BancFirst (BANF) AI Stock Analysis

• Market Cap: $3.68B
• Dividend Yield: 1.69%
• Average Volume (3M): 116.83K
• Price to Earnings (P/E): 15.7
• Beta (1Y): 0.78
• Revenue Growth: 6.55%
• EPS Growth: 12.94%
• Country: US
• Employees: 2,135
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.85
• Shares Outstanding: 33,334,170
• 10 Day Avg. Volume: 125,788
• 30 Day Avg. Volume: 116,829
• PEG Ratio: 11.55
• Price to Book (P/B): 2.39
• Price to Sales (P/S): 4.26
• P/FCF Ratio: 17.25
• Enterprise Value/Market Cap: 1.13
• Enterprise Value/Revenue: 4.76
• Enterprise Value/Gross Profit: 6.26
• Enterprise Value/Ebitda: 13.11
• 1Y Price Target: $120.00
• Price Target Upside: 8.67% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 7.17
• Revenue Forecast (FY): $684.90M

• Rating: 60 Neutral
• Price Target: $118.00 ▲(6.86% Upside)

BancFirst's overall stock score reflects strong financial stability and profitability, offset by bearish technical indicators and moderate valuation. The significant cash flow challenges and declining revenue growth are key risks that need addressing.

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 generates revenue primarily through net interest income and non-interest income. The main revenue stream comes from lending activities, where the bank earns interest on loans provided to customers, including commercial loans, consumer loans, and mortgages. Additionally, BancFirst collects fees from various banking services, such as account maintenance fees, transaction fees, and service charges. The bank also earns income from investment securities and other financial products offered to customers. Significant partnerships with local businesses and community organizations help drive customer acquisition and enhance service offerings, contributing positively to its earnings.

BancFirst Financial Statement Overview

Summary

BancFirst demonstrates strong profitability and a solid balance sheet with minimal leverage, crucial for stability in the banking sector. However, the decline in revenue growth and significant cash flow challenges highlight areas for improvement.

Income Statement

BancFirst's income statement shows strong profitability with a TTM net profit margin of 31.63% and a solid EBIT margin of 40.18%. However, the revenue growth rate has declined by 6.49% in the TTM period, indicating potential challenges in revenue generation. Despite this, the company maintains healthy gross and net profit margins, reflecting efficient cost management and profitability.

Balance Sheet

The balance sheet is robust, with a very low debt-to-equity ratio of 0.16% in the TTM period, indicating minimal leverage and financial risk. The return on equity is strong at 8.77%, showcasing effective utilization of shareholder funds. The equity ratio is healthy, suggesting a stable financial position with a significant portion of assets financed by equity.

Cash Flow

Cash flow analysis reveals challenges, with a significant decline in free cash flow growth by 305.91% in the TTM period. The free cash flow to net income ratio is negative, indicating cash flow issues. However, the operating cash flow to net income ratio remains positive, suggesting some operational cash generation capability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	876.73M	908.71M	809.34M	603.57M	497.05M	464.34M
Gross Profit	666.77M	622.45M	602.41M	547.34M	494.38M	381.24M
EBITDA	318.50M	296.96M	292.14M	259.48M	228.44M	141.94M
Net Income	237.59M	216.35M	212.47M	193.10M	167.63M	99.59M
Balance Sheet
Total Assets	14.20B	13.55B	12.37B	12.39B	9.41B	9.21B
Cash, Cash Equivalents and Short-Term Investments	4.41B	3.88B	3.95B	4.71B	2.58B	2.17B
Total Debt	97.88M	86.16M	89.45M	86.34M	85.99M	27.90M
Total Liabilities	12.42B	11.93B	10.94B	11.14B	8.23B	8.14B
Stockholders Equity	1.78B	1.62B	1.43B	1.25B	1.17B	1.07B
Cash Flow
Free Cash Flow	195.72M	224.55M	210.54M	206.49M	176.68M	88.41M
Operating Cash Flow	247.63M	261.20M	233.04M	226.27M	203.93M	154.85M
Investing Cash Flow	217.16M	-71.39M	-669.71M	-1.52B	422.88M	-898.51M
Financing Cash Flow	597.78M	966.50M	-334.79M	2.41B	-193.71M	492.28M

BancFirst Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 110.43
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 110.43 is above the 20-day moving average (MA) of 109.80, below the 50-day MA of 117.94, and below the 200-day MA of 119.90, indicating a neutral trend. The MACD of -2.23 indicates Negative momentum. The RSI at 47.19 is Neutral, neither overbought nor oversold. The STOCH value of 40.21 is Neutral, 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
UCB	77 Outperform	$3.71B	12.08	9.01%	3.21%	5.63%	65.11%
TCBI	74 Outperform	$4.01B	14.41	8.60%	―	5.19%	3454.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IBOC	67 Neutral	$4.13B	9.83	14.31%	2.11%	0.99%	4.94%
ASB	66 Neutral	$4.25B	27.62	3.78%	3.72%	-1.44%	-21.65%
SFBS	66 Neutral	$3.85B	15.08	15.24%	1.90%	3.97%	24.91%
BANF	60 Neutral	$3.68B	15.71	14.11%	1.69%	6.55%	12.94%

BancFirst Corporate Events

BancFirst Acquires American Bank of Oklahoma

On November 17, 2025, BancFirst Corporation acquired American Bank of Oklahoma, a community bank with multiple locations in Oklahoma, including Collinsville, Disney, Ramona, Skiatook, and Muskogee. The acquisition involves approximately $393 million in total assets, $253 million in loans, and $328 million in deposits. American Bank of Oklahoma will continue to operate under its current name until it merges with BancFirst, expected in the first quarter of 2026.

The most recent analyst rating on (BANF) stock is a Hold with a $118.00 price target. To see the full list of analyst forecasts on BancFirst stock, see the BANF Stock Forecast page.

BancFirst Releases 2025 Sustainability Report

On November 13, 2025, BancFirst Corporation released its Sustainability Report, highlighting its commitment to sustainability through sound governance, social and human capital development, and environmental risk management. The report underscores BancFirst’s efforts in addressing ESG matters and its impact on stakeholders and communities. The company has been recognized for its financial strength and consistent performance, including being named on the KBW Bank Honor Roll for 13 consecutive years and being the highest producer of Small Business Administration loans in Oklahoma for 34 years.

The most recent analyst rating on (BANF) stock is a Hold with a $118.00 price target. To see the full list of analyst forecasts on BancFirst stock, see the BANF Stock Forecast page.

BancFirst Announces Quarterly Dividend and Interest Payment

On August 28, 2025, BancFirst Corporation announced a quarterly cash dividend of $0.49 per share on its common stock, payable on October 15, 2025, to shareholders recorded by September 30, 2025. Additionally, BancFirst will make an interest payment on its Junior Subordinated Debentures, with proceeds used to pay a $0.45 per share dividend on trust preferred securities, also payable on October 15, 2025, to shareholders recorded by September 30, 2025.

The most recent analyst rating on (BANF) stock is a Hold with a $136.00 price target. To see the full list of analyst forecasts on BancFirst stock, see the BANF Stock Forecast page.