Bancfirst Corp. (BANF)
NASDAQ:BANF
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BancFirst
(NASDAQ:BANF)
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Rating:72Outperform
Price Target:
$125.00
▲(7.09% Upside)
Action:Upgraded
Date:05/09/26
The score is driven primarily by strong fundamentals—high profitability, conservative leverage, and solid ROE with positive free cash flow—partly offset by recent revenue contraction. Technical signals are neutral-to-mixed (below the 200DMA with neutral RSI/Stoch), while valuation is reasonable and corporate updates are modestly positive.
Positive Factors
High profitability
Sustained high net margins and mid-teens ROE provide durable earnings power, creating an ongoing buffer against cyclical credit losses and funding cost shifts. That profitably supports internal capital build, dividend capacity, and reinvestment without heavy reliance on external financing.
Negative Factors
Top-line contraction
A persistent decline in revenue undermines growth prospects and can pressure long-term earnings expansion even if margins remain strong. If revenue contraction continues it limits reinvestment, narrows the runway for loan growth, and could force tougher trade-offs between dividends and capital retention.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained high net margins and mid-teens ROE provide durable earnings power, creating an ongoing buffer against cyclical credit losses and funding cost shifts. That profitably supports internal capital build, dividend capacity, and reinvestment without heavy reliance on external financing.
Read all positive factors
BancFirst (BANF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.69B
Dividend Yield1.7%
Average Volume (3M)120.87K
Price to Earnings (P/E)14.4
Beta (1Y)0.83
Revenue Growth4.32%
EPS Growth10.56%
CountryUS
Employees2,135
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.41
Shares Outstanding33,586,388
10 Day Avg. Volume153,847
30 Day Avg. Volume120,873
Financial Highlights & Ratios
PEG Ratio1.44
Price to Book (P/B)1.91
Price to Sales (P/S)4.30
P/FCF Ratio14.95
Enterprise Value/Market Cap-0.13
Enterprise Value/Revenue-0.64
Enterprise Value/Gross Profit-0.71
Enterprise Value/Ebitda-1.50
Forecast
1Y Price Target
$124.00Price Target Upside6.24% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)7.04
Revenue Forecast (FY)$713.60M
BancFirst Business Overview & Revenue Model
Company Description
BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. It operates through Metropolitan Banks, Community Banks, Pegas...
How the Company Makes Money
BancFirst makes money primarily through traditional banking activities. (1) Net interest income: The company earns interest and fees on loans and other interest-earning assets and pays interest on deposits and other funding sources; the spread bet...
BancFirst Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 768.35M | 824.33M | 908.71M | 809.34M | 603.57M | 497.05M |
| Gross Profit | 693.42M | 683.43M | 622.45M | 602.41M | 547.34M | 494.38M |
| EBITDA | 329.21M | 325.92M | 296.96M | 292.14M | 259.48M | 228.44M |
| Net Income | 247.49M | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
Balance Sheet | ||||||
| Total Assets | 14.70B | 14.87B | 13.55B | 12.37B | 12.39B | 9.41B |
| Cash, Cash Equivalents and Short-Term Investments | 5.30B | 226.95M | 3.88B | 3.95B | 4.71B | 2.58B |
| Total Debt | 107.45M | 133.69M | 86.16M | 89.45M | 86.34M | 85.99M |
| Total Liabilities | 11.36B | 13.02B | 11.93B | 10.94B | 11.14B | 8.23B |
| Stockholders Equity | 1.90B | 1.85B | 1.62B | 1.43B | 1.25B | 1.17B |
Cash Flow | ||||||
| Free Cash Flow | 247.17M | 236.97M | 224.55M | 210.54M | 206.49M | 176.68M |
| Operating Cash Flow | 284.17M | 285.28M | 261.20M | 233.04M | 226.27M | 203.93M |
| Investing Cash Flow | 62.26M | 15.54M | -71.39M | -669.71M | -1.52B | 422.88M |
| Financing Cash Flow | 363.94M | 549.77M | 966.50M | -334.79M | 2.41B | -193.71M |
BancFirst Technical Analysis
Positive
116.72
Price Trends
111.23
Positive
110.66
Positive
116.55
Positive
Market Momentum
1.49
Negative
64.27
Neutral
55.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BANF, the sentiment is Positive. The current price of 116.72 is above the 20-day moving average (MA) of 110.32, above the 50-day MA of 111.23, and above the 200-day MA of 116.55, indicating a bullish trend. The MACD of 1.49 indicates Negative momentum. The RSI at 64.27 is Neutral, neither overbought nor oversold. The STOCH value of 55.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BANF.
BancFirst Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $4.50B | 10.29 | 13.16% | 2.03% | 2.00% | 2.22% | |
79 Outperform | $3.92B | 11.25 | 9.41% | 3.02% | 4.20% | 29.58% | |
77 Outperform | $4.26B | 14.47 | 9.93% | ― | 3.26% | 329.26% | |
76 Outperform | $4.20B | 12.00 | 16.32% | 1.82% | 2.58% | 23.10% | |
75 Outperform | $4.63B | 8.92 | 10.04% | 3.51% | 16.97% | 234.25% | |
72 Outperform | $3.69B | 14.45 | 13.62% | 1.70% | 4.32% | 10.56% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BANF
BancFirst
109.97
-15.79
-12.56%
ASB
Associated Banc-Corp
27.92
4.42
18.82%
IBOC
International Bancshares
72.40
8.44
13.20%
TCBI
Texas Capital Bancshares
97.45
21.26
27.90%
UCB
United Community Banks
32.77
4.01
13.94%
SFBS
ServisFirst Bancshares
76.83
0.58
0.76%
BancFirst Corporate Events
Executive/Board ChangesDividends
BancFirst Announces New Accounting Officer and Dividends
Positive
Feb 27, 2026
BancFirst Corporation has appointed Hannah Andrus as its new principal accounting officer, effective March 1, 2026, following the retirement of longtime principal accounting officer Randy Foraker on February 27, 2026. Andrus, who joined the compan...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.