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BANCFIRST CORP (BANF) Stock Fundamental Analysis

NASDAQ:BANF - Nasdaq - US05945F1030 - Common Stock - Currency: USD

112.78  -0.31 (-0.27%)

After market: 112.78 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BANF. BANF was compared to 402 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.


Dividend Valuation Growth Profitability Health

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5

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.
BANF had positive earnings in each of the past 5 years.
Each year in the past 5 years BANF had a positive operating cash flow.
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 Return On Assets of 1.60%. This is amongst the best in the industry. BANF outperforms 92.33% of its industry peers.
With an excellent Return On Equity value of 13.35%, BANF belongs to the best of the industry, outperforming 88.12% of the companies in the same industry.
Industry RankSector Rank
ROA 1.6%
ROE 13.35%
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

With an excellent Profit Margin value of 34.26%, BANF belongs to the best of the industry, outperforming 90.10% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 34.26%
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

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4

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
Compared to 1 year ago, BANF has an improved debt to assets ratio.
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

The Debt to FCF ratio of BANF is 0.38, which is an excellent value as it means it would take BANF, only 0.38 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.38, BANF belongs to the best of the industry, outperforming 85.89% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that BANF is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.05, BANF belongs to the best of the industry, outperforming 81.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Altman-Z N/A
ROIC/WACCN/A
WACC12.76%
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

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.58% over the past year.
Measured over the past years, BANF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.61% on average per year.
Looking at the last year, BANF shows a small growth in Revenue. The Revenue has grown by 3.55% in the last year.
The Revenue has been growing by 8.54% on average over the past years. This is quite good.
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 4.26% on average over the next years.
EPS Next Y0.1%
EPS Next 2Y1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.05%
Revenue Next 2Y4.26%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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 2 4 6

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.51 indicates a rather expensive valuation of BANF.
Based on the Price/Earnings ratio, BANF is valued a bit more expensive than the industry average as 75.50% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of BANF to the average of the S&P500 Index (29.35), we can say BANF is valued slightly cheaper.
The Price/Forward Earnings ratio is 17.50, which indicates a rather expensive current valuation of BANF.
73.76% of the companies in the same industry are cheaper than BANF, based on the Price/Forward Earnings ratio.
BANF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 17.51
Fwd PE 17.5
BANF Price Earnings VS Forward Price EarningsBANF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANF is valued a bit more expensive than the industry average as 63.61% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.69
EV/EBITDA N/A
BANF Per share dataBANF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BANF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)176.22
PEG (5Y)1.82
EPS Next 2Y1.2%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.63%, BANF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.37, BANF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.33, BANF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.63%

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 Years26
Div Non Decr Years28
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 26.70% 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.
DP26.7%
EPS Next 2Y1.2%
EPS Next 3YN/A
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

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BANCFIRST CORP

NASDAQ:BANF (3/7/2025, 8:06:41 PM)

After market: 112.78 0 (0%)

112.78

-0.31 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-16 2025-04-16/amc
Inst Owners55.61%
Inst Owner Change-1.65%
Ins Owners2.31%
Ins Owner Change-1.78%
Market Cap3.75B
Analysts47.5
Price Target128.18 (13.65%)
Short Float %2.35%
Short Ratio4.82
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
Yearly Dividend1.75
Dividend Growth(5Y)7.69%
DP26.7%
Div Incr Years26
Div Non Decr Years28
Ex-Date03-31 2025-03-31 (0.46)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.24%
Min EPS beat(2)1.67%
Max EPS beat(2)8.82%
EPS beat(4)4
Avg EPS beat(4)5.17%
Min EPS beat(4)1.67%
Max EPS beat(4)8.82%
EPS beat(8)7
Avg EPS beat(8)3.08%
EPS beat(12)10
Avg EPS beat(12)5.2%
EPS beat(16)13
Avg EPS beat(16)7.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.04%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)0.72%
Revenue beat(4)3
Avg Revenue beat(4)0.18%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)0.72%
Revenue beat(8)4
Avg Revenue beat(8)-0.46%
Revenue beat(12)7
Avg Revenue beat(12)0.41%
Revenue beat(16)10
Avg Revenue beat(16)1.14%
PT rev (1m)0%
PT rev (3m)11.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
Industry RankSector Rank
PE 17.51
Fwd PE 17.5
P/S 5.94
P/FCF 16.69
P/OCF 14.35
P/B 2.31
P/tB 2.63
EV/EBITDA N/A
EPS(TTM)6.44
EY5.71%
EPS(NY)6.45
Fwd EY5.72%
FCF(TTM)6.76
FCFY5.99%
OCF(TTM)7.86
OCFY6.97%
SpS19
BVpS48.79
TBVpS42.91
PEG (NY)176.22
PEG (5Y)1.82
Profitability
Industry RankSector Rank
ROA 1.6%
ROE 13.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.26%
GM N/A
FCFM 35.56%
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-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Debt/EBITDA N/A
Cap/Depr 169.05%
Cap/Sales 5.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.76%
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)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 Year4.05%
Revenue Next 2Y4.26%
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 1Y6.65%
FCF growth 3Y8.34%
FCF growth 5Y11.23%
OCF growth 1Y12.08%
OCF growth 3Y8.61%
OCF growth 5Y10.44%