(BANF) BancFirst - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.620m USD | Total Return: -8.6% in 12m
Avg Turnover: 14.2M
EPS Trend: 66.7%
Qual. Beats: 1
Rev. Trend: 57.7%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
BancFirst Corporation (BANF) is a regional bank holding company headquartered in Oklahoma City, providing comprehensive commercial and retail banking services across Oklahoma. The company operates through several specialized segments, including Metropolitan and Community Banks, Pegasus, and Worthington. Its service portfolio encompasses traditional deposit accounts, trust management, investment administration, and diverse lending activities ranging from commercial real estate and agriculture to energy and consumer loans.
The regional banking sector typically relies on net interest margin-the difference between interest earned on loans and interest paid on deposits-as a primary revenue driver. BancFirst specifically focuses on the Oklahoma market, utilizing a community-based business model that integrates localized decision-making with the resources of a larger financial institution. Investors may find it useful to examine ValueRay for further analysis of regional banking trends. Beyond core banking, the firm maintains diversified income streams through insurance product sales and correspondent banking services for other financial institutions and governmental units.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Energy sector loan demand influenced by regional oil and gas price volatility
- Commercial real estate exposure impacts asset quality and provision for credit losses
- Dominant Oklahoma market share enables low-cost core deposit funding stability
- Strategic acquisitions of community banks drive inorganic asset and revenue growth
| Net Income: 247.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.10 > 1.0 |
| NWC/Revenue: -822.5% < 20% (prev -846.4%; Δ 23.92% < -1%) |
| CFO/TA 0.02 > 3% & CFO 284.2m > Net Income 247.5m |
| Net Debt (-5.47b) to EBITDA (332.1m): -16.47 < 3 |
| Current Ratio: 0.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.0m) vs 12m ago 1.07% < -2% |
| Gross Margin: 83.50% > 18% (prev 0.69%; Δ 8.28k% > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 6.58%; Δ -0.85% > 0%) |
| Interest Coverage Ratio: 1.01 > 6 (EBITDA TTM 332.1m / Interest Expense TTM 305.9m) |
| A: -0.45 (Total Current Assets 6.05b - Total Current Liabilities 12.9b) / Total Assets 15.1b |
| B: 0.11 (Retained Earnings 1.66b / Total Assets 15.1b) |
| C: 0.02 (EBIT TTM 309.5m / Avg Total Assets 14.6b) |
| D: 0.13 (Book Value of Equity 1.68b / Total Liabilities 13.2b) |
| Altman-Z'' = -2.35 = D |
As of May 24, 2026, the stock is trading at USD 111.31 with a total of 76,779 shares traded.
Over the past week, the price has changed by +4.22%,
over one month by -2.31%,
over three months by +1.09% and
over the past year by -8.60%.
BancFirst has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BANF.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 124.3 | 11.7% |
P/E Forward = 18.1488
P/S = 5.182
P/B = 1.8842
P/EG = 2.0928
Revenue TTM = 834.5m USD
EBIT TTM = 309.5m USD
EBITDA TTM = 332.1m USD
Long Term Debt = 86.2m USD (from longTermDebt, last quarter)
Short Term Debt = 15.1m USD (from shortTermDebt, last quarter)
Debt = 101.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.47b USD (calculated: Debt 101.2m - CCE 5.57b)
Enterprise Value = 3.62b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.01 (Ebit TTM 309.5m / Interest Expense TTM 305.9m)
EV/FCF = 15.31x (Enterprise Value 3.62b / FCF TTM 236.4m)
FCF Yield = 6.53% (FCF TTM 236.4m / Enterprise Value 3.62b)
FCF Margin = 28.33% (FCF TTM 236.4m / Revenue TTM 834.5m)
Net Margin = 29.66% (Net Income TTM 247.5m / Revenue TTM 834.5m)
Gross Margin = 83.50% ((Revenue TTM 834.5m - Cost of Revenue TTM 137.7m) / Revenue TTM)
Gross Margin QoQ = 73.21% (prev none%)
Tobins Q-Ratio = 0.24 (Enterprise Value 3.62b / Total Assets 15.1b)
Interest Expense / Debt = 302.2% (Interest Expense 305.9m / Debt 101.2m)
Taxrate = 21.32% (17.1m / 80.1m)
NOPAT = 243.5m (EBIT 309.5m * (1 - 21.32%))
Current Ratio = 0.47 (Total Current Assets 6.05b / Total Current Liabilities 12.9b)
Debt / Equity = 0.05 (Debt 101.2m / totalStockholderEquity, last quarter 1.90b)
Debt / EBITDA = -16.47 (Net Debt -5.47b / EBITDA 332.1m)
Debt / FCF = -23.14 (Net Debt -5.47b / FCF TTM 236.4m)
Total Stockholder Equity = 1.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.70% (Net Income 247.5m / Total Assets 15.1b)
RoE = 13.62% (Net Income TTM 247.5m / Total Stockholder Equity 1.82b)
RoCE = 16.26% (EBIT 309.5m / Capital Employed (Equity 1.82b + L.T.Debt 86.2m))
RoIC = 11.19% (NOPAT 243.5m / Invested Capital 2.18b)
WACC = 8.47% (E(3.62b)/V(3.72b) * Re(8.71%) + (debt cost/tax rate unavailable))
Discount Rate = 8.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 0.72%
[DCF] Terminal Value 75.14% ; FCFF base≈235.5m ; Y1≈238.4m ; Y5≈256.6m
[DCF] Fair Price = 279.0 (EV 3.90b - Net Debt -5.47b = Equity 9.37b / Shares 33.6m; r=8.47% [WACC]; 5y FCF grow 0.97% → 2.50% )
EPS Correlation: 66.66 | EPS CAGR: 4.79% | SUE: 0.92 | # QB: 1
Revenue Correlation: 57.68 | Revenue CAGR: 4.61% | SUE: 0.79 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.80 | Chg30d=+4.05% | Revisions=+43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.86 | Chg30d=+5.28% | Revisions=+43% | Analysts=3
EPS current Year (2026-12-31): EPS=7.30 | Chg30d=+4.28% | Revisions=+43% | GrowthEPS=+2.7% | GrowthRev=+4.5%
EPS next Year (2027-12-31): EPS=7.32 | Chg30d=+2.52% | Revisions=+43% | GrowthEPS=+0.2% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +43%