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BancFirst
(NASDAQ:BANF)
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Rating:76Outperform
Price Target:
$127.00
▲(14.88% Upside)
Action:Upgraded
Date:10/23/26
BANF’s score is driven primarily by strong fundamental profitability, conservative leverage, and solid cash generation, partially offset by a recent decline in revenue. Technicals are supportive with the stock trading above key moving averages, though near-term momentum looks somewhat extended. Valuation appears fair (P/E ~14.6) with a modest dividend yield, while corporate events are a mild positive due to the completed acquisition expanding the bank’s footprint and balance sheet.
Positive Factors
Strong profitability
BancFirst’s high and improving profitability provides a durable earnings buffer for a regional bank. Strong margins can support capital generation, absorb moderate credit costs, and fund continued investment while preserving flexibility through changing economic conditions.
Negative Factors
Revenue contraction
A shrinking top line indicates that revenue momentum is currently weaker even though margins remain resilient. If the contraction persists, it could constrain earnings growth, reduce operating leverage, and make future profitability increasingly dependent on cost control rather than broader business expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
BancFirst’s high and improving profitability provides a durable earnings buffer for a regional bank. Strong margins can support capital generation, absorb moderate credit costs, and fund continued investment while preserving flexibility through changing economic conditions.
Read all positive factors
BancFirst (BANF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.70B
Dividend Yield1.81%
Average Volume (3M)143.93K
Price to Earnings (P/E)14.6
Beta (1Y)0.78
Revenue Growth4.09%
EPS Growth6.79%
CountryUS
Employees2,260
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.64
Shares Outstanding33,598,743
10 Day Avg. Volume134,368
30 Day Avg. Volume143,930
Financial Highlights & Ratios
PEG Ratio1.44
Price to Book (P/B)1.91
Price to Sales (P/S)4.30
P/FCF Ratio14.95
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue4.25
Enterprise Value/Gross Profit5.05
Enterprise Value/Ebitda8.90
Forecast
1Y Price Target
$123.00Price Target Upside11.26% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)7.72
Revenue Forecast (FY)$748.40M
BancFirst Business Overview & Revenue Model
Company Description
BancFirst Corporation functions as the parent bank holding company for BancFirst, delivering a wide spectrum of commercial banking services to both retail customers and small to mid-sized businesses. Its operations are organized into key divisions...
How the Company Makes Money
BancFirst primarily makes money through net interest income and noninterest income generated from providing banking products and services. Net interest income is earned from the spread between (1) interest and fees collected on earning assets—prim...
BancFirst Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 855.81M | 824.33M | 908.71M | 809.34M | 603.57M | 497.05M |
| Gross Profit | 720.18M | 683.43M | 622.45M | 602.41M | 547.34M | 494.38M |
| EBITDA | 408.45M | 325.92M | 296.96M | 292.14M | 259.48M | 228.44M |
| Net Income | 256.43M | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
Balance Sheet | ||||||
| Total Assets | 13.94B | 14.87B | 13.55B | 12.37B | 12.39B | 9.41B |
| Cash, Cash Equivalents and Short-Term Investments | 4.33B | 226.95M | 3.88B | 3.95B | 4.71B | 2.58B |
| Total Debt | 11.60M | 133.69M | 86.16M | 89.45M | 86.34M | 85.99M |
| Total Liabilities | 8.85B | 13.02B | 11.93B | 10.94B | 11.14B | 8.23B |
| Stockholders Equity | 6.20B | 1.85B | 1.62B | 1.43B | 1.25B | 1.17B |
Cash Flow | ||||||
| Free Cash Flow | 181.57M | 236.97M | 224.55M | 210.54M | 206.49M | 176.68M |
| Operating Cash Flow | 213.71M | 285.28M | 261.20M | 233.04M | 226.27M | 203.93M |
| Investing Cash Flow | -151.28M | 15.54M | -71.39M | -669.71M | -1.52B | 422.88M |
| Financing Cash Flow | 287.54M | 549.77M | 966.50M | -334.79M | 2.41B | -193.71M |
BancFirst Technical Analysis
Positive
110.55
Price Trends
109.40
Positive
111.17
Positive
110.71
Positive
Market Momentum
0.31
Negative
63.79
Neutral
85.05
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BANF, the sentiment is Positive. The current price of 110.55 is above the 20-day moving average (MA) of 107.61, above the 50-day MA of 109.40, and below the 200-day MA of 110.71, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 63.79 is Neutral, neither overbought nor oversold. The STOCH value of 85.05 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BANF.
BancFirst Risk Analysis
BancFirst disclosed 12 risk factors in its most recent earnings report. BancFirst reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BancFirst Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $4.33B | 14.67 | 15.14% | 2.75% | 8.03% | 19.76% | |
76 Outperform | $3.70B | 14.59 | 8.61% | 1.81% | 4.09% | 6.79% | |
74 Outperform | $3.61B | 10.58 | 8.88% | 4.04% | 31.11% | 107.51% | |
68 Neutral | $3.69B | 12.00 | 8.13% | 2.33% | 27.48% | 31.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $3.40B | 10.98 | 9.49% | 5.27% | -5.41% | 45.98% | |
59 Neutral | $3.29B | 12.72 | 7.61% | 3.75% | 121.80% | ― |
* Financial Sector Average
BANF
BancFirst
112.36
1.64
1.48%
FFIN
First Financial Bankshares
30.33
<0.01
<0.01%
FIBK
First Interstate Bancsystem
36.88
6.85
22.82%
RNST
Renasant
41.44
7.40
21.72%
SFNC
Simmons 1st Nat'l
23.32
6.17
35.99%
WSBC
WesBanco
39.13
9.13
30.44%
BancFirst Corporate Events
Business Operations and StrategyM&A Transactions
BancFirst Completes Acquisition of Oklahoma-Based SpiritBank Operations
Positive
Oct 23, 2026
On October 22, 2026, BancFirst Corporation completed the acquisition of Spirit BankCorp, Inc. and its subsidiary SpiritBank, a privately held community bank headquartered in Tulsa, Oklahoma. SpiritBank, which was merged into BancFirst upon closing...
Business Operations and StrategyDividends
BancFirst Announces Quarterly Dividend and Interest Payments
Positive
Sep 21, 2026
On September 21, 2026, BancFirst Corporation’s board declared a quarterly cash dividend of $0.52 per share on its common stock, payable on October 15, 2026, to shareholders of record as of September 30, 2026. The move underscores the bank...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.