BancFirst (BANF) AI Stock Analysis

• Market Cap: $4.14B
• Dividend Yield: 1.48%
• Average Volume (3M): 151.06K
• Price to Earnings (P/E): 18.0
• Beta (1Y): 0.87
• Revenue Growth: 1.66%
• EPS Growth: 15.57%
• Country: US
• Employees: 2,135
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.85
• Shares Outstanding: 33,242,813
• 10 Day Avg. Volume: 129,059
• 30 Day Avg. Volume: 151,065
• PEG Ratio: 3.56
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 56.79
• Enterprise Value/Market Cap: 0.11
• Enterprise Value/Revenue: 0.37
• Enterprise Value/Gross Profit: 1.53
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $134.00
• Price Target Upside: 7.61% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: $152.00 ▲(22.07%Upside)

BancFirst's strong financial performance and positive corporate events drive its overall score. The stock benefits from a solid financial foundation and is bolstered by shareholder-friendly actions. However, technical indicators suggest caution due to potential market correction, and while the valuation is fair, it doesn't offer significant upside. Monitoring for any changes in financial trends or technical signals is advisable.

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, Pegasus Bank, and Other Financial Services segments. The company offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. It also provides commercial, financial, and other loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, the company engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services. Further, it is involved in real estate investment and insurance agency services; and providing funds transfer, collection, safe deposit box, cash management, and other services. The company serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates through 108 banking locations in Oklahoma and 3 banking locations in Dallas, Texas. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.

How the Company Makes Money

BancFirst makes money primarily through the interest income generated from its lending activities, which include commercial, consumer, and real estate loans. The bank also earns revenue from service charges on deposit accounts, transaction fees, and other banking services. Additionally, BancFirst gains income from investment securities and gains on the sale of loans. The company benefits from its expansive branch network across Oklahoma, fostering strong customer relationships and a stable deposit base, which is crucial for its lending operations. While BancFirst does not heavily rely on partnerships, its financial performance is influenced by economic conditions in Oklahoma and the broader interest rate environment, impacting lending rates and deposit interest expenses.

BancFirst Financial Statement Overview

Summary

BancFirst demonstrates strong financial performance with impressive revenue growth and profitability. Efficient operations and a solid balance sheet with low leverage enhance its financial health. However, slight deceleration in growth and balance sheet volatility should be monitored.

Income Statement

BancFirst shows strong financial performance with a consistent increase in total revenue over the years, reflected in a robust revenue growth rate. The gross profit margin and net profit margin are healthy, indicating efficient cost management and profitability. The EBIT and EBITDA margins also demonstrate strong operational efficiency. However, the pace of growth has slightly decelerated in the TTM period compared to previous years.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio, highlighting conservative financial leverage. The return on equity is commendable, showing effective use of shareholders' funds to generate profit. The equity ratio indicates a strong equity base, although recent changes in total assets and liabilities suggest potential volatility in the company's balance sheet structure.

Cash Flow

Cash flow analysis reveals robust operating cash flows, comfortably covering net income, as seen in a favorable operating cash flow to net income ratio. Free cash flow generation is consistent, supporting growth initiatives and shareholder returns. The free cash flow growth rate is positive, although some fluctuations in investing and financing cash flows may pose risks to sustaining future cash flow stability.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	908.71M	809.34M	603.57M	497.05M	464.34M
Gross Profit	622.45M	602.41M	547.34M	494.38M	381.24M
EBITDA	296.96M	292.14M	259.48M	228.44M	141.94M
Net Income	216.35M	212.47M	193.10M	167.63M	99.59M
Balance Sheet
Total Assets	13.55B	12.37B	12.39B	9.41B	9.21B
Cash, Cash Equivalents and Short-Term Investments	3.88B	3.95B	4.71B	2.58B	2.17B
Total Debt	86.16M	89.45M	86.34M	85.99M	27.90M
Total Liabilities	11.93B	10.94B	11.14B	8.23B	8.14B
Stockholders Equity	1.62B	1.43B	1.25B	1.17B	1.07B
Cash Flow
Free Cash Flow	224.55M	210.54M	206.49M	176.68M	88.41M
Operating Cash Flow	261.20M	233.04M	226.27M	203.93M	154.85M
Investing Cash Flow	-71.39M	-669.71M	-1.52B	422.88M	-898.51M
Financing Cash Flow	966.50M	-334.79M	2.41B	-193.71M	492.28M

BancFirst Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 124.52
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BANF, the sentiment is Neutral. The current price of 124.52 is below the 20-day moving average (MA) of 129.10, below the 50-day MA of 125.42, and above the 200-day MA of 118.49, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 43.56 is Neutral, neither overbought nor oversold. The STOCH value of 6.64 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BANF.

BancFirst Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AX	80 Outperform	$4.87B	11.58	17.42%	―	9.00%	-2.90%
ABCB	79 Outperform	$4.54B	11.61	10.46%	1.14%	4.72%	25.95%
BANF	74 Outperform	$4.14B	17.95	14.43%	1.48%	1.66%	15.57%
ASB	74 Outperform	$4.10B	32.58	3.07%	3.68%	-1.23%	-34.14%
AUB	72 Outperform	$4.46B	15.23	5.18%	4.23%	37.25%	-8.67%
Sector *	67 Neutral	$17.78B	11.60	9.11%	3.88%	10.92%	-3.96%
TFSL	62 Neutral	$3.58B	44.43	4.32%	8.62%	5.78%	3.19%

BancFirst Corporate Events

BancFirst Declares Dividend and Interest Payment

On May 22, 2025, BancFirst Corporation held its annual meeting of shareholders, where all 17 directors were elected, the selection of Forvis Mazars, LLP as the independent registered public accounting firm was ratified, and executive compensation was approved. Additionally, the Board of Directors declared a $0.46 per share cash dividend on common stock and announced a quarterly interest payment on its Junior Subordinated Debentures, both payable on July 15, 2025, to shareholders of record on June 30, 2025.

The most recent analyst rating on (BANF) stock is a Hold with a $110.00 price target. To see the full list of analyst forecasts on BancFirst stock, see the BANF Stock Forecast page.

BancFirst Announces Acquisition of American Bank of Oklahoma

On May 20, 2025, BancFirst Corporation announced its agreement to acquire American Bank of Oklahoma, a community bank with $385 million in assets, $280 million in loans, and $320 million in deposits. The acquisition is expected to close in the third quarter of 2025, with the merger into BancFirst anticipated in the fourth quarter, subject to regulatory approvals.

The most recent analyst rating on (BANF) stock is a Hold with a $110.00 price target. To see the full list of analyst forecasts on BancFirst stock, see the BANF Stock Forecast page.