Bancfirst Corp. (BANF)
NASDAQ:BANF
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BancFirst
(NASDAQ:BANF)
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Rating:71Outperform
Price Target:
$125.00
▲(7.09% Upside)
Action:Reiterated
Date:06/11/26
The score is driven primarily by strong financial quality—high profitability, low leverage, and solid ROE—tempered by recent revenue softness and some cash-flow variability. Technical signals are mixed (below the 200D and slightly negative MACD), while valuation is reasonable and corporate events are modestly positive due to the announced acquisition and continued dividends.
Positive Factors
High Profitability
Sustained high net margins (~32% TTM) and multi-year earnings growth indicate durable operating profitability for a regional bank. This margin cushion supports earnings through rate cycles, funds capital returns, and provides room to absorb credit or expense shocks without needing structural changes.
Negative Factors
Revenue Softness
A persistent TTM revenue decline (-6.8%) signals top-line pressure that may reflect slower loan growth or compressing fee income. Without renewed asset growth or margin expansion, prolonged revenue weakness could limit EPS upside and make capital allocation choices (dividends, buybacks, M&A) more constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high net margins (~32% TTM) and multi-year earnings growth indicate durable operating profitability for a regional bank. This margin cushion supports earnings through rate cycles, funds capital returns, and provides room to absorb credit or expense shocks without needing structural changes.
Read all positive factors
BancFirst (BANF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.74B
Dividend Yield1.7%
Average Volume (3M)120.87K
Price to Earnings (P/E)15.1
Beta (1Y)0.83
Revenue Growth4.32%
EPS Growth10.56%
CountryUS
Employees2,135
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.41
Shares Outstanding33,586,388
10 Day Avg. Volume153,847
30 Day Avg. Volume120,873
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 Cap-0.23
Enterprise Value/Revenue-1.04
Enterprise Value/Gross Profit-1.24
Enterprise Value/Ebitda-2.61
Forecast
1Y Price Target
$125.00Price Target Upside7.09% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)7.32
Revenue Forecast (FY)$721.75M
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 makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on earning assets—mainly commercial, real estate, agricultural, and consu...
BancFirst Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 834.53M | 824.33M | 908.71M | 809.34M | 603.57M | 497.05M |
| Gross Profit | 697.03M | 683.43M | 622.45M | 602.41M | 547.34M | 494.38M |
| EBITDA | 332.14M | 325.92M | 296.96M | 292.14M | 259.48M | 228.44M |
| Net Income | 247.49M | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
Balance Sheet | ||||||
| Total Assets | 15.12B | 14.87B | 13.55B | 12.37B | 12.39B | 9.41B |
| Cash, Cash Equivalents and Short-Term Investments | 5.57B | 226.95M | 3.88B | 3.95B | 4.71B | 2.58B |
| Total Debt | 101.22M | 133.69M | 86.16M | 89.45M | 86.34M | 85.99M |
| Total Liabilities | 13.21B | 13.02B | 11.93B | 10.94B | 11.14B | 8.23B |
| Stockholders Equity | 1.90B | 1.85B | 1.62B | 1.43B | 1.25B | 1.17B |
Cash Flow | ||||||
| Free Cash Flow | 236.39M | 236.97M | 224.55M | 210.54M | 206.49M | 176.68M |
| Operating Cash Flow | 284.17M | 285.28M | 261.20M | 233.04M | 226.27M | 203.93M |
| Investing Cash Flow | 62.26M | 15.54M | -71.39M | -669.71M | -1.52B | 422.88M |
| Financing Cash Flow | 363.94M | 549.77M | 966.50M | -334.79M | 2.41B | -193.71M |
BancFirst Technical Analysis
Negative
116.72
Price Trends
112.08
Negative
111.41
Negative
113.44
Negative
Market Momentum
0.48
Negative
48.95
Neutral
32.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BANF, the sentiment is Negative. The current price of 116.72 is above the 20-day moving average (MA) of 111.50, above the 50-day MA of 112.08, and above the 200-day MA of 113.44, indicating a bearish trend. The MACD of 0.48 indicates Negative momentum. The RSI at 48.95 is Neutral, neither overbought nor oversold. The STOCH value of 32.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $3.93B | 11.61 | 9.41% | 3.02% | 4.20% | 29.58% | |
77 Outperform | $4.33B | 12.49 | 9.93% | ― | 3.26% | 329.26% | |
76 Outperform | $4.57B | 11.01 | 13.16% | 2.03% | 2.00% | 2.22% | |
76 Outperform | $4.40B | 14.84 | 16.32% | 1.82% | 2.58% | 23.10% | |
75 Outperform | $4.85B | 9.78 | 10.04% | 3.51% | 16.97% | 234.25% | |
71 Outperform | $3.74B | 15.09 | 13.62% | 1.70% | 4.32% | 10.56% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BANF
BancFirst
111.34
-9.99
-8.24%
ASB
Associated Banc-Corp
29.38
6.45
28.13%
IBOC
International Bancshares
75.11
10.89
16.95%
TCBI
Texas Capital Bancshares
99.60
22.50
29.18%
UCB
United Community Banks
33.38
5.60
20.15%
SFBS
ServisFirst Bancshares
81.92
7.15
9.56%
BancFirst Corporate Events
Business Operations and StrategyM&A Transactions
BancFirst to Acquire Spirit BankCorp, Expanding Oklahoma Presence
Positive
Jun 10, 2026
On June 10, 2026, BancFirst Corporation agreed to acquire Spirit BankCorp, Inc. and its subsidiary SpiritBank, a privately held community bank based in Tulsa, Oklahoma, with about $939.6 million in assets, $618.4 million in loans, and $847.2 milli...
Executive/Board ChangesDividendsShareholder Meetings
BancFirst Shareholders Back Board, Declare Quarterly Dividend
Positive
May 28, 2026
At its May 28, 2026 annual meeting, BancFirst Corporation’s shareholders voted on three key governance items, with 30.4 million of 33.6 million eligible shares represented. Investors elected all 17 board nominees, ratified Forvis Mazars, LLP...
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.