BANCFIRST CORP (BANF)
US05945F1030 - Common Stock
We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 407 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.
BANF had a positive operating cash flow in the past year.
In the past 5 years BANF has always been profitable.
BANF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.57%, BANF belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.18%, BANF belongs to the top of the industry, outperforming 88.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 13.18% | ||
| 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 has a Profit Margin of 33.75%. This is amongst the best in the industry. BANF outperforms 89.63% of its industry peers.
In the last couple of years the Profit Margin of BANF has remained more or less at the same level.
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) | 33.75% | ||
| 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.
The number of shares outstanding for BANF has been reduced compared to 1 year ago.
Compared to 5 years ago, BANF has less shares outstanding
The debt/assets ratio for BANF is higher compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 0.35, BANF belongs to the top of the industry, outperforming 86.42% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that BANF is not too dependend on debt financing.
BANF has a better Debt to Equity ratio (0.06) than 81.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BANF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.47%.
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 0.09%.
Measured over the past years, BANF shows a quite strong growth in Revenue. The Revenue has been growing by 9.60% on average per year.
EPS 1Y (TTM)-5.47%
EPS 3Y28.33%
EPS 5Y10.66%
EPS Q2Q%15.13%
Revenue 1Y (TTM)0.09%
Revenue growth 3Y11.17%
Revenue growth 5Y9.6%
Sales Q2Q%10.02%
3.2 Future
BANF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.49% yearly.
The Revenue is expected to grow by 3.21% on average over the next years.
EPS Next Y2.7%
EPS Next 2Y-0.31%
EPS Next 3Y-0.49%
EPS Next 5YN/A
Revenue Next Year3.76%
Revenue Next 2Y3.2%
Revenue Next 3Y3.21%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.49 indicates a rather expensive valuation of BANF.
Compared to the rest of the industry, the Price/Earnings ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 75.80% of the companies listed in the same industry.
BANF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.55, which is the current average of the S&P500 Index.
BANF is valuated rather expensively with a Price/Forward Earnings ratio of 19.24.
Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than the industry average as 76.30% of the companies are valued more cheaply.
BANF is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.00, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.49 | ||
| Fwd PE | 19.24 |
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 | 15.42 | ||
| 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)7.23
PEG (5Y)1.83
EPS Next 2Y-0.31%
EPS Next 3Y-0.49%
5. Dividend
5.1 Amount
BANF has a Yearly Dividend Yield of 1.57%.
Compared to an average industry Dividend Yield of 3.21, BANF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.36, BANF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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 Years26
Div Non Decr Years28
5.3 Sustainability
BANF pays out 27.14% of its income as dividend. This is a sustainable payout ratio.
DP27.14%
EPS Next 2Y-0.31%
EPS Next 3Y-0.49%
BANCFIRST CORP
NASDAQ:BANF (12/26/2024, 4:30:00 PM)
After market: 121.21 0 (0%)121.21
+0.99 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.9%
Inst Owner Change10.77%
Ins Owners2.45%
Ins Owner Change-10.17%
Market Cap4.02B
Analysts47.5
Price Target114.58 (-5.47%)
Short Float %1.99%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
Dividend Growth(5Y)11.78%
DP27.14%
Div Incr Years26
Div Non Decr Years28
Ex-Date
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)0%
PT rev (3m)8.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20.9%
EPS NY rev (1m)0%
EPS NY rev (3m)4.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.49 | ||
| Fwd PE | 19.24 | ||
| P/S | 6.49 | ||
| P/FCF | 15.42 | ||
| P/OCF | 14 | ||
| P/B | 2.53 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.22
EY5.13%
EPS(NY)6.3
Fwd EY5.2%
FCF(TTM)7.86
FCFY6.49%
OCF(TTM)8.66
OCFY7.14%
SpS18.68
BVpS47.83
TBVpS41.9
PEG (NY)7.23
PEG (5Y)1.83
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)1.69%
ROA(5y)1.54%
ROE(3y)14.85%
ROE(5y)13.46%
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 3Y15.8%
PM growth 5Y1.33%
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
WACC12.77%
ROIC/WACCN/A
Cap/Depr(3y)109.31%
Cap/Depr(5y)171.63%
Cap/Sales(3y)4.29%
Cap/Sales(5y)6.86%
Profit Quality(3y)103.8%
Profit Quality(5y)99.61%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.47%
EPS 3Y28.33%
EPS 5Y10.66%
EPS Q2Q%15.13%
EPS Next Y2.7%
EPS Next 2Y-0.31%
EPS Next 3Y-0.49%
EPS Next 5YN/A
Revenue 1Y (TTM)0.09%
Revenue growth 3Y11.17%
Revenue growth 5Y9.6%
Sales Q2Q%10.02%
Revenue Next Year3.76%
Revenue Next 2Y3.2%
Revenue Next 3Y3.21%
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 1Y41.27%
FCF growth 3Y33.49%
FCF growth 5Y19.03%
OCF growth 1Y39.3%
OCF growth 3Y14.59%
OCF growth 5Y10.73%