BANCFIRST CORP (BANF) Fundamental Analysis & Valuation

NASDAQ:BANF • US05945F1030

Current stock price

112.61 USD
+1 (+0.9%)
At close:
112.61 USD
0 (0%)
After Hours:

This BANF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. BANF Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • BANF has a Return On Assets of 1.62%. This is amongst the best in the industry. BANF outperforms 90.43% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.98%, BANF belongs to the top of the industry, outperforming 86.17% of the companies in the same industry.
Industry RankSector Rank
ROA 1.62%
ROE 12.98%
ROIC N/A
ROA(3y)1.64%
ROA(5y)1.66%
ROE(3y)13.71%
ROE(5y)14.18%
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

  • Looking at the Profit Margin, with a value of 34.84%, BANF belongs to the top of the industry, outperforming 90.43% of the companies in the same industry.
  • 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) 34.84%
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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3

2. BANF Health Analysis

2.1 Basic Checks

  • BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BANF has been increased compared to 1 year ago.
  • BANF has more shares outstanding than it did 5 years ago.
  • BANF has a worse debt/assets ratio than last year.
BANF Yearly Shares OutstandingBANF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B

2.2 Solvency

  • The Debt to FCF ratio of BANF is 0.46, which is an excellent value as it means it would take BANF, only 0.46 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BANF (0.46) is better than 81.65% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that BANF is not too dependend on debt financing.
  • BANF's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. BANF outperforms 78.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACCN/A
WACC14.27%
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 2025 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 2025 50M 100M 150M 200M

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

5

3. BANF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.44% over the past year.
  • The Earnings Per Share has been growing by 18.87% on average over the past years. This is quite good.
  • The Revenue has grown by 9.22% in the past year. This is quite good.
  • BANF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.24% yearly.
EPS 1Y (TTM)10.44%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%10.78%
Revenue 1Y (TTM)9.22%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%8.59%

3.2 Future

  • BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.11% yearly.
  • Based on estimates for the next years, BANF will show a small growth in Revenue. The Revenue will grow by 4.10% on average per year.
EPS Next Y0.3%
EPS Next 2Y1.11%
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

  • 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.
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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2

4. BANF Valuation Analysis

4.1 Price/Earnings Ratio

  • BANF is valuated correctly with a Price/Earnings ratio of 15.43.
  • 73.94% of the companies in the same industry are cheaper than BANF, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BANF to the average of the S&P500 Index (26.51), we can say BANF is valued slightly cheaper.
  • BANF is valuated correctly with a Price/Forward Earnings ratio of 15.47.
  • Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than 77.66% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.41. BANF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.43
Fwd PE 15.47
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 the industry average as 65.96% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.96
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)50.61
PEG (5Y)0.82
EPS Next 2Y1.11%
EPS Next 3YN/A

More info and screens

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

5

5. BANF Dividend Analysis

5.1 Amount

  • BANF has a Yearly Dividend Yield of 1.76%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.56, BANF is paying slightly less dividend.
  • BANF's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.76%

5.2 History

  • On average, the dividend of BANF grows each year by 7.67%, which is quite nice.
  • BANF has paid a dividend for at least 10 years, which is 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)7.67%
Div Incr Years28
Div Non Decr Years30
BANF Yearly Dividends per shareBANF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 25.85% 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.
DP25.85%
EPS Next 2Y1.11%
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

More info and screens

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BANF Fundamentals: All Metrics, Ratios and Statistics

BANCFIRST CORP

NASDAQ:BANF (5/1/2026, 8:10:53 PM)

After market: 112.61 0 (0%)

112.61

+1 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength68.94
Industry Growth91.3
Earnings (Last)04-16
Earnings (Next)07-15
Inst Owners57.36%
Inst Owner Change-0.46%
Ins Owners3.92%
Ins Owner Change-5.37%
Market Cap3.78B
Revenue(TTM)704.78M
Net Income(TTM)240.61M
Analysts47.5
Price Target126.82 (12.62%)
Short Float %4.35%
Short Ratio6.86
Dividend
Industry RankSector Rank
Dividend Yield 1.76%
Yearly Dividend1.86
Dividend Growth(5Y)7.67%
DP25.85%
Div Incr Years28
Div Non Decr Years30
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.23%
Min EPS beat(2)-3.95%
Max EPS beat(2)-2.51%
EPS beat(4)2
Avg EPS beat(4)1.83%
Min EPS beat(4)-3.95%
Max EPS beat(4)10.15%
EPS beat(8)6
Avg EPS beat(8)3.5%
EPS beat(12)9
Avg EPS beat(12)2.66%
EPS beat(16)12
Avg EPS beat(16)4.36%
Revenue beat(2)1
Avg Revenue beat(2)0.18%
Min Revenue beat(2)-1.77%
Max Revenue beat(2)2.13%
Revenue beat(4)2
Avg Revenue beat(4)0.41%
Min Revenue beat(4)-1.77%
Max Revenue beat(4)2.13%
Revenue beat(8)5
Avg Revenue beat(8)0.3%
Revenue beat(12)6
Avg Revenue beat(12)-0.17%
Revenue beat(16)9
Avg Revenue beat(16)0.41%
PT rev (1m)0.54%
PT rev (3m)2.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 15.43
Fwd PE 15.47
P/S 5.48
P/FCF 15.96
P/OCF 13.26
P/B 2.04
P/tB 2.29
EV/EBITDA N/A
EPS(TTM)7.3
EY6.48%
EPS(NY)7.28
Fwd EY6.46%
FCF(TTM)7.06
FCFY6.27%
OCF(TTM)8.5
OCFY7.54%
SpS20.57
BVpS55.22
TBVpS49.14
PEG (NY)50.61
PEG (5Y)0.82
Graham Number95.2318 (-15.43%)
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 12.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.84%
GM N/A
FCFM 34.31%
ROA(3y)1.64%
ROA(5y)1.66%
ROE(3y)13.71%
ROE(5y)14.18%
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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.46
Debt/EBITDA N/A
Cap/Depr 214.32%
Cap/Sales 7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.27%
ROIC/WACCN/A
Cap/Depr(3y)161.6%
Cap/Depr(5y)142.26%
Cap/Sales(3y)5.5%
Cap/Sales(5y)5.13%
Profit Quality(3y)100.46%
Profit Quality(5y)102.74%
High Growth Momentum
Growth
EPS 1Y (TTM)10.44%
EPS 3Y7.26%
EPS 5Y18.87%
EPS Q2Q%10.78%
EPS Next Y0.3%
EPS Next 2Y1.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.22%
Revenue growth 3Y7.41%
Revenue growth 5Y9.24%
Sales Q2Q%8.59%
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 1Y5.53%
FCF growth 3Y4.69%
FCF growth 5Y21.77%
OCF growth 1Y9.22%
OCF growth 3Y8.03%
OCF growth 5Y12.99%

BANCFIRST CORP / BANF Fundamental Analysis 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.


What is the profitability of BANF stock?

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


Can you provide the PE and PB ratios for BANF stock?

The Price/Earnings (PE) ratio for BANCFIRST CORP (BANF) is 15.43 and the Price/Book (PB) ratio is 2.04.


Can you provide the expected EPS growth for BANF stock?

The Earnings per Share (EPS) of BANCFIRST CORP (BANF) is expected to grow by 0.3% in the next year.