BancFirst (BANF) AI Stock Analysis

• Market Cap: $4.21B
• Dividend Yield: 1.48%
• Average Volume (3M): 122.48K
• Price to Earnings (P/E): 18.3
• Beta (1Y): 0.82
• Revenue Growth: 9.63%
• EPS Growth: 15.57%
• Country: US
• Employees: 2,135
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.85
• Shares Outstanding: 33,309,310
• 10 Day Avg. Volume: 110,298
• 30 Day Avg. Volume: 122,479
• PEG Ratio: 11.55
• Price to Book (P/B): 2.39
• Price to Sales (P/S): 4.26
• P/FCF Ratio: 17.25
• Enterprise Value/Market Cap: 0.95
• Enterprise Value/Revenue: 4.28
• Enterprise Value/Gross Profit: 6.11
• Enterprise Value/Ebitda: 12.58
• 1Y Price Target: $135.00
• Price Target Upside: 6.69% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

• Rating: 67 Neutral
• Price Target: $137.00 ▲(8.27% Upside)

BancFirst's strong financial performance is the most significant factor, reflecting robust revenue growth and profitability. However, technical analysis indicates bearish market momentum, which could pose short-term challenges. The valuation is moderate, with a reasonable P/E ratio but a low dividend yield. The absence of earnings call data and corporate events does not impact the score.

BancFirst Business Overview & Revenue Model

Company Description

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. It operates through Metropolitan Banks, Community Banks, Pegasus Bank, and Other Financial Services segments. The company offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. It also provides commercial, financial, and other loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, the company engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services. Further, it is involved in real estate investment and insurance agency services; and providing funds transfer, collection, safe deposit box, cash management, and other services. The company serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates through 108 banking locations in Oklahoma and 3 banking locations in Dallas, Texas. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.

How the Company Makes Money

BancFirst generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company offers various loan products, including commercial loans, consumer loans, and real estate loans, which contribute significantly to its interest income. Additionally, BancFirst earns non-interest income through service fees, transaction fees, and charges related to wealth management and investment services. Strategic partnerships with local businesses and community organizations further enhance its customer base and revenue potential. Moreover, BancFirst focuses on maintaining a diversified portfolio and managing risk effectively to support its financial performance.

BancFirst Financial Statement Overview

Summary

BancFirst demonstrates a strong financial position with impressive revenue growth, profitability, and efficient operations. The balance sheet reflects sound financial management with low leverage and solid equity backing. Cash flow generation is healthy, supporting ongoing business activities and strategic initiatives. While the company maintains a positive trajectory, careful attention to balance sheet volatility and cash flow fluctuations is advised to sustain long-term growth.

Income Statement

BancFirst shows strong financial performance with a consistent increase in total revenue over the years, reflected in a robust revenue growth rate. The gross profit margin and net profit margin are healthy, indicating efficient cost management and profitability. The EBIT and EBITDA margins also demonstrate strong operational efficiency. However, the pace of growth has slightly decelerated in the TTM period compared to previous years.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio, highlighting conservative financial leverage. The return on equity is commendable, showing effective use of shareholders' funds to generate profit. The equity ratio indicates a strong equity base, although recent changes in total assets and liabilities suggest potential volatility in the company's balance sheet structure.

Cash Flow

Cash flow analysis reveals robust operating cash flows, comfortably covering net income, as seen in a favorable operating cash flow to net income ratio. Free cash flow generation is consistent, supporting growth initiatives and shareholder returns. The free cash flow growth rate is positive, although some fluctuations in investing and financing cash flows may pose risks to sustaining future cash flow stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	937.61M	908.71M	809.34M	603.57M	497.05M	464.34M
Gross Profit	656.15M	622.45M	602.41M	547.34M	494.38M	381.24M
EBITDA	318.80M	296.96M	292.14M	259.48M	228.44M	141.94M
Net Income	233.84M	216.35M	212.47M	193.10M	167.63M	99.59M
Balance Sheet
Total Assets	14.05B	13.55B	12.37B	12.39B	9.41B	9.21B
Cash, Cash Equivalents and Short-Term Investments	4.33B	3.88B	3.95B	4.71B	2.58B	2.17B
Total Debt	92.05M	86.16M	89.45M	86.34M	85.99M	27.90M
Total Liabilities	12.32B	11.93B	10.94B	11.14B	8.23B	8.14B
Stockholders Equity	1.73B	1.62B	1.43B	1.25B	1.17B	1.07B
Cash Flow
Free Cash Flow	74.35M	224.55M	210.54M	206.49M	176.68M	88.41M
Operating Cash Flow	94.72M	261.20M	233.04M	226.27M	203.93M	154.85M
Investing Cash Flow	263.46M	-71.39M	-669.71M	-1.52B	422.88M	-898.51M
Financing Cash Flow	990.79M	966.50M	-334.79M	2.41B	-193.71M	492.28M

BancFirst Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 126.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BANF, the sentiment is Neutral. The current price of 126.53 is below the 20-day moving average (MA) of 130.29, below the 50-day MA of 128.21, and above the 200-day MA of 120.55, indicating a neutral trend. The MACD of -1.03 indicates Positive momentum. The RSI at 43.32 is Neutral, neither overbought nor oversold. The STOCH value of 20.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BANF.

BancFirst Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SFBS	74 Outperform	$4.43B	17.76	15.46%	1.65%	8.15%	26.16%
UCB	74 Outperform	$3.78B	14.14	7.81%	3.08%	3.00%	42.78%
TCBI	73 Outperform	$3.85B	33.69	4.01%	―	6.86%	-8.81%
ASB	72 Outperform	$4.26B	33.86	3.07%	3.54%	-1.23%	-34.14%
IBOC	68 Neutral	$4.27B	10.39	14.71%	2.04%	1.99%	2.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BANF	67 Neutral	$4.21B	18.26	14.43%	1.48%	9.63%	15.57%

BancFirst Corporate Events

BancFirst Announces Quarterly Dividend and Interest Payment

On August 28, 2025, BancFirst Corporation announced a quarterly cash dividend of $0.49 per share on its common stock, payable on October 15, 2025, to shareholders recorded by September 30, 2025. Additionally, BancFirst will make an interest payment on its Junior Subordinated Debentures, with proceeds used to pay a $0.45 per share dividend on trust preferred securities, also payable on October 15, 2025, to shareholders recorded by September 30, 2025.