Bancfirst Corp. (BANF)
NASDAQ:BANF
Want to see BANF full AI Analyst Report?
Top Page
BancFirst
(NASDAQ:BANF)
Select Model
Select Model
Rating:70Outperform
Price Target:
$122.00
▲(4.52% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by strong fundamentals—high profitability, solid ROE, and conservative leverage—partly offset by recent revenue softness and some cash-flow metric variability. Technical signals are neutral-to-soft (below the 200-day average and slightly negative MACD), while valuation is reasonable with a modest dividend yield.
Positive Factors
Conservative Balance Sheet
Very low leverage and materially higher tangible equity over several years create a durable capital buffer. That increases resilience to loan losses, supports regulatory flexibility, and preserves lending capacity and dividend policy over 2–6 months even if credit cycles wobble.
Negative Factors
Recent Revenue Softness
A TTM revenue decline signals weakening top-line momentum that could reflect softer loan volumes or fee income. If sustained, slower revenue growth pressures the base for future margin expansion, limits reinvestment capacity, and could compress medium-term earnings growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and materially higher tangible equity over several years create a durable capital buffer. That increases resilience to loan losses, supports regulatory flexibility, and preserves lending capacity and dividend policy over 2–6 months even if credit cycles wobble.
Read all positive factors
BancFirst (BANF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.71B
Dividend Yield1.7%
Average Volume (3M)120.87K
Price to Earnings (P/E)15.0
Beta (1Y)0.82
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-0.24
Enterprise Value/Revenue-1.05
Enterprise Value/Gross Profit-1.26
Enterprise Value/Ebitda-2.65
Forecast
1Y Price Target
$125.00Price Target Upside7.09% Upside
Rating ConsensusHold
Number of Analyst Covering1
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 | 834.53M | 824.33M | 908.71M | 809.34M | 603.57M | 497.05M |
| Gross Profit | 697.03M | 683.43M | 622.45M | 602.41M | 547.34M | 494.38M |
| EBITDA | 332.14M | 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 | 15.12B | 14.87B | 13.55B | 12.37B | 12.39B | 9.41B |
| Cash, Cash Equivalents and Short-Term Investments | 5.57B | 226.95M | 3.88B | 3.95B | 4.71B | 2.58B |
| Total Debt | 101.22M | 133.69M | 86.16M | 89.45M | 86.34M | 85.99M |
| Total Liabilities | 13.21B | 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 | 236.39M | 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
111.37
Negative
111.29
Negative
114.20
Negative
Market Momentum
-0.53
Positive
49.70
Neutral
32.96
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 109.88, above the 50-day MA of 111.37, and above the 200-day MA of 114.20, indicating a neutral trend. The MACD of -0.53 indicates Positive momentum. The RSI at 49.70 is Neutral, neither overbought nor oversold. The STOCH value of 32.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BANF.
BancFirst Risk Analysis
BancFirst disclosed 12 risk factors in its most recent earnings report. BancFirst reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BancFirst Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.44B | 12.82 | 9.93% | ― | 3.26% | 329.26% | |
76 Outperform | $4.54B | 10.92 | 13.16% | 2.03% | 2.00% | 2.22% | |
76 Outperform | $3.99B | 11.78 | 9.41% | 3.02% | 4.20% | 29.58% | |
75 Outperform | $4.61B | 9.30 | 10.04% | 3.51% | 16.97% | 234.25% | |
72 Outperform | $4.27B | 14.42 | 16.32% | 1.82% | 2.58% | 23.10% | |
70 Outperform | $3.71B | 14.97 | 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
110.37
-10.58
-8.75%
ASB
Associated Banc-Corp
27.76
4.94
21.63%
IBOC
International Bancshares
72.98
9.39
14.77%
TCBI
Texas Capital Bancshares
101.69
23.89
30.70%
UCB
United Community Banks
33.34
4.78
16.74%
SFBS
ServisFirst Bancshares
78.15
4.32
5.85%
BancFirst Corporate Events
Executive/Board ChangesDividendsShareholder Meetings
BancFirst Shareholders Back Board, Declare Quarterly Dividend
Positive
May 28, 2026
At its May 28, 2026 annual meeting, BancFirst Corporation’s shareholders voted on three key governance items, with 30.4 million of 33.6 million eligible shares represented. Investors elected all 17 board nominees, ratified Forvis Mazars, LLP...
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.