BANF Stock Analysis: BancFirst | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.637m USD | 12M Return: -15.2% | US05945F1030 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 13.5M
EPS Trend: 84.9%
Qual. Beats: 2
Rev. Trend: 10.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
BancFirst Corporation is a bank holding company headquartered in Oklahoma City that provides commercial banking services to retail customers and small to medium-sized businesses, primarily across non-metropolitan trade centers and metropolitan statistical areas in Oklahoma. The company operates through several divisions, including BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services, reflecting a community banking model that pairs local branch networks with specialized lending units.
The company offers a full suite of deposit products, such as checking, savings, money market, health savings, individual retirement, and sweep accounts, along with certificates of deposit and overdraft services. Its lending activities span commercial real estate, construction and development, agricultural, residential, oil and gas, commercial and industrial, energy, and consumer loans, including auto and home equity products.
In addition to traditional banking, BancFirst provides trust and investment management services for individuals, corporations, and employee benefit plans, and acts as bond trustee and paying agent for Oklahoma municipalities. The company also delivers correspondent banking, item processing, cash management, and commercial and personal insurance products, supporting both consumer and institutional clients within its regional footprint.
- Net interest margin compresses as Fed cuts rates
- Oklahoma commercial real estate loan portfolio faces credit cycle risk
- Energy lending exposure tied to oil and gas price volatility
- Mortgage banking revenue declines on higher rate environment
| Net Income: 251.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: -881.6% < 20% (prev -824.3%; Δ -57.37% < -1%) |
| CFO/TA 0.02 > 3% & CFO 289.1m > Net Income 251.8m |
| Net Debt (-5.43b) to EBITDA (337.7m): -16.06 < 3 |
| Current Ratio: 0.46 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.0m) vs 12m ago 0.73% < -2% |
| Gross Margin: 90.52% > 18% (prev 69.98%; Δ 20.54% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 6.68%; Δ -1.31% > 0%) |
| Interest Coverage Ratio: 1.04 > 6 (EBIT TTM 314.9m / Interest Expense TTM 301.3m) |
| A: -0.46 (Total Current Assets 5.95b - Total Current Liabilities 12.8b) / Total Assets 15.1b |
| B: 0.11 (Retained Earnings 1.71b / Total Assets 15.1b) |
| C: 0.02 (EBIT TTM 314.9m / Avg Total Assets 14.6b) |
| D: 0.15 (Book Value of Equity 1.96b / Total Liabilities 13.1b) |
| Altman-Z'' = -2.32 = D |
As of September 27, 2026, the stock is trading at USD 108.71 with a total of 235,375 shares traded. Over the past week, the price has changed by +0.39%, over one month by -2.14%, over three months by -3.63% and over the past year by -15.18%.
Current recommended Stop Loss: 106.10 (which is 2.4% or 1.2 ATR below the current price).
BancFirst has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BANF.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 124.3 | 14.4% |
P/E Trailing = 14.6073
P/E Forward = 18.9753
P/S = 5.0989
P/B = 1.8795
P/EG = 2.0928
Revenue TTM = 781.0m USD
EBIT TTM = 314.9m USD
EBITDA TTM = 337.7m USD
Long Term Debt = 86.2m USD (from longTermDebt, last quarter)
Short Term Debt = 6.00m USD (from shortTermDebt, last quarter)
Debt = 92.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.43b USD (calculated: Debt 92.2m - CCE 5.52b)
Enterprise Value = 3.64b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.04 (Ebit TTM 314.9m / Interest Expense TTM 301.3m)
EV/FCF = 14.83x (Enterprise Value 3.64b / FCF TTM 245.3m)
FCF Yield = 6.74% (FCF TTM 245.3m / Enterprise Value 3.64b)
FCF Margin = 31.41% (FCF TTM 245.3m / Revenue TTM 781.0m)
Net Margin = 32.25% (Net Income TTM 251.8m / Revenue TTM 781.0m)
Gross Margin = 90.52% ((Revenue TTM 781.0m - Cost of Revenue TTM 74.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 73.21%)
Tobins Q-Ratio = 0.24 (Enterprise Value 3.64b / Total Assets 15.1b)
Interest Expense / Debt = 326.7% (Interest Expense 301.3m / Debt 92.2m)
Taxrate = 21.17% (67.6m / 319.5m)
NOPAT = 248.2m (EBIT 314.9m * (1 - 21.17%))
Current Ratio = 0.46 (Total Current Assets 5.95b / Total Current Liabilities 12.8b)
Debt / Equity = 0.05 (Debt 92.2m / totalStockholderEquity, last quarter 1.96b)
Debt / EBITDA = -16.06 (Net Debt -5.43b / EBITDA 337.7m)
Debt / FCF = -22.12 (Net Debt -5.43b / FCF TTM 245.3m)
Total Stockholder Equity = 1.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.73% (Net Income 251.8m / Total Assets 15.1b)
RoE = 13.44% (Net Income TTM 251.8m / Total Stockholder Equity 1.87b)
RoCE = 16.06% (EBIT 314.9m / Capital Employed (Equity 1.87b + L.T.Debt 86.2m))
RoIC = 11.20% (NOPAT 248.2m / Invested Capital 2.22b)
WACC = 7.98% (E(3.64b)/V(3.73b) * Re(8.18%) + (debt cost/tax rate unavailable))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 97.65 | Cagr: 0.70%
[DCF] Terminal Value 77.97% ; FCFF base≈228.9m ; Y1≈262.4m ; Y5≈386.2m
[DCF] Fair Price = 334.5 (EV 5.81b - Net Debt -5.43b = Equity 11.2b / Shares 33.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 84.86 | EPS CAGR: 6.96% | SUE: 2.08 | # QB: 2
Revenue Correlation: 10.32 | Revenue CAGR: 0.71% | SUE: 0.05 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.94 | Chg30d=+4.30% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=7.67 | Chg30d=+3.72% | Revisions=+40% | GrowthEPS=+7.9% | GrowthRev=+8.2%
EPS next Year (2027-12-31): EPS=7.85 | Chg30d=+2.39% | Revisions=+40% | GrowthEPS=+2.4% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +67% (up=6, down=0)