BANCFIRST CORP (BANF) Stock Fundamental Analysis
USA - NASDAQ:BANF - US05945F1030 - Common Stock
108.86 USD
-0.86 (-0.78%)
108.86 USD
0 (0%)
BANF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. BANF has only an average score on both its financial health and profitability. While showing a medium growth rate, BANF is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
BANF had positive earnings in the past year.
In the past year BANF had a positive cash flow from operations.
In the past 5 years BANF has always been profitable.
In the past 5 years BANF always reported a positive cash flow from operatings.
1.2 Ratios
BANF has a Return On Assets of 1.66%. This is amongst the best in the industry. BANF outperforms 92.56% of its industry peers.
BANF has a Return On Equity of 13.53%. This is amongst the best in the industry. BANF outperforms 89.74% 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 92.56% 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.
Compared to 1 year ago, BANF has more shares outstanding
The number of shares outstanding for BANF has been increased compared to 5 years ago.
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.
With an excellent Debt to FCF ratio value of 0.45, BANF belongs to the best of the industry, outperforming 82.05% of the companies in the same industry.
BANF has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
BANF's Debt to Equity ratio of 0.05 is amongst the best of the industry. BANF outperforms 80.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BANF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.34%, which is quite good.
The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.
BANF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.70%.
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)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
BANF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.75% yearly.
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
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
BANF is valuated correctly with a Price/Earnings ratio of 15.44.
Compared to the rest of the industry, the Price/Earnings ratio of BANF indicates a slightly more expensive valuation: BANF is more expensive than 71.79% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BANF to the average of the S&P500 Index (26.10), we can say BANF is valued slightly cheaper.
The Price/Forward Earnings ratio is 15.11, which indicates a correct valuation of BANF.
Based on the Price/Forward Earnings ratio, BANF is valued a bit more expensive than 74.62% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, BANF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.44 | ||
| Fwd PE | 15.11 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.17
PEG (5Y)1.61
EPS Next 2Y5.75%
EPS Next 3Y3.75%
5. Dividend
5.1 Amount
BANF has a Yearly Dividend Yield of 1.79%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.52, BANF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.37, BANF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.79% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
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%
108.86
-0.86 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.59%
Inst Owner Change-0.08%
Ins Owners3.88%
Ins Owner Change0.23%
Market Cap3.63B
Revenue(TTM)672.56M
Net Income(TTM)233.84M
Analysts47.5
Price Target124.1 (14%)
Short Float %3.51%
Short Ratio6.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.79% |
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)-8.29%
PT rev (3m)0.55%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.44 | ||
| Fwd PE | 15.11 | ||
| P/S | 5.49 | ||
| P/FCF | 17.75 | ||
| P/OCF | 14.52 | ||
| P/B | 2.1 | ||
| P/tB | 2.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY6.48%
EPS(NY)7.2
Fwd EY6.62%
FCF(TTM)6.13
FCFY5.63%
OCF(TTM)7.49
OCFY6.88%
SpS19.82
BVpS51.85
TBVpS46.04
PEG (NY)1.17
PEG (5Y)1.61
Graham Number90.69
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
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 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
WACC14.27%
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.