BANCFIRST CORP (BANF) Stock Fundamental Analysis

NASDAQ:BANF • US05945F1030

113.01 USD
+3.01 (+2.74%)
At close: Mar 2, 2026
113.01 USD
0 (0%)
After Hours: 3/2/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BANF scores 4 out of 10 in our fundamental rating. BANF was compared to 379 industry peers in the Banks industry. There are concerns on the financial health of BANF while its profitability can be described as average. While showing a medium growth rate, BANF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year BANF was profitable.
  • BANF had a positive operating cash flow in the past year.
  • Each year in the past 5 years BANF has been profitable.
  • BANF had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • With an excellent Return On Assets value of 1.67%, BANF belongs to the best of the industry, outperforming 92.35% of the companies in the same industry.
  • The Return On Equity of BANF (13.33%) is better than 88.65% of its industry peers.
Industry RankSector Rank
ROA 1.67%
ROE 13.33%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BANF Yearly ROA, ROE, ROICBANF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BANF has a better Profit Margin (35.33%) than 91.56% of its industry peers.
  • BANF's Profit Margin has improved in the last couple of years.
  • 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) 35.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.19%
PM growth 5Y9.2%
GM growth 3YN/A
GM growth 5YN/A
BANF Yearly Profit, Operating, Gross MarginsBANF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for BANF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BANF Yearly Shares OutstandingBANF Yearly Shares OutstandingYearly Shares Outstanding 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 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 0.50, which is an excellent value as it means it would take BANF, only 0.50 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.50, BANF belongs to the best of the industry, outperforming 80.47% of the companies in the same industry.
  • A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.05, BANF is in the better half of the industry, outperforming 79.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
BANF Yearly LT Debt VS Equity VS FCFBANF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.56% over the past year.
  • Measured over the past years, BANF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.87% on average per year.
  • The Revenue has grown by 9.37% in the past year. This is quite good.
  • Measured over the past years, BANF shows a quite strong growth in Revenue. The Revenue has been growing by 9.24% on average per year.
EPS 1Y (TTM)10.56%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%4.17%
Revenue 1Y (TTM)9.37%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%11.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.55% on average over the next years.
  • BANF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.
EPS Next Y0.46%
EPS Next 2Y1.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.27%
Revenue Next 2Y4.1%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
BANF Yearly EPS VS EstimatesBANF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • BANF is valuated correctly with a Price/Earnings ratio of 15.87.
  • Based on the Price/Earnings ratio, BANF is valued a bit more expensive than 75.20% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BANF to the average of the S&P500 Index (27.13), we can say BANF is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 15.80, the valuation of BANF can be described as correct.
  • BANF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 75.20% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, BANF is valued a bit cheaper.
Industry RankSector Rank
PE 15.87
Fwd PE 15.8
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 71.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.37
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)34.51
PEG (5Y)0.84
EPS Next 2Y1.55%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BANF has a Yearly Dividend Yield of 1.70%.
  • Compared to an average industry Dividend Yield of 2.73, BANF is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, BANF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

  • On average, the dividend of BANF grows each year by 7.69%, which is quite nice.
  • 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 Years27
Div Non Decr Years29
BANF Yearly Dividends per shareBANF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • BANF pays out 25.72% 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.
DP25.72%
EPS Next 2Y1.55%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
BANF Dividend Payout.BANF Dividend Payout, showing the Payout Ratio.BANF Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BANCFIRST CORP

NASDAQ:BANF (3/2/2026, 4:30:02 PM)

After market: 113.01 0 (0%)

113.01

+3.01 (+2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners57.64%
Inst Owner Change-1.23%
Ins Owners3.88%
Ins Owner Change-5.38%
Market Cap3.79B
Revenue(TTM)690.63M
Net Income(TTM)237.59M
Analysts45.71
Price Target126.14 (11.62%)
Short Float %3.37%
Short Ratio6.39
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP25.72%
Div Incr Years27
Div Non Decr Years29
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.82%
Min EPS beat(2)-2.51%
Max EPS beat(2)10.15%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-2.51%
Max EPS beat(4)10.15%
EPS beat(8)7
Avg EPS beat(8)4.47%
EPS beat(12)9
Avg EPS beat(12)2.73%
EPS beat(16)13
Avg EPS beat(16)4.86%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-1.77%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.32%
Min Revenue beat(4)-1.77%
Max Revenue beat(4)1.32%
Revenue beat(8)5
Avg Revenue beat(8)0.14%
Revenue beat(12)5
Avg Revenue beat(12)-0.38%
Revenue beat(16)9
Avg Revenue beat(16)0.52%
PT rev (1m)1.64%
PT rev (3m)1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)-0.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 15.87
Fwd PE 15.8
P/S 5.64
P/FCF 19.37
P/OCF 15.31
P/B 2.13
P/tB 2.38
EV/EBITDA N/A
EPS(TTM)7.12
EY6.3%
EPS(NY)7.15
Fwd EY6.33%
FCF(TTM)5.84
FCFY5.16%
OCF(TTM)7.38
OCFY6.53%
SpS20.05
BVpS53.15
TBVpS47.41
PEG (NY)34.51
PEG (5Y)0.84
Graham Number92.28
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 13.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.33%
GM N/A
FCFM 29.1%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.19%
PM growth 5Y9.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Debt/EBITDA N/A
Cap/Depr 232.62%
Cap/Sales 7.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 82.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.56%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%4.17%
EPS Next Y0.46%
EPS Next 2Y1.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%11.09%
Revenue Next Year4.27%
Revenue Next 2Y4.1%
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-24.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-13.66%
OCF growth 3YN/A
OCF growth 5YN/A

BANCFIRST CORP / BANF FAQ

What is the fundamental rating for BANF stock?

ChartMill assigns a fundamental rating of 4 / 10 to BANF.


What is the valuation status for BANF stock?

ChartMill assigns a valuation rating of 2 / 10 to BANCFIRST CORP (BANF). This can be considered as Overvalued.


Can you provide the profitability details for BANCFIRST CORP?

BANCFIRST CORP (BANF) has a profitability rating of 5 / 10.


What is the financial health of BANCFIRST CORP (BANF) stock?

The financial health rating of BANCFIRST CORP (BANF) is 3 / 10.


What is the earnings growth outlook for BANCFIRST CORP?

The Earnings per Share (EPS) of BANCFIRST CORP (BANF) is expected to grow by 0.46% in the next year.