BANCFIRST CORP(NASDAQ:BANF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 405 industry peers in the Banks industry. BANF has only an average score on both its financial health and profitability. BANF is quite expensive at the moment. It does show a decent growth rate.

Quickly go to:

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.

Each year in the past 5 years BANF has been profitable.

BANF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 1.57%, BANF belongs to the best of the industry, outperforming 92.46% of the companies in the same industry.

BANF's Return On Equity of 13.18% is amongst the best of the industry. BANF outperforms 88.69% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.57%
ROE	13.18%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BANF has a better Profit Margin (33.75%) than 89.70% of its industry peers.

BANF's Profit Margin has been stable in the last couple of years.

BANF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	33.75%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.24%

PM growth 5Y1.26%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of BANF is 0.35, which is an excellent value as it means it would take BANF, only 0.35 years of fcf income to pay off all of its debts.

With an excellent Debt to FCF ratio value of 0.35, BANF belongs to the best of the industry, outperforming 86.43% of the companies in the same industry.

A Debt/Equity ratio of 0.06 indicates that BANF is not too dependend on debt financing.

The Debt to Equity ratio of BANF (0.06) is better than 81.41% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.35
Altman-Z	N/A

ROIC/WACCN/A

WACC12.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.58% over the past year.

BANF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.61% yearly.

The Revenue has been growing slightly by 3.55% in the past year.

BANF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.54% yearly.

EPS 1Y (TTM)1.58%

EPS 3Y8.59%

EPS 5Y9.61%

EPS Q2Q%15.07%

Revenue 1Y (TTM)3.55%

Revenue growth 3Y9.14%

Revenue growth 5Y8.54%

Sales Q2Q%8.46%

3.2 Future

The Earnings Per Share is expected to grow by 1.20% on average over the next years.

The Revenue is expected to grow by 3.43% on average over the next years.

EPS Next Y0.1%

EPS Next 2Y1.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.89%

Revenue Next 2Y3.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.71, the valuation of BANF can be described as rather expensive.

Based on the Price/Earnings ratio, BANF is valued a bit more expensive than 76.38% of the companies in the same industry.

BANF is valuated rather cheaply when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 18.69 indicates a rather expensive valuation of BANF.

BANF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 75.38% of the companies in the same industry.

BANF is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	18.71
Fwd PE	18.69

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANF is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	15.32
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)188.25

PEG (5Y)1.95

EPS Next 2Y1.2%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BANF has a Yearly Dividend Yield of 1.55%.

Compared to an average industry Dividend Yield of 3.15, BANF is paying slightly less dividend.

BANF's Dividend Yield is slightly below the S&P500 average, which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

5.2 History

The dividend of BANF is nicely growing with an annual growth rate of 11.78%!

BANF has paid a dividend for at least 10 years, which is 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 Years26

Div Non Decr Years28

5.3 Sustainability

27.14% of the earnings are spent on dividend by BANF. This is a low number and sustainable payout ratio.

BANF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP27.14%

EPS Next 2Y1.2%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCFIRST CORP

NASDAQ:BANF (2/4/2025, 8:00:01 PM)

After market: 120.48 0 (0%)

120.48

+3.94 (+3.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)N/A N/A

Inst Owners53.9%

Inst Owner Change-5.23%

Ins Owners2.45%

Ins Owner Change-10.07%

Market Cap3.99B

Analysts47.5

Price Target128.18 (6.39%)

Short Float %2.51%

Short Ratio5.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

Yearly Dividend1.63

Dividend Growth(5Y)11.78%

DP27.14%

Div Incr Years26

Div Non Decr Years28

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.68%

Min EPS beat(2)4.55%

Max EPS beat(2)8.82%

EPS beat(4)4

Avg EPS beat(4)5.71%

Min EPS beat(4)3.82%

Max EPS beat(4)8.82%

EPS beat(8)6

Avg EPS beat(8)2.48%

EPS beat(12)10

Avg EPS beat(12)5.4%

EPS beat(16)13

Avg EPS beat(16)9.54%

Revenue beat(2)2

Avg Revenue beat(2)0.6%

Min Revenue beat(2)0.48%

Max Revenue beat(2)0.72%

Revenue beat(4)4

Avg Revenue beat(4)0.61%

Min Revenue beat(4)0.34%

Max Revenue beat(4)0.9%

Revenue beat(8)4

Avg Revenue beat(8)-0.41%

Revenue beat(12)8

Avg Revenue beat(12)0.81%

Revenue beat(16)11

Avg Revenue beat(16)1.24%

PT rev (1m)1.89%

PT rev (3m)11.87%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)2.32%

EPS NY rev (3m)2.32%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.25%

Revenue NY rev (3m)0.25%

Valuation

		Industry Rank	Sector Rank
PE	18.71
Fwd PE	18.69
P/S	6.45
P/FCF	15.32
P/OCF	13.92
P/B	2.52
P/tB	2.88
EV/EBITDA	N/A

EPS(TTM)6.44

EY5.35%

EPS(NY)6.45

Fwd EY5.35%

FCF(TTM)7.86

FCFY6.53%

OCF(TTM)8.66

OCFY7.19%

SpS18.68

BVpS47.83

TBVpS41.9

PEG (NY)188.25

PEG (5Y)1.95

Profitability

		Industry Rank	Sector Rank
ROA	1.57%
ROE	13.18%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.75%
GM	N/A
FCFM	42.1%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.24%

PM growth 5Y1.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.35
Debt/EBITDA	N/A
Cap/Depr	121.31%
Cap/Sales	4.25%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	124.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.74%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1.58%

EPS 3Y8.59%

EPS 5Y9.61%

EPS Q2Q%15.07%

EPS Next Y0.1%

EPS Next 2Y1.2%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.55%

Revenue growth 3Y9.14%

Revenue growth 5Y8.54%

Sales Q2Q%8.46%

Revenue Next Year2.89%

Revenue Next 2Y3.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y21.22%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y20.87%

OCF growth 3YN/A

OCF growth 5YN/A

BANCFIRST CORP (BANF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens