BANF Stock Analysis: BancFirst | NASDAQ

Banks - Regional | NASDAQ, USA | Market Cap: 3.839m USD | 12M Return: -10.1% | Charts, Fundamentals & Technical Analysis

Commercial Banking, Deposit Accounts, Real Estate Loans, Trust Services
Total Rating 35
Safety 60
Buy Signal -0.26
Banks - Regional
Industry Rotation: +3.8
Market Cap: 3.84B
Avg Turnover: 23.4M
Risk 3d forecast
Volatility29.3%
VaR 5th Pctl4.64%
VaR vs Median-3.77%
Reward TTM
Sharpe Ratio-0.42
Rel. Str. IBD22.6
Rel. Str. Peer Group1.8
Character TTM
Beta0.649
Beta Downside0.620
Hurst Exponent0.428
Drawdowns 3y
Max DD23.63%
CAGR/Max DD0.37
CAGR/Mean DD0.78
EPS (Earnings per Share) EPS (Earnings per Share) of BANF over the last years for every Quarter: "2021-06": 1.45, "2021-09": 1.16, "2021-12": 1.15, "2022-03": 1.08, "2022-06": 1.34, "2022-09": 1.65, "2022-12": 1.7, "2023-03": 1.72, "2023-06": 1.64, "2023-09": 1.52, "2023-12": 1.46, "2024-03": 1.5, "2024-06": 1.51, "2024-09": 1.75, "2024-12": 1.68, "2025-03": 1.67, "2025-06": 1.85, "2025-09": 1.85, "2025-12": 1.75, "2026-03": 1.85,
EPS CAGR: 4.79%
EPS Trend: 66.7%
Last SUE: 1.09
Qual. Beats: 1
Revenue Revenue of BANF over the last years for every Quarter: 2021-06: 129.562, 2021-09: 122.995, 2021-12: 124.541, 2022-03: 122.169, 2022-06: 134.094, 2022-09: 163.343, 2022-12: 183.961, 2023-03: 193.274, 2023-06: 198.792, 2023-09: 204.674, 2023-12: 212.604, 2024-03: 216.543, 2024-06: 222.409, 2024-09: 236.362, 2024-12: 233.4, 2025-03: 231.37, 2025-06: 236.475, 2025-09: 175.481, 2025-12: 181, 2026-03: 241.571,
Rev. CAGR: 4.61%
Rev. Trend: 57.7%
Last SUE: 0.79
Qual. Beats: 0

Warnings

Choppy

Tailwinds

Seasonal Tailwind
Confidence

Seasonality 10.5 years of data

Jan -0.6% 0
Feb -0.5% 14
Mar -4.7% 28
Apr +3.0% 27
May -2.4% 12
Jun +1.1% 2
Jul +4.8% 59
Aug -1.8% 32
Sep -5.6% 27
Oct +0.4% 8
Nov +1.3% 22
Dec -4.4% 10

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: BANF BancFirst

BancFirst Corporation is a bank holding company headquartered in Oklahoma City that provides commercial banking services to retail customers and small to medium-sized businesses, primarily across non-metropolitan trade centers and metropolitan statistical areas in Oklahoma. The company operates through several divisions, including BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services, reflecting a community banking model that pairs local branch networks with specialized lending units.

The company offers a full suite of deposit products, such as checking, savings, money market, health savings, individual retirement, and sweep accounts, along with certificates of deposit and overdraft services. Its lending activities span commercial real estate, construction and development, agricultural, residential, oil and gas, commercial and industrial, energy, and consumer loans, including auto and home equity products.

In addition to traditional banking, BancFirst provides trust and investment management services for individuals, corporations, and employee benefit plans, and acts as bond trustee and paying agent for Oklahoma municipalities. The company also delivers correspondent banking, item processing, cash management, and commercial and personal insurance products, supporting both consumer and institutional clients within its regional footprint.

Headlines to Watch Out For
  • Net interest margin compresses as Fed cuts rates
  • Oklahoma commercial real estate loan portfolio faces credit cycle risk
  • Energy lending exposure tied to oil and gas price volatility
  • Mortgage banking revenue declines on higher rate environment
Piotroski VR-10 (Strict) 3.0
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 69.16%; Δ 14.34% > 0.5%)
Asset Turnover: 5.72% > 50% (prev 6.58%; Δ -0.85% > 0%)
Interest Coverage Ratio: 1.01 > 6 (EBIT TTM 309.5m / Interest Expense TTM 305.9m)
Altman Z'' -2.33
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: 0.14 (Book Value of Equity 1.90b / Total Liabilities 13.2b)
Altman-Z'' = -2.33 = D
What is the price of BANF shares?

As of July 08, 2026, the stock is trading at USD 114.32 with a total of 118,353 shares traded. Over the past week, the price has changed by +2.27%, over one month by +3.67%, over three months by +3.76% and over the past year by -10.07%.

Current recommended Stop Loss: 110.80 (which is 3.1% or 1.2 ATR below the current price).

Is BANF a buy, sell or hold?

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

What are the forecasts/targets for the BANF price?
Analysts Target Price 124.3 8.8%
BancFirst (BANF) - Fundamental Data Overview as of 08 July 2026
Market Cap USD = 3.84b (3.84b USD * 1.0 USD.USD)
P/E Trailing = 15.6361
P/E Forward = 18.9753
P/S = 5.4955
P/B = 2.0126
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 = 3.84b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.01 (Ebit TTM 309.5m / Interest Expense TTM 305.9m)
EV/FCF = 16.24x (Enterprise Value 3.84b / FCF TTM 236.4m)
FCF Yield = 6.16% (FCF TTM 236.4m / Enterprise Value 3.84b)
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 = 0.25 (Enterprise Value 3.84b / Total Assets 15.1b)
 Interest Expense / Debt = 302.2% (Interest Expense 305.9m / Debt 101.2m)
 Taxrate = 21.21% (66.6m / 314.1m)
NOPAT = 243.9m (EBIT 309.5m * (1 - 21.21%))
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 = 11.22% (NOPAT 243.9m / Invested Capital 2.17b)
WACC = 8.06% (E(3.84b)/V(3.94b) * Re(8.27%) + (debt cost/tax rate unavailable))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 0.72%
[DCF] Terminal Value 75.57% ; FCFF base≈235.5m ; Y1≈238.4m ; Y5≈256.6m
[DCF] Fair Price = 281.5 (EV 3.98b - Net Debt -5.47b = Equity 9.45b / Shares 33.6m; r=8.35% [WACC [floored]]; 5y FCF grow 0.97% → 2.50% )
EPS Correlation: 66.66 | EPS CAGR: 4.79% | SUE: 1.09 | # 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=+0.00% | Revisions=+50% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.86 | Chg30d=+0.00% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=7.39 | Chg30d=+1.26% | Revisions=+40% | GrowthEPS=+4.0% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=7.67 | Chg30d=+4.83% | Revisions=+40% | GrowthEPS=+3.7% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: +77% (up=10, down=0)