Bancfirst Corp. (BANF)
NASDAQ:BANF
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BancFirst
(NASDAQ:BANF)
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Rating:65Neutral
Price Target:
$124.00
▲(8.46% Upside)
Action:ReiteratedDate:02/28/26
The score is primarily supported by strong profitability and a very low-debt balance sheet, but is held back by the reported zero TTM operating/free cash flow (a significant quality concern) and a modest TTM revenue decline. Technicals and valuation are generally neutral, with corporate events providing a small positive boost.
Positive Factors
Profitability
Sustained high margins indicate robust core banking profitability versus peers, enabling internal capital generation and resilience to credit cycles. Over 2–6 months this supports the bank’s ability to absorb loan losses, fund operations, and maintain shareholder distributions despite top-line softness.
Negative Factors
Cash Flow Quality
Zero reported operating and free cash flow is a major durability concern: it implies weak cash conversion of earnings or reporting irregularities. If persistent, this constrains lending growth, capital returns, and the bank’s ability to self-fund investments or absorb future credit losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Sustained high margins indicate robust core banking profitability versus peers, enabling internal capital generation and resilience to credit cycles. Over 2–6 months this supports the bank’s ability to absorb loan losses, fund operations, and maintain shareholder distributions despite top-line softness.
Read all positive factors
BancFirst (BANF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.84B
Dividend Yield1.7%
Average Volume (3M)120.87K
Price to Earnings (P/E)14.7
Beta (1Y)0.77
Revenue Growth6.55%
EPS Growth12.94%
CountryUS
Employees2,135
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.75
Shares Outstanding33,545,097
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 Cap0.97
Enterprise Value/Revenue4.54
Enterprise Value/Gross Profit5.48
Enterprise Value/Ebitda11.48
Forecast
1Y Price Target
$123.67Price Target Upside8.17% Upside
Rating ConsensusHold
Number of Analyst Covering3
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 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 lo...
BancFirst Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
88
Very Positive
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 824.33M | 908.71M | 809.34M | 603.57M | 497.05M |
| Gross Profit | 683.43M | 622.45M | 602.41M | 547.34M | 494.38M |
| EBITDA | 325.92M | 296.96M | 292.14M | 259.48M | 228.44M |
| Net Income | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
Balance Sheet | |||||
| Total Assets | 14.87B | 13.55B | 12.37B | 12.39B | 9.41B |
| Cash, Cash Equivalents and Short-Term Investments | 226.95M | 3.88B | 3.95B | 4.71B | 2.58B |
| Total Debt | 133.69M | 86.16M | 89.45M | 86.34M | 85.99M |
| Total Liabilities | 13.02B | 11.93B | 10.94B | 11.14B | 8.23B |
| Stockholders Equity | 1.85B | 1.62B | 1.43B | 1.25B | 1.17B |
Cash Flow | |||||
| Free Cash Flow | 236.97M | 224.55M | 210.54M | 206.49M | 176.68M |
| Operating Cash Flow | 285.28M | 261.20M | 233.04M | 226.27M | 203.93M |
| Investing Cash Flow | 15.54M | -71.39M | -669.71M | -1.52B | 422.88M |
| Financing Cash Flow | 549.77M | 966.50M | -334.79M | 2.41B | -193.71M |
BancFirst Technical Analysis
Positive
114.33
Price Trends
111.20
Positive
110.44
Positive
116.70
Negative
Market Momentum
1.30
Negative
62.29
Neutral
76.35
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 114.33 is above the 20-day moving average (MA) of 108.86, above the 50-day MA of 111.20, and below the 200-day MA of 116.70, indicating a neutral trend. The MACD of 1.30 indicates Negative momentum. The RSI at 62.29 is Neutral, neither overbought nor oversold. The STOCH value of 76.35 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $4.09B | 11.58 | 9.15% | 3.02% | 5.63% | 65.11% | |
76 Outperform | $4.50B | 10.04 | 13.41% | 2.03% | 0.99% | 4.94% | |
73 Outperform | $4.62B | 7.75 | 9.83% | 3.51% | -1.44% | -21.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $3.84B | 14.73 | 13.85% | 1.70% | 6.55% | 12.94% | |
65 Neutral | $4.52B | 12.34 | 9.30% | ― | 5.19% | 3454.95% | |
65 Neutral | $4.30B | 14.19 | 15.76% | 1.82% | 3.97% | 24.91% |
* Financial Sector Average
BANF
BancFirst
114.33
10.08
9.67%
ASB
Associated Banc-Corp
27.52
8.43
44.14%
IBOC
International Bancshares
72.08
14.86
25.98%
TCBI
Texas Capital Bancshares
103.15
38.94
60.64%
UCB
United Community Banks
33.81
10.07
42.39%
SFBS
ServisFirst Bancshares
78.29
10.24
15.05%
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.