BANCFIRST CORP (BANF)
US05945F1030 - Common Stock
Taking everything into account, BANF scores 4 out of 10 in our fundamental rating. BANF was compared to 411 industry peers in the Banks industry. BANF has an average financial health and profitability rating. BANF is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BANF was profitable.
In the past year BANF had a positive cash flow from operations.
BANF had positive earnings in each of the past 5 years.
Each year in the past 5 years BANF had a positive operating cash flow.
1.2 Ratios
BANF has a better Return On Assets (1.63%) than 93.20% of its industry peers.
With an excellent Return On Equity value of 13.97%, BANF belongs to the best of the industry, outperforming 86.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 13.97% | ||
| ROIC | N/A |
ROA(3y)1.69%
ROA(5y)1.54%
ROE(3y)14.85%
ROE(5y)13.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BANF's Profit Margin of 33.99% is amongst the best of the industry. BANF outperforms 90.53% of its industry peers.
BANF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for BANF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.8%
PM growth 5Y1.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BANF does not have a ROIC to compare to the WACC, probably because it is not profitable.
BANF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BANF has been reduced compared to 5 years ago.
The debt/assets ratio for BANF is higher compared to a year ago.
2.2 Solvency
BANF has a debt to FCF ratio of 0.47. This is a very positive value and a sign of high solvency as it would only need 0.47 years to pay back of all of its debts.
BANF has a better Debt to FCF ratio (0.47) than 83.98% of its industry peers.
BANF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.07, BANF belongs to the best of the industry, outperforming 80.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BANF have decreased by -4.52% in the last year.
BANF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.66% yearly.
BANF shows a small growth in Revenue. In the last year, the Revenue has grown by 1.43%.
The Revenue has been growing by 9.60% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.52%
EPS 3Y28.33%
EPS 5Y10.66%
EPS growth Q2Q-12.79%
Revenue 1Y (TTM)1.43%
Revenue growth 3Y11.17%
Revenue growth 5Y9.6%
Revenue growth Q2Q-3.81%
3.2 Future
BANF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.97% yearly.
Based on estimates for the next years, BANF will show a decrease in Revenue. The Revenue will decrease by -0.15% on average per year.
EPS Next Y-12.23%
EPS Next 2Y-7.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.07%
Revenue Next 2Y-0.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.04, BANF is valued correctly.
Based on the Price/Earnings ratio, BANF is valued a bit more expensive than 75.24% of the companies in the same industry.
BANF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.60.
With a Price/Forward Earnings ratio of 17.15, BANF is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than 76.94% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.15, BANF is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 17.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than 71.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BANF's earnings are expected to decrease with -7.97% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.41
EPS Next 2Y-7.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BANF has a Yearly Dividend Yield of 1.88%.
Compared to an average industry Dividend Yield of 3.65, BANF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, BANF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
5.2 History
The dividend of BANF is nicely growing with an annual growth rate of 11.78%!
BANF has been paying a dividend for at least 10 years, so it has a reliable track record.
BANF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.78%
Div Incr Years17
Div Non Decr Years17
5.3 Sustainability
BANF pays out 26.60% of its income as dividend. This is a sustainable payout ratio.
DP26.6%
EPS Next 2Y-7.97%
EPS Next 3YN/A
BANCFIRST CORP
NASDAQ:BANF (5/17/2024, 7:00:01 PM)
After market: 92.07 0 (0%)92.07
+0.78 (+0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.04B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 17.15 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 13.97% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 33.99% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-4.52%
EPS 3Y28.33%
EPS 5Y
EPS growth Q2Q
EPS Next Y-12.23%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.43%
Revenue growth 3Y11.17%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y