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BANF logoBancFirst Corporation(BANF)Earnings, Financials & Key Ratios

BANF•NASDAQ•Banking & Credit
15.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutBancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. It operates through Metropolitan Banks, Community Banks, Pegasus Bank, and Other Financial Services segments. The company offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. It also provides commercial, financial, and other loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, the company engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services. Further, it is involved in real estate investment and insurance agency services; and providing funds transfer, collection, safe deposit box, cash management, and other services. The company serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates through 108 banking locations in Oklahoma and 3 banking locations in Dallas, Texas. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.Show more
  • Net Interest Income$383M-14.3%
  • Total Revenue$824M-9.3%
  • Net Income$241M+11.2%
  • Return on Equity13.85%-2.2%
  • Net Interest Margin2.58%-21.9%
  • Efficiency Ratio46.08%+20.6%
  • ROA1.69%+1.4%
  • Equity / Assets12.46%+4.2%
  • Book Value per Share54.68+13.4%

BANF Key Insights

BancFirst Corporation (BANF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Dividend Aristocrat: 30 years of consecutive increases
  • ✓Efficient operations: 46.1% efficiency ratio
  • ✓Well capitalized: 12.5% equity/assets
  • ✓Good 3Y average ROE of 15.3%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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BANF Price & Volume

BancFirst Corporation (BANF) stock price & volume — 10-year historical chart

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BANF Growth Metrics

BancFirst Corporation (BANF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.39%
5 Years12.16%
3 Years10.95%
TTM-

Profit CAGR

10 Years13.78%
5 Years19.3%
3 Years7.61%
TTM11.21%

EPS CAGR

10 Years13.09%
5 Years18.87%
3 Years7.26%
TTM10.73%

Return on Capital

10 Years15.33%
5 Years14.67%
3 Years12.44%
Last Year3.63%

BANF Recent Earnings

BancFirst Corporation (BANF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$1.85+5.1%
$1.76
Rev
$179M+1.0%
$177M
Q1 2026
Jan 23, 2026
Metric
Actual
Est
EPS
$1.75-1.7%
$1.78
Rev
$181M+4.2%
$174M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$1.75-1.7%
$1.78
Rev
$181M+4.2%
$174M
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$1.85-0.5%
$1.86
Rev
$175M+0.2%
$175M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$1.85vs $1.76+5.1%
$179Mvs $177M+1.0%
Q1 2026Jan 23, 2026
$1.75vs $1.78-1.7%
$181Mvs $174M+4.2%
Q1 2026Jan 22, 2026
$1.75vs $1.78-1.7%
$181Mvs $174M+4.2%
Q4 2025Oct 17, 2025
$1.85vs $1.86-0.5%
$175Mvs $175M+0.2%
Based on last 12 quarters of dataView full earnings history →

BANF Peer Comparison

BancFirst Corporation (BANF) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BOKF logoBOKFBOK Financial CorporationDirect Competitor7.92B130.3314.20-1.07%17.38%9.79%0.78
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.57B73.5611.111.03%39.31%13.16%0.22
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
ONB logoONBOld National BancorpProduct Competitor9.58B24.8013.8525.48%18.04%8.51%0.88
UBSI logoUBSIUnited Bankshares, Inc.Product Competitor6.2B44.4213.5812.33%25.52%8.6%0.17
HOMB logoHOMBHome Bancshares, Inc.Product Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
CVBF logoCVBFCVB Financial Corp.Product Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43

Compare BANF vs Peers

BancFirst Corporation (BANF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BOKF

Most directly comparable listed peer for BANF.

Scale Benchmark

vs V

Larger-name benchmark to compare BANF against a more recognizable public peer.

Peer Set

Compare Top 5

vs BOKF, FFIN, IBOC, SFNC

BANF Income Statement

BancFirst Corporation (BANF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
227.14M260.48M281.92M306.67M315.66M373.67M424.46M446.87M383.1M
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
248.07M303.2M336.66M327.11M327.02M419.82M623.94M724.14M692.96M
Interest Expense
20.93M42.73M54.74M20.45M11.36M46.15M199.48M277.26M309.87M
Loan Loss Provision
8.51M3.8M8.29M62.65M-8.69M10.08M7.46M9M-168.97M
Non-Interest Income
118.07M125.2M137.23M137.22M170.03M183.75M185.41M184.57M131.36M
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
200.39M222.12M241.3M257.73M285.98M309.91M332.46M347.16M379.84M
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
49.87M33.94M34.68M23.93M40.77M44.33M57.48M58.93M64.51M
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)
86.44M125.81M134.88M99.59M167.63M193.1M212.47M216.35M240.61M
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)
2.723.854.133.055.125.896.456.557.22
Diluted Shares Outstanding
32.57M33.43M33.33M33.21M33.31M33.44M33.49M33.62M33.91M

BANF Balance Sheet

BancFirst Corporation (BANF) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
2.22B2.19B2.36B2.17B2.58B4.71B3.95B3.88B226.95M
Cash & Due from Banks
1.76B1.42B1.87B1.62B2.05B3.17B2.4B3.55B226.95M
Short Term Investments
462M770.7M489.72M552.23M531.52M1.54B1.55B329.92M0
Total Investments
5.14B5.7B6.11B6.91B6.64B8.4B9.12B9.15B13.83B
Investments Growth %
6.42%10.97%7.11%13.12%-3.87%26.38%8.58%0.3%51.17%
Long-Term Investments
4.68B4.93B5.62B6.36B6.11B6.86B7.56B8.82B13.83B
Accounts Receivables
150.44M167.84M202.85M220.61M234M301.55M000
Goodwill & Intangibles
65.12M96.22M171.21M168.92M167.49M202.04M198.97M195.42M204.1M
Goodwill
54.04M79.75M148.6M149.92M149.92M182.06M182.26M182.26M182.74M
Intangible Assets
11.08M16.47M22.61M19M17.57M19.98M16.7M13.16M21.36M
PP&E (Net)
134.09M174.36M206.28M261.68M269.05M278.09M278.59M295.94M352.19M
Other Assets
4.84M6.69M6.61M32.18M40.27M39.61M378.59M363.74M180.45M
Total Current Assets
2.37B2.36B2.56B2.39B2.82B5.01B3.95B3.88B268.75M
Total Non-Current Assets
4.88B5.21B6B6.82B6.59B7.38B8.42B9.67B14.61B
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
29.62M37.49M49.23M51.86M55.98M76.45M000
Total Debt
32.86M28.48M27.9M27.9M85.99M86.34M89.45M86.16M133.69M
Net Debt
-1.73B-1.4B-1.84B-1.59B-1.96B-3.08B-2.31B-3.47B-93.27M
Long-Term Debt
31.96M26.8M26.8M26.8M85.99M86.04M86.1M86.16M98.21M
Short-Term Debt
900K1.68M1.1M1.1M0300K3.35M013.22M
Other Liabilities
000000148.58M128.42M12.85B
Total Current Liabilities
6.45B6.64B7.53B8.12B8.15B11.05B10.7B11.72B13.22M
Total Non-Current Liabilities
31.96M26.8M26.8M26.8M85.99M86.04M234.68M214.58M13.01B
Total Liabilities
6.48B6.67B7.56B8.14B8.23B11.14B10.94B11.93B13.02B
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
23.8227.0030.1532.1535.1737.4142.8148.2354.68
Tangible BV per Share
21.8224.1325.0227.0730.1431.3636.8742.4148.66
Common Stock
31.89M32.6M32.69M32.72M32.6M32.88M32.93M33.22M33.54M
Additional Paid-in Capital
107.48M149.71M153.35M156.57M159.91M169.23M174.69M187.06M217.84M
Retained Earnings
638.58M722.62M815.49M871.16M977.07M1.12B1.28B1.43B1.61B
Accumulated OCI
-2.33M-2.14M3.45M7.43M2.15M-71.56M-50.04M-32.86M-8.27M
Treasury Stock
000000000
Preferred Stock
000000000

BANF Cash Flow Statement

BancFirst Corporation (BANF) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
109.75M140.01M158.96M154.85M203.93M226.27M233.04M261.2M285.28M
Operating CF Growth %
21.21%27.57%13.53%-2.58%31.69%10.95%2.99%12.08%9.22%
Net Income
86.44M125.81M134.88M99.59M167.63M193.1M212.47M216.35M240.61M
Depreciation & Amortization
11.79M13.55M15.99M18.42M20.04M22.05M22.19M21.68M22.54M
Deferred Taxes
4.38M3.15M1.15M-9.49M7.04M322K-2.79M-2.2M-904K
Other Non-Cash Items
8.87M-1.65M4.79M46.78M3.49M22.58M336K16.1M17.25M
Working Capital Changes
-2.92M-2.21M870K-1.97M3.6M-13.72M-2.16M5.82M2.05M
Cash from Investing
-349.78M-293.8M50.35M-898.51M422.88M-1.52B-669.71M-71.39M15.54M
Purchase of Investments
-86M-469.1M-179.07M-607.79M-478.2M-1.89B-454.33M-391.21M-371.7M
Sale/Maturity of Investments
86.77M160.77M511.01M548.74M509.03M781.48M490.99M742.71M722.34M
Net Investment Activity
771K-308.33M331.94M-59.05M30.83M-1.1B36.66M351.5M350.65M
Acquisitions
06.25M77.67M18.4M12.6M121.1M8.04M013.72M
Other Investing
-332.55M60.15M-332.21M-791.4M406.71M-515.87M-691.91M-386.24M-300.51M
Cash from Financing
147.45M-179.83M234.72M492.28M-193.71M2.41B-334.79M966.5M549.77M
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-11.66M0-1.82M00
Stock Issued
4.84M2.24M2.48M1.79M2.26M7.65M2.54M9.2M4.68M
Net Stock Activity
4.84M-5.68M883K-1.31M-9.4M7.65M723K9.2M4.68M
Debt Issuance (Net)
400K-1000K-575K01000K300K1000K-1000K-1000K
Other Financing
166.99M-139.51M274.22M536.06M-197.22M2.46B-284.92M1.02B611.28M
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
000000000
Cash at Beginning
1.85B1.76B1.42B1.87B1.62B2.05B3.17B2.4B3.55B
Cash at End
1.76B1.42B1.87B1.62B2.05B3.17B2.4B3.55B4.4B
Interest Paid
20.56M41.55M54.6M22.06M11.99M42.93M191.76M270.81M269.33M
Income Taxes Paid
41.06M27.95M30.98M26.52M30.6M34.64M52.4M46.56M55.13M
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%

BANF Banking Ratios

BancFirst Corporation (BANF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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
22.3523.822730.1532.1535.1737.4142.8148.2354.68
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%
Related:BANF Dividend History·BANF Revenue History·BANF Price History·BANF P/E History·BANF Financial Ratios·BANF Institutional Holders

BANF SEC Filings & Documents

BancFirst Corporation (BANF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 16, 2026·SEC

Material company update

Feb 27, 2026·SEC

Material company update

Jan 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 9, 2025·SEC

BANF Frequently Asked Questions

BancFirst Corporation (BANF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in BANF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in BANF be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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