend return.
BANF's Dividend Yield is slightly below the industry average, which is at 3.52.
BANF's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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 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
5.3 Sustainability
BANF pays out 26.70% 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.
DP26.7%
EPS Next 2Y1.88%
EPS Next 3YN/A
119.03
+1.21 (+1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.61%
Inst Owner Change0.48%
Ins Owners2.31%
Ins Owner Change-0.31%
Market Cap3.96B
Analysts47.5
Price Target123.42 (3.69%)
Short Float %2.71%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP26.7%
Div Incr Years26
Div Non Decr Years28
Ex-Date
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)-3.71%
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)1.45%
Revenue NY rev (3m)2.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.01 | ||
| Fwd PE | 17.81 | ||
| P/S | 6.27 | ||
| P/FCF | 17.62 | ||
| P/OCF | 15.15 | ||
| P/B | 2.44 | ||
| P/tB | 2.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.61
EY5.55%
EPS(NY)6.68
Fwd EY5.62%
FCF(TTM)6.76
FCFY5.68%
OCF(TTM)7.86
OCFY6.6%
SpS19
BVpS48.77
TBVpS42.89
PEG (NY)11.41
PEG (5Y)1.87
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
WACC13.9%
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)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 1Y6.65%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y12.08%
OCF growth 3Y8.61%
OCF growth 5Y10.44%