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
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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 $1.77+4.5% | $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
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 203.83M | 227.14M | 260.48M | 281.92M | 306.67M | 315.66M | 373.67M | 424.46M | 446.87M | 478.74M |
| NII Growth % | 7.96% | 11.44% | 14.68% | 8.23% | 8.78% | 2.93% | 18.38% | 13.59% | 5.28% | 39.21% |
| Net Interest Margin % | 2.9% | 3.13% | 3.44% | 3.29% | 3.33% | 3.36% | 3.02% | 3.43% | 3.3% | 3.37% |
| Interest Income | 218.57M | 248.07M | 303.2M | 336.66M | 327.11M | 327.02M | 419.82M | 623.94M | 724.14M | 751.68M |
| Interest Expense | 14.74M | 20.93M | 42.73M | 54.74M | 20.45M | 11.36M | 46.15M | 199.48M | 277.26M | 272.94M |
| Loan Loss Provision | 11.52M | 8.51M | 3.8M | 8.29M | 62.65M | -8.69M | 10.08M | 7.46M | 9M | -62.98M |
| Non-Interest Income | 107.03M | 118.07M | 125.2M | 137.23M | 137.22M | 170.03M | 183.75M | 185.41M | 184.57M | 125.05M |
| Non-Interest Income % | 32.87% | 32.25% | 29.22% | 28.96% | 29.55% | 34.21% | 30.44% | 22.91% | 20.31% | 14.26% |
| Total Revenue | 325.6M▲ 0% | 366.14M▲ 12.4% | 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% | 876.73M▲ 0% |
| Revenue Growth % | 6.11% | 12.45% | 17.01% | 10.62% | -2.02% | 7.05% | 21.43% | 34.09% | 12.28% | -2.8% |
| Non-Interest Expense | 191.4M | 200.39M | 222.12M | 241.3M | 257.73M | 285.98M | 309.91M | 332.46M | 347.16M | 364.79M |
| Efficiency Ratio | 58.78% | 54.73% | 51.85% | 50.92% | 55.51% | 57.54% | 51.35% | 41.08% | 38.2% | 41.61% |
| Operating Income | 107.94M▲ 0% | 136.31M▲ 26.3% | 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% | 301.77M▲ 0% |
| Operating Margin % | 33.15% | 37.23% | 37.29% | 35.78% | 26.6% | 41.93% | 39.34% | 33.35% | 30.29% | 34.42% |
| Operating Income Growth % | 6.65% | 26.28% | 17.2% | 6.14% | -27.16% | 68.73% | 13.93% | 13.69% | 1.98% | - |
| Pretax Income | 107.94M▲ 0% | 136.31M▲ 26.3% | 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% | 301.77M▲ 0% |
| Pretax Margin % | 33.15% | 37.23% | 37.29% | 35.78% | 26.6% | 41.93% | 39.34% | 33.35% | 30.29% | 34.42% |
| Income Tax | 37.26M | 49.87M | 33.94M | 34.68M | 23.93M | 40.77M | 44.33M | 57.48M | 58.93M | 64.18M |
| Effective Tax Rate % | 34.52% | 36.58% | 21.24% | 20.45% | 19.37% | 19.56% | 18.67% | 21.29% | 21.41% | 21.27% |
| Net Income | 70.67M▲ 0% | 86.44M▲ 22.3% | 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% | 237.59M▲ 0% |
| Net Margin % | 21.71% | 23.61% | 29.37% | 28.46% | 21.45% | 33.72% | 31.99% | 26.25% | 23.81% | 27.1% |
| Net Income Growth % | 6.81% | 22.31% | 45.55% | 7.21% | -26.17% | 68.33% | 15.19% | 10.03% | 1.83% | 13.78% |
| Net Income (Continuing) | 70.67M | 86.44M | 125.81M | 134.88M | 99.59M | 167.63M | 193.1M | 212.47M | 216.35M | 237.59M |
| EPS (Diluted) | 2.22▲ 0% | 2.65▲ 19.4% | 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% | 7.02▲ 0% |
| EPS Growth % | 6.73% | 19.37% | 41.89% | 7.71% | -25.93% | 67.67% | 14.71% | 9.88% | 1.58% | 13.18% |
| EPS (Basic) | 2.26 | 2.72 | 3.85 | 4.13 | 3.05 | 5.12 | 5.89 | 6.45 | 6.55 | - |
| Diluted Shares Outstanding | 31.82M | 32.57M | 33.43M | 33.33M | 33.21M | 33.31M | 33.44M | 33.49M | 33.62M | 33.86M |
BancFirst Corporation (BANF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.32B | 2.22B | 2.19B | 2.36B | 2.17B | 2.58B | 4.71B | 3.95B | 3.88B | 16.94B |
| Cash & Due from Banks | 1.85B | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 3.55B | 4.05B |
| Short Term Investments | 465.47M | 462M | 770.7M | 489.72M | 552.23M | 531.52M | 1.54B | 1.55B | 329.92M | 356.28M |
| Total Investments | 4.83B | 5.14B | 5.7B | 6.11B | 6.91B | 6.64B | 8.4B | 9.12B | 9.15B | 9.2B |
| Investments Growth % | 1.55% | 6.42% | 10.97% | 7.11% | 13.12% | -3.87% | 26.38% | 8.58% | 0.3% | -5.86% |
| Long-Term Investments | 4.37B | 4.68B | 4.93B | 5.62B | 6.36B | 6.11B | 6.86B | 7.56B | 8.82B | 35.29B |
| Accounts Receivables | 139.43M | 150.44M | 167.84M | 202.85M | 220.61M | 234M | 301.55M | 0 | 0 | 0 |
| Goodwill & Intangibles | 67.37M | 65.12M | 96.22M | 171.21M | 168.92M | 167.49M | 202.04M | 198.97M | 195.42M | 192.81M |
| Goodwill | 54.04M | 54.04M | 79.75M | 148.6M | 149.92M | 149.92M | 182.06M | 182.26M | 182.26M | 182.26M |
| Intangible Assets | 13.33M | 11.08M | 16.47M | 22.61M | 19M | 17.57M | 19.98M | 16.7M | 13.16M | 10.55M |
| PP&E (Net) | 126.77M | 134.09M | 174.36M | 206.28M | 261.68M | 269.05M | 278.09M | 278.59M | 295.94M | 313.77M |
| Other Assets | 4.23M | 4.84M | 6.69M | 6.61M | 32.18M | 40.27M | 39.61M | 378.59M | 363.74M | 433.32M |
| Total Current Assets | 2.46B | 2.37B | 2.36B | 2.56B | 2.39B | 2.82B | 5.01B | 3.95B | 3.88B | 4.41B |
| Total Non-Current Assets | 4.56B | 4.88B | 5.21B | 6B | 6.82B | 6.59B | 7.38B | 8.42B | 9.67B | 9.79B |
| Total Assets | 7.02B▲ 0% | 7.25B▲ 3.3% | 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% | 14.2B▲ 0% |
| Asset Growth % | 4.87% | 3.34% | 4.43% | 13.09% | 7.55% | 2.1% | 31.71% | -0.13% | 9.56% | 37.87% |
| Return on Assets (ROA) | 1.03% | 1.21% | 1.7% | 1.67% | 1.12% | 1.8% | 1.77% | 1.72% | 1.67% | 1.67% |
| Accounts Payable | 27.34M | 29.62M | 37.49M | 49.23M | 51.86M | 55.98M | 76.45M | 0 | 0 | 0 |
| Total Debt | 32.46M | 32.86M | 28.48M | 27.9M | 27.9M | 85.99M | 86.34M | 89.45M | 86.16M | 97.88M |
| Net Debt | -1.82B | -1.73B | -1.4B | -1.84B | -1.59B | -1.96B | -3.08B | -2.31B | -3.47B | -3.96B |
| Long-Term Debt | 31.96M | 31.96M | 26.8M | 26.8M | 26.8M | 85.99M | 86.04M | 86.1M | 86.16M | 86.2M |
| Short-Term Debt | 500K | 900K | 1.68M | 1.1M | 1.1M | 0 | 300K | 3.35M | 0 | 11.68M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 148.58M | 128.42M | 199.08M |
| Total Current Liabilities | 6.28B | 6.45B | 6.64B | 7.53B | 8.12B | 8.15B | 11.05B | 10.7B | 11.72B | 12.13B |
| Total Non-Current Liabilities | 31.96M | 31.96M | 26.8M | 26.8M | 26.8M | 85.99M | 86.04M | 234.68M | 214.58M | 285.28M |
| Total Liabilities | 6.31B | 6.48B | 6.67B | 7.56B | 8.14B | 8.23B | 11.14B | 10.94B | 11.93B | 12.42B |
| Total Equity | 711.09M▲ 0% | 775.63M▲ 9.1% | 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% | 1.78B▲ 0% |
| Equity Growth % | 8.48% | 9.08% | 16.39% | 11.32% | 6.26% | 9.72% | 6.75% | 14.63% | 13.06% | 53.67% |
| Equity / Assets (Capital Ratio) | 10.13% | 10.69% | 11.92% | 11.73% | 11.59% | 12.46% | 10.1% | 11.59% | 11.96% | 12.56% |
| Return on Equity (ROE) | 10.34% | 11.63% | 14.99% | 14.14% | 9.61% | 14.97% | 15.94% | 15.83% | 14.16% | 13.33% |
| Book Value per Share | 22.35 | 23.82 | 27.00 | 30.15 | 32.15 | 35.17 | 37.41 | 42.81 | 48.23 | 52.65 |
| Tangible BV per Share | 20.23 | 21.82 | 24.13 | 25.02 | 27.07 | 30.14 | 31.36 | 36.87 | 42.41 | 46.95 |
| Common Stock | 31.62M | 31.89M | 32.6M | 32.69M | 32.72M | 32.6M | 32.88M | 32.93M | 33.22M | 33.33M |
| Additional Paid-in Capital | 101.73M | 107.48M | 149.71M | 153.35M | 156.57M | 159.91M | 169.23M | 174.69M | 187.06M | 194.32M |
| Retained Earnings | 577.65M | 638.58M | 722.62M | 815.49M | 871.16M | 977.07M | 1.12B | 1.28B | 1.43B | 1.57B |
| Accumulated OCI | 94K | -2.33M | -2.14M | 3.45M | 7.43M | 2.15M | -71.56M | -50.04M | -32.86M | -12.8M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BancFirst Corporation (BANF) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 90.54M | 109.75M | 140.01M | 158.96M | 154.85M | 203.93M | 226.27M | 233.04M | 261.2M | 261.2M |
| Operating CF Growth % | 15.84% | 21.21% | 27.57% | 13.53% | -2.58% | 31.69% | 10.95% | 2.99% | 12.08% | -68.71% |
| Net Income | 70.67M | 86.44M | 125.81M | 134.88M | 99.59M | 167.63M | 193.1M | 212.47M | 216.35M | 237.59M |
| Depreciation & Amortization | 12.38M | 11.79M | 13.55M | 15.99M | 18.42M | 20.04M | 22.05M | 22.19M | 21.68M | 22.31M |
| Deferred Taxes | -2.05M | 4.38M | 3.15M | 1.15M | -9.49M | 7.04M | 322K | -2.79M | -2.2M | -759K |
| Other Non-Cash Items | 9.32M | 8.87M | -1.65M | 4.79M | 46.78M | 3.49M | 22.58M | 336K | 16.1M | -15.78M |
| Working Capital Changes | -1.43M | -2.92M | -2.21M | 870K | -1.97M | 3.6M | -13.72M | -2.16M | 5.82M | 622K |
| Cash from Investing | -98.02M | -349.78M | -293.8M | 50.35M | -898.51M | 422.88M | -1.52B | -669.71M | -71.39M | 217.16M |
| Purchase of Investments | -225.49M | -86M | -469.1M | -179.07M | -607.79M | -478.2M | -1.89B | -454.33M | -391.21M | -386.75M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -224.49M | -85M | -468.1M | -178.07M | -606.79M | -477.2M | -1.89B | -453.33M | -390.21M | -382.75M |
| Acquisitions | 0 | 0 | 6.25M | 77.67M | 18.4M | 12.6M | 121.1M | 8.04M | 0 | 0 |
| Other Investing | -167.78M | -332.55M | 60.15M | -332.21M | -791.4M | 406.71M | -515.87M | -691.91M | -386.24M | -97.24M |
| Cash from Financing | 259.76M | 147.45M | -179.83M | 234.72M | 492.28M | -193.71M | 2.41B | -334.79M | 966.5M | 597.78M |
| Dividends Paid | -22.77M | -24.78M | -30.27M | -39.8M | -42.47M | -45.14M | -48.46M | -53.64M | -57.77M | -61.11M |
| Share Repurchases | -5.52M | 0 | -7.91M | -1.6M | -3.1M | -11.66M | 0 | -1.82M | 0 | 0 |
| Stock Issued | 13.35M | 4.84M | 2.24M | 2.48M | 1.79M | 2.26M | 7.65M | 2.54M | 9.2M | 2.62M |
| Net Stock Activity | 7.83M | 4.84M | -5.68M | 883K | -1.31M | -9.4M | 7.65M | 723K | 9.2M | 2.62M |
| Debt Issuance (Net) | 0 | 400K | -1000K | -575K | 0 | 1000K | 300K | 1000K | -1000K | 1000K |
| Other Financing | 274.7M | 166.99M | -139.51M | 274.22M | 536.06M | -197.22M | 2.46B | -284.92M | 1.02B | 649.02M |
| Net Change in Cash | 252.28M▲ 0% | -92.59M▼ 136.7% | -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% | 1.06B▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.6B | 1.85B | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 4B |
| Cash at End | 1.85B | 1.76B | 1.42B | 1.87B | 1.62B | 2.05B | 3.17B | 2.4B | 3.55B | 4.05B |
| Interest Paid | 14.67M | 20.56M | 41.55M | 54.6M | 22.06M | 11.99M | 42.93M | 191.76M | 270.81M | 273.48M |
| Income Taxes Paid | 32.7M | 41.06M | 27.95M | 30.98M | 26.52M | 30.6M | 34.64M | 52.4M | 46.56M | 38.93M |
| Free Cash Flow | 79.71M▲ 0% | 91.74M▲ 15.1% | 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% | 195.72M▲ 0% |
| FCF Growth % | 19.15% | 15.1% | -3.92% | 49.64% | -32.98% | 99.85% | 16.87% | 1.96% | 6.65% | -24.87% |
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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.34% | 11.63% | 14.99% | 14.14% | 9.61% | 14.97% | 15.94% | 15.83% | 14.16% | 13.33% |
| Return on Assets (ROA) | 1.03% | 1.21% | 1.7% | 1.67% | 1.12% | 1.8% | 1.77% | 1.72% | 1.67% | 1.67% |
| Net Interest Margin | 2.9% | 3.13% | 3.44% | 3.29% | 3.33% | 3.36% | 3.02% | 3.43% | 3.3% | 3.37% |
| Efficiency Ratio | 58.78% | 54.73% | 51.85% | 50.92% | 55.51% | 57.54% | 51.35% | 41.08% | 38.2% | 41.61% |
| Equity / Assets | 10.13% | 10.69% | 11.92% | 11.73% | 11.59% | 12.46% | 10.1% | 11.59% | 11.96% | 12.56% |
| Book Value / Share | 22.35 | 23.82 | 27 | 30.15 | 32.15 | 35.17 | 37.41 | 42.81 | 48.23 | 52.65 |
| NII Growth | 7.96% | 11.44% | 14.68% | 8.23% | 8.78% | 2.93% | 18.38% | 13.59% | 5.28% | 9.8% |
| Dividend Payout | 32.22% | 28.67% | 24.06% | 29.51% | 42.65% | 26.93% | 25.1% | 25.25% | 26.7% | 25.72% |
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) grew revenue by 12.3% over the past year. This is steady growth.
Yes, BancFirst Corporation (BANF) is profitable, generating $237.6M in net income for fiscal year 2024 (23.8% net margin).
Yes, BancFirst Corporation (BANF) pays a dividend with a yield of 1.50%. This makes it attractive for income-focused investors.
BancFirst Corporation (BANF) has a return on equity (ROE) of 14.2%. This is reasonable for most industries.
BancFirst Corporation (BANF) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
BancFirst Corporation (BANF) has an efficiency ratio of 38.2%. This is excellent, indicating strong cost control.
BancFirst Corporation (BANF) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates