8-K Announcements
6Apr 16, 2026·SEC
Feb 27, 2026·SEC
Jan 23, 2026·SEC
BancFirst Corporation (BANF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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BancFirst Corporation (BANF) stock price & volume — 10-year historical chart
BancFirst Corporation (BANF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
BancFirst Corporation (BANF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $1.85vs $1.76+5.1% | $179Mvs $177M+1.0% |
| Q1 2026 | Jan 23, 2026 | $1.75vs $1.78-1.7% | $181Mvs $174M+4.2% |
| Q1 2026 | Jan 22, 2026 | $1.75vs $1.78-1.7% | $181Mvs $174M+4.2% |
| Q4 2025 | Oct 17, 2025 | $1.85vs $1.86-0.5% | $175Mvs $175M+0.2% |
BancFirst Corporation (BANF) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
BancFirst Corporation (BANF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BancFirst Corporation (BANF) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 227.14M | 260.48M | 281.92M | 306.67M | 315.66M | 373.67M | 424.46M | 446.87M | 383.1M |
NII Growth % | 11.44% | 14.68% | 8.23% | 8.78% | 2.93% | 18.38% | 13.59% | 5.28% | -14.27% |
Net Interest Margin % | 3.13% | 3.44% | 3.29% | 3.33% | 3.36% | 3.02% | 3.43% | 3.3% | 2.58% |
Interest Income | 248.07M | 303.2M | 336.66M | 327.11M | 327.02M | 419.82M | 623.94M | 724.14M | 692.96M |
Interest Expense | 20.93M | 42.73M | 54.74M | 20.45M | 11.36M | 46.15M | 199.48M | 277.26M | 309.87M |
Loan Loss Provision | 8.51M | 3.8M | 8.29M | 62.65M | -8.69M | 10.08M | 7.46M | 9M | -168.97M |
Non-Interest Income | 118.07M | 125.2M | 137.23M | 137.22M | 170.03M | 183.75M | 185.41M | 184.57M | 131.36M |
Non-Interest Income % | 32.25% | 29.22% | 28.96% | 29.55% | 34.21% | 30.44% | 22.91% | 20.31% | 15.94% |
Total Revenue | 366.14M▲ 0% | 428.4M▲ 17.0% | 473.89M▲ 10.6% | 464.34M▼ 2.0% | 497.05M▲ 7.0% | 603.57M▲ 21.4% | 809.34M▲ 34.1% | 908.71M▲ 12.3% | 824.33M▼ 9.3% |
Revenue Growth % | 12.45% | 17.01% | 10.62% | -2.02% | 7.05% | 21.43% | 34.09% | 12.28% | -9.29% |
Non-Interest Expense | 200.39M | 222.12M | 241.3M | 257.73M | 285.98M | 309.91M | 332.46M | 347.16M | 379.84M |
Efficiency Ratio | 54.73% | 51.85% | 50.92% | 55.51% | 57.54% | 51.35% | 41.08% | 38.2% | 46.08% |
Operating Income | 136.31M▲ 0% | 159.75M▲ 17.2% | 169.56M▲ 6.1% | 123.51M▼ 27.2% | 208.4M▲ 68.7% | 237.43M▲ 13.9% | 269.95M▲ 13.7% | 275.28M▲ 2.0% | 303.38M▲ 10.2% |
Operating Margin % | 37.23% | 37.29% | 35.78% | 26.6% | 41.93% | 39.34% | 33.35% | 30.29% | 36.8% |
Operating Income Growth % | 26.28% | 17.2% | 6.14% | -27.16% | 68.73% | 13.93% | 13.69% | 1.98% | 10.21% |
Pretax Income | 136.31M▲ 0% | 159.75M▲ 17.2% | 169.56M▲ 6.1% | 123.51M▼ 27.2% | 208.4M▲ 68.7% | 237.43M▲ 13.9% | 269.95M▲ 13.7% | 275.28M▲ 2.0% | 305.12M▲ 10.8% |
Pretax Margin % | 37.23% | 37.29% | 35.78% | 26.6% | 41.93% | 39.34% | 33.35% | 30.29% | 37.01% |
Income Tax | 49.87M | 33.94M | 34.68M | 23.93M | 40.77M | 44.33M | 57.48M | 58.93M | 64.51M |
Effective Tax Rate % | 36.58% | 21.24% | 20.45% | 19.37% | 19.56% | 18.67% | 21.29% | 21.41% | 21.14% |
Net Income | 86.44M▲ 0% | 125.81M▲ 45.6% | 134.88M▲ 7.2% | 99.59M▼ 26.2% | 167.63M▲ 68.3% | 193.1M▲ 15.2% | 212.47M▲ 10.0% | 216.35M▲ 1.8% | 240.61M▲ 11.2% |
Net Margin % | 23.61% | 29.37% | 28.46% | 21.45% | 33.72% | 31.99% | 26.25% | 23.81% | 29.19% |
Net Income Growth % | 22.31% | 45.55% | 7.21% | -26.17% | 68.33% | 15.19% | 10.03% | 1.83% | 11.21% |
Net Income (Continuing) | 86.44M | 125.81M | 134.88M | 99.59M | 167.63M | 193.1M | 212.47M | 216.35M | 240.61M |
EPS (Diluted) | 2.65▲ 0% | 3.76▲ 41.9% | 4.05▲ 7.7% | 3.00▼ 25.9% | 5.03▲ 67.7% | 5.77▲ 14.7% | 6.34▲ 9.9% | 6.44▲ 1.6% | 7.12▲ 10.6% |
EPS Growth % | 19.37% | 41.89% | 7.71% | -25.93% | 67.67% | 14.71% | 9.88% | 1.58% | 10.56% |
EPS (Basic) | 2.72 | 3.85 | 4.13 | 3.05 | 5.12 | 5.89 | 6.45 | 6.55 | 7.22 |
Diluted Shares Outstanding | 32.57M | 33.43M | 33.33M | 33.21M | 33.31M | 33.44M | 33.49M | 33.62M | 33.91M |
BancFirst Corporation (BANF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.22B | 2.19B | 2.36B | 2.17B | 2.58B | 4.71B | 3.95B | 3.88B | 226.95M |
Cash & Due from Banks | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 3.55B | 226.95M |
Short Term Investments | 462M | 770.7M | 489.72M | 552.23M | 531.52M | 1.54B | 1.55B | 329.92M | 0 |
Total Investments | 5.14B | 5.7B | 6.11B | 6.91B | 6.64B | 8.4B | 9.12B | 9.15B | 13.83B |
Investments Growth % | 6.42% | 10.97% | 7.11% | 13.12% | -3.87% | 26.38% | 8.58% | 0.3% | 51.17% |
Long-Term Investments | 4.68B | 4.93B | 5.62B | 6.36B | 6.11B | 6.86B | 7.56B | 8.82B | 13.83B |
Accounts Receivables | 150.44M | 167.84M | 202.85M | 220.61M | 234M | 301.55M | 0 | 0 | 0 |
Goodwill & Intangibles | 65.12M | 96.22M | 171.21M | 168.92M | 167.49M | 202.04M | 198.97M | 195.42M | 204.1M |
Goodwill | 54.04M | 79.75M | 148.6M | 149.92M | 149.92M | 182.06M | 182.26M | 182.26M | 182.74M |
Intangible Assets | 11.08M | 16.47M | 22.61M | 19M | 17.57M | 19.98M | 16.7M | 13.16M | 21.36M |
PP&E (Net) | 134.09M | 174.36M | 206.28M | 261.68M | 269.05M | 278.09M | 278.59M | 295.94M | 352.19M |
Other Assets | 4.84M | 6.69M | 6.61M | 32.18M | 40.27M | 39.61M | 378.59M | 363.74M | 180.45M |
Total Current Assets | 2.37B | 2.36B | 2.56B | 2.39B | 2.82B | 5.01B | 3.95B | 3.88B | 268.75M |
Total Non-Current Assets | 4.88B | 5.21B | 6B | 6.82B | 6.59B | 7.38B | 8.42B | 9.67B | 14.61B |
Total Assets | 7.25B▲ 0% | 7.57B▲ 4.4% | 8.57B▲ 13.1% | 9.21B▲ 7.5% | 9.41B▲ 2.1% | 12.39B▲ 31.7% | 12.37B▼ 0.1% | 13.55B▲ 9.6% | 14.87B▲ 9.7% |
Asset Growth % | 3.34% | 4.43% | 13.09% | 7.55% | 2.1% | 31.71% | -0.13% | 9.56% | 9.74% |
Return on Assets (ROA) | 1.21% | 1.7% | 1.67% | 1.12% | 1.8% | 1.77% | 1.72% | 1.67% | 1.69% |
Accounts Payable | 29.62M | 37.49M | 49.23M | 51.86M | 55.98M | 76.45M | 0 | 0 | 0 |
Total Debt | 32.86M | 28.48M | 27.9M | 27.9M | 85.99M | 86.34M | 89.45M | 86.16M | 133.69M |
Net Debt | -1.73B | -1.4B | -1.84B | -1.59B | -1.96B | -3.08B | -2.31B | -3.47B | -93.27M |
Long-Term Debt | 31.96M | 26.8M | 26.8M | 26.8M | 85.99M | 86.04M | 86.1M | 86.16M | 98.21M |
Short-Term Debt | 900K | 1.68M | 1.1M | 1.1M | 0 | 300K | 3.35M | 0 | 13.22M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 148.58M | 128.42M | 12.85B |
Total Current Liabilities | 6.45B | 6.64B | 7.53B | 8.12B | 8.15B | 11.05B | 10.7B | 11.72B | 13.22M |
Total Non-Current Liabilities | 31.96M | 26.8M | 26.8M | 26.8M | 85.99M | 86.04M | 234.68M | 214.58M | 13.01B |
Total Liabilities | 6.48B | 6.67B | 7.56B | 8.14B | 8.23B | 11.14B | 10.94B | 11.93B | 13.02B |
Total Equity | 775.63M▲ 0% | 902.79M▲ 16.4% | 1B▲ 11.3% | 1.07B▲ 6.3% | 1.17B▲ 9.7% | 1.25B▲ 6.8% | 1.43B▲ 14.6% | 1.62B▲ 13.1% | 1.85B▲ 14.4% |
Equity Growth % | 9.08% | 16.39% | 11.32% | 6.26% | 9.72% | 6.75% | 14.63% | 13.06% | 14.37% |
Equity / Assets (Capital Ratio) | 10.69% | 11.92% | 11.73% | 11.59% | 12.46% | 10.1% | 11.59% | 11.96% | 12.46% |
Return on Equity (ROE) | 11.63% | 14.99% | 14.14% | 9.61% | 14.97% | 15.94% | 15.83% | 14.16% | 13.85% |
Book Value per Share | 23.82 | 27.00 | 30.15 | 32.15 | 35.17 | 37.41 | 42.81 | 48.23 | 54.68 |
Tangible BV per Share | 21.82 | 24.13 | 25.02 | 27.07 | 30.14 | 31.36 | 36.87 | 42.41 | 48.66 |
Common Stock | 31.89M | 32.6M | 32.69M | 32.72M | 32.6M | 32.88M | 32.93M | 33.22M | 33.54M |
Additional Paid-in Capital | 107.48M | 149.71M | 153.35M | 156.57M | 159.91M | 169.23M | 174.69M | 187.06M | 217.84M |
Retained Earnings | 638.58M | 722.62M | 815.49M | 871.16M | 977.07M | 1.12B | 1.28B | 1.43B | 1.61B |
Accumulated OCI | -2.33M | -2.14M | 3.45M | 7.43M | 2.15M | -71.56M | -50.04M | -32.86M | -8.27M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BancFirst Corporation (BANF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 109.75M | 140.01M | 158.96M | 154.85M | 203.93M | 226.27M | 233.04M | 261.2M | 285.28M |
Operating CF Growth % | 21.21% | 27.57% | 13.53% | -2.58% | 31.69% | 10.95% | 2.99% | 12.08% | 9.22% |
Net Income | 86.44M | 125.81M | 134.88M | 99.59M | 167.63M | 193.1M | 212.47M | 216.35M | 240.61M |
Depreciation & Amortization | 11.79M | 13.55M | 15.99M | 18.42M | 20.04M | 22.05M | 22.19M | 21.68M | 22.54M |
Deferred Taxes | 4.38M | 3.15M | 1.15M | -9.49M | 7.04M | 322K | -2.79M | -2.2M | -904K |
Other Non-Cash Items | 8.87M | -1.65M | 4.79M | 46.78M | 3.49M | 22.58M | 336K | 16.1M | 17.25M |
Working Capital Changes | -2.92M | -2.21M | 870K | -1.97M | 3.6M | -13.72M | -2.16M | 5.82M | 2.05M |
Cash from Investing | -349.78M | -293.8M | 50.35M | -898.51M | 422.88M | -1.52B | -669.71M | -71.39M | 15.54M |
Purchase of Investments | -86M | -469.1M | -179.07M | -607.79M | -478.2M | -1.89B | -454.33M | -391.21M | -371.7M |
Sale/Maturity of Investments | 86.77M | 160.77M | 511.01M | 548.74M | 509.03M | 781.48M | 490.99M | 742.71M | 722.34M |
Net Investment Activity | 771K | -308.33M | 331.94M | -59.05M | 30.83M | -1.1B | 36.66M | 351.5M | 350.65M |
Acquisitions | 0 | 6.25M | 77.67M | 18.4M | 12.6M | 121.1M | 8.04M | 0 | 13.72M |
Other Investing | -332.55M | 60.15M | -332.21M | -791.4M | 406.71M | -515.87M | -691.91M | -386.24M | -300.51M |
Cash from Financing | 147.45M | -179.83M | 234.72M | 492.28M | -193.71M | 2.41B | -334.79M | 966.5M | 549.77M |
Dividends Paid | -24.78M | -30.27M | -39.8M | -42.47M | -45.14M | -48.46M | -53.64M | -57.77M | -62.21M |
Share Repurchases | 0 | -7.91M | -1.6M | -3.1M | -11.66M | 0 | -1.82M | 0 | 0 |
Stock Issued | 4.84M | 2.24M | 2.48M | 1.79M | 2.26M | 7.65M | 2.54M | 9.2M | 4.68M |
Net Stock Activity | 4.84M | -5.68M | 883K | -1.31M | -9.4M | 7.65M | 723K | 9.2M | 4.68M |
Debt Issuance (Net) | 400K | -1000K | -575K | 0 | 1000K | 300K | 1000K | -1000K | -1000K |
Other Financing | 166.99M | -139.51M | 274.22M | 536.06M | -197.22M | 2.46B | -284.92M | 1.02B | 611.28M |
Net Change in Cash | -92.59M▲ 0% | -333.62M▼ 260.3% | 444.03M▲ 233.1% | -251.37M▼ 156.6% | 433.11M▲ 272.3% | 1.12B▲ 158.3% | -771.45M▼ 168.9% | 1.16B▲ 249.9% | 850.59M▼ 26.4% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 1.85B | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 3.55B |
Cash at End | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 3.55B | 4.4B |
Interest Paid | 20.56M | 41.55M | 54.6M | 22.06M | 11.99M | 42.93M | 191.76M | 270.81M | 269.33M |
Income Taxes Paid | 41.06M | 27.95M | 30.98M | 26.52M | 30.6M | 34.64M | 52.4M | 46.56M | 55.13M |
Free Cash Flow | 91.74M▲ 0% | 88.15M▼ 3.9% | 131.9M▲ 49.6% | 88.41M▼ 33.0% | 176.68M▲ 99.8% | 206.49M▲ 16.9% | 210.54M▲ 2.0% | 224.55M▲ 6.7% | 236.97M▲ 5.5% |
FCF Growth % | 15.1% | -3.92% | 49.64% | -32.98% | 99.85% | 16.87% | 1.96% | 6.65% | 5.53% |
BancFirst Corporation (BANF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 10.34% | 11.63% | 14.99% | 14.14% | 9.61% | 14.97% | 15.94% | 15.83% | 14.16% | 13.85% |
Return on Assets (ROA) | 1.03% | 1.21% | 1.7% | 1.67% | 1.12% | 1.8% | 1.77% | 1.72% | 1.67% | 1.69% |
Net Interest Margin | 2.9% | 3.13% | 3.44% | 3.29% | 3.33% | 3.36% | 3.02% | 3.43% | 3.3% | 2.58% |
Efficiency Ratio | 58.78% | 54.73% | 51.85% | 50.92% | 55.51% | 57.54% | 51.35% | 41.08% | 38.2% | 46.08% |
Equity / Assets | 10.13% | 10.69% | 11.92% | 11.73% | 11.59% | 12.46% | 10.1% | 11.59% | 11.96% | 12.46% |
Book Value / Share | 22.35 | 23.82 | 27 | 30.15 | 32.15 | 35.17 | 37.41 | 42.81 | 48.23 | 54.68 |
NII Growth | 7.96% | 11.44% | 14.68% | 8.23% | 8.78% | 2.93% | 18.38% | 13.59% | 5.28% | -14.27% |
Dividend Payout | 32.22% | 28.67% | 24.06% | 29.51% | 42.65% | 26.93% | 25.1% | 25.25% | 26.7% | 25.85% |
BancFirst Corporation (BANF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 16, 2026·SEC
Feb 27, 2026·SEC
Jan 23, 2026·SEC
BancFirst Corporation (BANF) stock FAQ — growth, dividends, profitability & financials explained
BancFirst Corporation (BANF) saw revenue decline by 9.3% over the past year.
Yes, BancFirst Corporation (BANF) is profitable, generating $240.6M in net income for fiscal year 2025 (29.2% net margin).
Yes, BancFirst Corporation (BANF) pays a dividend with a yield of 1.65%. This makes it attractive for income-focused investors.
BancFirst Corporation (BANF) has a return on equity (ROE) of 13.8%. This is reasonable for most industries.
BancFirst Corporation (BANF) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
BancFirst Corporation (BANF) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.