BANCFIRST CORP (BANF) Stock Fundamental Analysis
USA - NASDAQ:BANF - US05945F1030 - Common Stock
135.16 USD
+4.03 (+3.07%)
BANF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and the financial health of BANF get a neutral evaluation. Nothing too spectacular is happening here. BANF is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
BANF had positive earnings in the past year.
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
The Return On Assets of BANF (1.66%) is better than 92.35% of its industry peers.
BANF's Return On Equity of 13.53% is amongst the best of the industry. BANF outperforms 88.78% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
BANF has a Profit Margin of 35.39%. This is amongst the best in the industry. BANF outperforms 92.35% 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) | 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
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 increased compared to 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.
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.
Looking at the Debt to FCF ratio, with a value of 0.45, BANF belongs to the top of the industry, outperforming 82.65% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
BANF has a better Debt to Equity ratio (0.05) than 80.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.03% over the past year.
The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.
The Revenue has grown by 9.44% in the past year. This is quite good.
Measured over the past years, BANF shows a quite strong growth in Revenue. The Revenue has been growing by 8.54% on average per year.
EPS 1Y (TTM)16.03%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%22.52%
Revenue 1Y (TTM)9.44%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%10.05%
3.2 Future
BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
Based on estimates for the next years, BANF will show a small growth in Revenue. The Revenue will grow by 6.37% on average per year.
EPS Next Y14.04%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.79%
Revenue Next 2Y6.37%
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.
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 19.45 indicates a rather expensive valuation of BANF.
77.55% of the companies in the same industry are cheaper than BANF, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.20, BANF is valued a bit cheaper.
A Price/Forward Earnings ratio of 18.56 indicates a rather expensive valuation of BANF.
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 76.79% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. BANF is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.45 | ||
| Fwd PE | 18.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than 70.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.03 | ||
| EV/EBITDA | N/A |
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)1.39
PEG (5Y)2.02
EPS Next 2Y6.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.46%, BANF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.73, BANF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.38, BANF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.46% |
5.2 History
On average, the dividend of BANF grows each year by 7.69%, which is quite nice.
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
5.3 Sustainability
BANF pays out 25.66% of its income as dividend. This is a sustainable payout ratio.
BANF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.66%
EPS Next 2Y6.34%
EPS Next 3YN/A
NASDAQ:BANF (9/18/2025, 3:58:01 PM)
135.16
+4.03 (+3.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.09%
Inst Owner Change0.46%
Ins Owners3.88%
Ins Owner Change0.23%
Market Cap4.50B
Analysts47.5
Price Target135.32 (0.12%)
Short Float %3.12%
Short Ratio5.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.46% |
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP25.66%
Div Incr Years27
Div Non Decr Years29
Ex-Date
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)0%
PT rev (3m)9.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.37%
EPS NY rev (1m)7.04%
EPS NY rev (3m)7.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.45 | ||
| Fwd PE | 18.56 | ||
| P/S | 6.81 | ||
| P/FCF | 22.03 | ||
| P/OCF | 18.02 | ||
| P/B | 2.61 | ||
| P/tB | 2.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.95
EY5.14%
EPS(NY)7.28
Fwd EY5.39%
FCF(TTM)6.14
FCFY4.54%
OCF(TTM)7.5
OCFY5.55%
SpS19.84
BVpS51.88
TBVpS46.06
PEG (NY)1.39
PEG (5Y)2.02
Profitability
| Industry Rank | Sector 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
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector 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
WACC13.29%
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)16.03%
EPS 3Y8.59%
EPS 5Y9.61%
EPS Q2Q%22.52%
EPS Next Y14.04%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.44%
Revenue growth 3Y9.14%
Revenue growth 5Y8.54%
Sales Q2Q%10.05%
Revenue Next Year8.79%
Revenue Next 2Y6.37%
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 1Y-4.86%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y5.98%
OCF growth 3Y8.61%
OCF growth 5Y10.44%