BancFirst (BANF) AI Stock Analysis

• Market Cap: $4.44B
• Dividend Yield: 1.4%
• Average Volume (3M): 104.67K
• Price to Earnings (P/E): 19.2
• Beta (1Y): 0.85
• Revenue Growth: 9.63%
• EPS Growth: 15.57%
• Country: US
• Employees: 2,135
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.85
• Shares Outstanding: 33,309,310
• 10 Day Avg. Volume: 117,407
• 30 Day Avg. Volume: 104,667
• 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: 0.90
• Enterprise Value/Revenue: 4.28
• Enterprise Value/Gross Profit: 6.11
• Enterprise Value/Ebitda: 12.58
• 1Y Price Target: $134.00
• Price Target Upside: 2.19% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 68 Neutral
• Price Target: $136.00 ▲(3.71% Upside)

BancFirst's strong financial performance is the most significant factor, supported by solid revenue growth and profitability. Technical analysis indicates some short-term bearish momentum, but potential buying opportunities may arise if momentum reverses. The valuation is moderate, with a reasonable P/E ratio and a modest dividend yield. Overall, the stock presents a balanced risk-reward profile, with financial strength offsetting technical weaknesses.

BancFirst Business Overview & Revenue Model

Company Description

BancFirst Corporation is a financial holding company based in Oklahoma, primarily engaged in providing a wide range of banking and financial services through its subsidiary, BancFirst. The company operates in various sectors, including commercial banking, retail banking, and wealth management. Its core products and services include personal and business loans, deposit accounts, mortgage services, treasury management, and investment advisory services, catering to both individual and corporate clients across Oklahoma and surrounding regions.

How the Company Makes Money

BancFirst generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company offers various loan products, including commercial loans, consumer loans, and real estate loans, which contribute significantly to its interest income. Additionally, BancFirst earns non-interest income through service fees, transaction fees, and charges related to wealth management and investment services. Strategic partnerships with local businesses and community organizations further enhance its customer base and revenue potential. Moreover, BancFirst focuses on maintaining a diversified portfolio and managing risk effectively to support its financial performance.

BancFirst Financial Statement Overview

Summary

BancFirst demonstrates a strong financial position with impressive revenue growth, profitability, and efficient operations. The balance sheet reflects sound financial management with low leverage and solid equity backing. Cash flow generation is healthy, supporting ongoing business activities and strategic initiatives. While the company maintains a positive trajectory, careful attention to balance sheet volatility and cash flow fluctuations is advised to sustain long-term growth.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	937.61M	908.71M	809.34M	603.57M	497.05M	464.34M
Gross Profit	656.15M	622.45M	602.41M	547.34M	494.38M	381.24M
EBITDA	318.80M	296.96M	292.14M	259.48M	228.44M	141.94M
Net Income	233.84M	216.35M	212.47M	193.10M	167.63M	99.59M
Balance Sheet
Total Assets	14.05B	13.55B	12.37B	12.39B	9.41B	9.21B
Cash, Cash Equivalents and Short-Term Investments	4.33B	3.88B	3.95B	4.71B	2.58B	2.17B
Total Debt	92.05M	86.16M	89.45M	86.34M	85.99M	27.90M
Total Liabilities	12.32B	11.93B	10.94B	11.14B	8.23B	8.14B
Stockholders Equity	1.73B	1.62B	1.43B	1.25B	1.17B	1.07B
Cash Flow
Free Cash Flow	74.35M	224.55M	210.54M	206.49M	176.68M	88.41M
Operating Cash Flow	94.72M	261.20M	233.04M	226.27M	203.93M	154.85M
Investing Cash Flow	263.46M	-71.39M	-669.71M	-1.52B	422.88M	-898.51M
Financing Cash Flow	990.79M	966.50M	-334.79M	2.41B	-193.71M	492.28M

BancFirst Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 131.13
• 50DMA: Positive
• 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 131.13 is below the 20-day moving average (MA) of 132.63, above the 50-day MA of 128.92, and above the 200-day MA of 120.80, indicating a neutral trend. The MACD of 1.27 indicates Positive momentum. The RSI at 50.21 is Neutral, neither overbought nor oversold. The STOCH value of 12.23 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
SFBS	77 Outperform	4.56B	18.25	14.51%	1.56%	8.15%	26.16%
UCB	77 Outperform	3.83B	14.19	7.56%	3.07%	3.00%	42.78%
ASB	72 Outperform	4.30B	33.77	2.67%	3.55%	-1.23%	-34.14%
BANF	68 Neutral	$4.44B	19.22	14.43%	1.40%	9.63%	15.57%
IBOC	68 Neutral	4.31B	10.41	13.63%	2.02%	1.99%	2.08%
TCBI	67 Neutral	3.90B	33.91	3.82%	―	6.86%	-8.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

BancFirst Corporate Events

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.