Logo image of BANF

BANCFIRST CORP (BANF) Stock Fundamental Analysis

USA - NASDAQ:BANF - US05945F1030 - Common Stock

111.13 USD
+0.95 (+0.86%)
Last: 11/14/2025, 8:00:01 PM
111.13 USD
0 (0%)
After Hours: 11/14/2025, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 388 industry peers in the Banks industry. While BANF is still in line with the averages on profitability rating, there are concerns on its financial health. BANF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

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.
BANF had a positive operating cash flow in each of the past 5 years.
BANF Yearly Net Income VS EBIT VS OCF VS FCFBANF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

BANF has a better Return On Assets (1.66%) than 92.53% of its industry peers.
BANF's Return On Equity of 13.53% is amongst the best of the industry. BANF outperforms 90.21% of its industry peers.
Industry RankSector Rank
ROA 1.66%
ROE 13.53%
ROIC N/A
ROA(3y)1.62%
ROA(5y)1.55%
ROE(3y)14.53%
ROE(5y)13.44%
ROIC(3y)N/A
ROIC(5y)N/A
BANF Yearly ROA, ROE, ROICBANF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 35.39%, BANF belongs to the top of the industry, outperforming 92.27% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 35.39%
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
BANF Yearly Profit, Operating, Gross MarginsBANF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BANF has more shares outstanding
The debt/assets ratio for BANF has been reduced compared to a year ago.
BANF Yearly Shares OutstandingBANF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BANF Yearly Total Debt VS Total AssetsBANF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BANF has a debt to FCF ratio of 0.45. This is a very positive value and a sign of high solvency as it would only need 0.45 years to pay back of all of its debts.
BANF's Debt to FCF ratio of 0.45 is amongst the best of the industry. BANF outperforms 82.22% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
BANF has a Debt to Equity ratio of 0.05. This is in the better half of the industry: BANF outperforms 79.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.45
Altman-Z N/A
ROIC/WACCN/A
WACC14.19%
BANF Yearly LT Debt VS Equity VS FCFBANF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BANF Yearly Current Assets VS Current LiabilitesBANF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.34% 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 grown by 8.70% in the past year. This is quite good.
The Revenue has been growing by 8.54% on average over the past years. This is quite good.
EPS 1Y (TTM)13.34%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%5.71%
Revenue 1Y (TTM)8.7%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%7.22%

3.2 Future

The Earnings Per Share is expected to grow by 3.75% on average over the next years.
Based on estimates for the next years, BANF will show a small growth in Revenue. The Revenue will grow by 5.29% on average per year.
EPS Next Y13.24%
EPS Next 2Y5.75%
EPS Next 3Y3.75%
EPS Next 5YN/A
Revenue Next Year8.47%
Revenue Next 2Y6.11%
Revenue Next 3Y5.29%
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.
BANF Yearly Revenue VS EstimatesBANF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
BANF Yearly EPS VS EstimatesBANF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

BANF is valuated correctly with a Price/Earnings ratio of 15.76.
BANF's Price/Earnings ratio is a bit more expensive when compared to the industry. BANF is more expensive than 72.94% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, BANF is valued a bit cheaper.
BANF is valuated correctly with a Price/Forward Earnings ratio of 15.43.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 75.26% of the companies listed in the same industry.
BANF is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.76
Fwd PE 15.43
BANF Price Earnings VS Forward Price EarningsBANF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 68.56% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.12
EV/EBITDA N/A
BANF Per share dataBANF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

BANF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.19
PEG (5Y)1.64
EPS Next 2Y5.75%
EPS Next 3Y3.75%

More info and screens

5

5. Dividend

5.1 Amount

BANF has a Yearly Dividend Yield of 1.78%.
BANF's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to the average S&P500 Dividend Yield of 2.44, BANF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.78%

5.2 History

The dividend of BANF is nicely growing with an annual growth rate of 7.69%!
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)7.69%
Div Incr Years27
Div Non Decr Years29
BANF Yearly Dividends per shareBANF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BANF pays out 25.66% of its income as dividend. This is a sustainable payout ratio.
The dividend of BANF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.66%
EPS Next 2Y5.75%
EPS Next 3Y3.75%
BANF Yearly Income VS Free CF VS DividendBANF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
BANF Dividend Payout.BANF Dividend Payout, showing the Payout Ratio.BANF Dividend Payout.PayoutRetained Earnings

More info and screens

BANCFIRST CORP

NASDAQ:BANF (11/14/2025, 8:00:01 PM)

After market: 111.13 0 (0%)

111.13

+0.95 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-21 2026-01-21/amc
Inst Owners56.59%
Inst Owner Change-0.61%
Ins Owners3.88%
Ins Owner Change0%
Market Cap3.70B
Revenue(TTM)672.56M
Net Income(TTM)233.84M
Analysts47.5
Price Target124.1 (11.67%)
Short Float %3.51%
Short Ratio6.72
Dividend
Industry RankSector Rank
Dividend Yield 1.78%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP25.66%
Div Incr Years27
Div Non Decr Years29
Ex-Date09-30 2025-09-30 (0.49)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.88%
Min EPS beat(2)3.62%
Max EPS beat(2)10.15%
EPS beat(4)4
Avg EPS beat(4)6.06%
Min EPS beat(4)1.67%
Max EPS beat(4)10.15%
EPS beat(8)8
Avg EPS beat(8)4.81%
EPS beat(12)10
Avg EPS beat(12)3.55%
EPS beat(16)13
Avg EPS beat(16)4.6%
Revenue beat(2)1
Avg Revenue beat(2)0.64%
Min Revenue beat(2)-0.03%
Max Revenue beat(2)1.32%
Revenue beat(4)2
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)1.32%
Revenue beat(8)5
Avg Revenue beat(8)0.14%
Revenue beat(12)6
Avg Revenue beat(12)0.11%
Revenue beat(16)9
Avg Revenue beat(16)0.58%
PT rev (1m)-8.29%
PT rev (3m)-8.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)6.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 15.76
Fwd PE 15.43
P/S 5.61
P/FCF 18.12
P/OCF 14.83
P/B 2.14
P/tB 2.41
EV/EBITDA N/A
EPS(TTM)7.05
EY6.34%
EPS(NY)7.2
Fwd EY6.48%
FCF(TTM)6.13
FCFY5.52%
OCF(TTM)7.49
OCFY6.74%
SpS19.82
BVpS51.85
TBVpS46.04
PEG (NY)1.19
PEG (5Y)1.64
Graham Number90.69
Profitability
Industry RankSector Rank
ROA 1.66%
ROE 13.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.39%
GM N/A
FCFM 30.93%
ROA(3y)1.62%
ROA(5y)1.55%
ROE(3y)14.53%
ROE(5y)13.44%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.45
Debt/EBITDA N/A
Cap/Depr 205.63%
Cap/Sales 6.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.19%
ROIC/WACCN/A
Cap/Depr(3y)120.16%
Cap/Depr(5y)171.57%
Cap/Sales(3y)4.35%
Cap/Sales(5y)6.73%
Profit Quality(3y)103.27%
Profit Quality(5y)100.81%
High Growth Momentum
Growth
EPS 1Y (TTM)13.34%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%5.71%
EPS Next Y13.24%
EPS Next 2Y5.75%
EPS Next 3Y3.75%
EPS Next 5YN/A
Revenue 1Y (TTM)8.7%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%7.22%
Revenue Next Year8.47%
Revenue Next 2Y6.11%
Revenue Next 3Y5.29%
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 1Y-4.86%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y5.98%
OCF growth 3Y8.61%
OCF growth 5Y10.44%

BANCFIRST CORP / BANF FAQ

What is the fundamental rating for BANF stock?

ChartMill assigns a fundamental rating of 4 / 10 to BANF.


Can you provide the valuation status for BANCFIRST CORP?

ChartMill assigns a valuation rating of 2 / 10 to BANCFIRST CORP (BANF). This can be considered as Overvalued.


Can you provide the profitability details for BANCFIRST CORP?

BANCFIRST CORP (BANF) has a profitability rating of 5 / 10.


How financially healthy is BANCFIRST CORP?

The financial health rating of BANCFIRST CORP (BANF) is 4 / 10.


What is the expected EPS growth for BANCFIRST CORP (BANF) stock?

The Earnings per Share (EPS) of BANCFIRST CORP (BANF) is expected to grow by 13.24% in the next year.