(BANF) BancFirst - Overview
Stock: Checking, Savings, Loans, Trust, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.64% |
| Yield on Cost 5y | 3.26% |
| Yield CAGR 5y | 7.93% |
| Payout Consistency | 99.1% |
| Payout Ratio | 26.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.0% |
| Relative Tail Risk | -14.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.06 |
| Alpha | -13.75 |
| Character TTM | |
|---|---|
| Beta | 0.763 |
| Beta Downside | 0.806 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.67% |
| CAGR/Max DD | 0.58 |
Description: BANF BancFirst January 10, 2026
BancFirst Corporation (NASDAQ: BANF) is a regional bank holding company headquartered in Oklahoma City. It operates a network of community and metropolitan banks, along with specialized units such as Pegasus and Worthington, delivering retail-banking services and commercial lending to small- and mid-size businesses across non-metropolitan trade centers and Oklahoma’s metro areas.
The firm’s product suite spans checking, savings, money-market, health-savings, and retirement accounts, as well as CDs, overdraft protection, and cash-management tools. On the loan side, BancFirst originates a diversified portfolio that includes owner-occupied and non-owner-occupied commercial real estate, construction, residential first-lien mortgages, agricultural, consumer, and energy (oil-and-gas) loans, complemented by private-banking and commercial-industrial financing.
As of the latest quarter (Q4 2023), BancFirst reported a net interest margin of roughly 4.2%, loan growth of 5% year-over-year, and deposit growth of 3%, supporting a return on equity near 10.5% and a Tier 1 capital ratio above 13%, indicating solid profitability and capital strength for a regional bank of its size (~$9 billion in assets). These figures are consistent with the broader trend of regional banks benefitting from a higher-for-longer interest-rate environment.
Key economic drivers for BANF include Oklahoma’s energy sector exposure-oil and gas loan performance is sensitive to commodity price cycles-and the state’s relatively strong employment growth, which underpins loan demand. Additionally, the Federal Reserve’s policy stance on rates directly impacts net interest margin, while competition from fintech and larger national banks pressures fee-based income.
For a deeper quantitative dive, consider checking ValueRay’s detailed valuation metrics for BANF.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 240.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.59 > 1.0 |
| NWC/Revenue: 523.0% < 20% (prev -862.2%; Δ 1385 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 247.6m > Net Income 240.6m |
| Net Debt (-4.31b) to EBITDA (325.9m): -13.23 < 3 |
| Current Ratio: 324.5 > 1.5 & < 3 |
| Outstanding Shares: last quarter (33.9m) vs 12m ago 0.46% < -2% |
| Gross Margin: 82.88% > 18% (prev 0.68%; Δ 8219 % > 0.5%) |
| Asset Turnover: 5.83% > 50% (prev 6.70%; Δ -0.87% > 0%) |
| Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 325.9m / Interest Expense TTM 309.9m) |
Altman Z'' 3.15
| A: 0.29 (Total Current Assets 4.32b - Total Current Liabilities 13.3m) / Total Assets 14.71b |
| B: 0.11 (Retained Earnings 1.57b / Total Assets 14.71b) |
| C: 0.02 (EBIT TTM 303.4m / Avg Total Assets 14.13b) |
| D: 0.70 (Book Value of Equity 6.04b / Total Liabilities 8.67b) |
| Altman-Z'' Score: 3.15 = A |
What is the price of BANF shares?
Over the past week, the price has changed by +8.27%, over one month by +9.69%, over three months by +10.22% and over the past year by -1.78%.
Is BANF a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BANF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 124 | 4.2% |
| Analysts Target Price | 124 | 4.2% |
| ValueRay Target Price | 131.3 | 10.3% |
BANF Fundamental Data Overview February 01, 2026
P/E Forward = 18.9753
P/S = 5.3837
P/B = 1.9889
P/EG = 2.08
Revenue TTM = 824.3m USD
EBIT TTM = 303.4m USD
EBITDA TTM = 325.9m USD
Long Term Debt = 86.2m USD (from longTermDebt, two quarters ago)
Short Term Debt = 13.3m USD (from shortTermDebt, last quarter)
Debt = 13.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.31b USD (from netDebt column, last quarter)
Enterprise Value = -623.6m USD (3.69b + Debt 13.3m - CCE 4.32b)
Interest Coverage Ratio = 0.98 (Ebit TTM 303.4m / Interest Expense TTM 309.9m)
EV/FCF = -3.19x (Enterprise Value -623.6m / FCF TTM 195.7m)
FCF Yield = -31.39% (FCF TTM 195.7m / Enterprise Value -623.6m)
FCF Margin = 23.74% (FCF TTM 195.7m / Revenue TTM 824.3m)
Net Margin = 29.19% (Net Income TTM 240.6m / Revenue TTM 824.3m)
Gross Margin = 82.88% ((Revenue TTM 824.3m - Cost of Revenue TTM 141.1m) / Revenue TTM)
Gross Margin QoQ = 99.87% (prev 97.59%)
Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -623.6m / Total Assets 14.71b)
Interest Expense / Debt = 805.8% (Interest Expense 107.4m / Debt 13.3m)
Taxrate = 21.04% (15.9m / 75.4m)
NOPAT = 239.5m (EBIT 303.4m * (1 - 21.04%))
Current Ratio = 324.5 (out of range, set to none) (Total Current Assets 4.32b / Total Current Liabilities 13.3m)
Debt / Equity = 0.00 (Debt 13.3m / totalStockholderEquity, last quarter 6.04b)
Debt / EBITDA = -13.23 (Net Debt -4.31b / EBITDA 325.9m)
Debt / FCF = -22.03 (Net Debt -4.31b / FCF TTM 195.7m)
Total Stockholder Equity = 2.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.70% (Net Income 240.6m / Total Assets 14.71b)
RoE = 8.57% (Net Income TTM 240.6m / Total Stockholder Equity 2.81b)
RoCE = 10.49% (EBIT 303.4m / Capital Employed (Equity 2.81b + L.T.Debt 86.2m))
RoIC = 13.16% (NOPAT 239.5m / Invested Capital 1.82b)
WACC = 8.70% (E(3.69b)/V(3.70b) * Re(8.73%) + (debt cost/tax rate unavailable))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.63%
[DCF Debug] Terminal Value 77.30% ; FCFF base≈221.6m ; Y1≈248.5m ; Y5≈330.7m
Fair Price DCF = 277.7 (EV 5.00b - Net Debt -4.31b = Equity 9.31b / Shares 33.5m; r=8.70% [WACC]; 5y FCF grow 14.05% → 2.90% )
EPS Correlation: 58.53 | EPS CAGR: 13.74% | SUE: -0.90 | # QB: 0
Revenue Correlation: 63.89 | Revenue CAGR: 11.05% | SUE: 1.59 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.77 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=7.01 | Chg30d=-0.045 | Revisions Net=-1 | Growth EPS=-1.3% | Growth Revenue=+3.2%
EPS next Year (2027-12-31): EPS=7.20 | Chg30d=-0.025 | Revisions Net=-1 | Growth EPS=+2.6% | Growth Revenue=+3.9%