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

BANF•NASDAQ•Banking & Credit
$114.51
$3.8B mkt cap·17.8× P/E·Price updated May 6, 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$447M+5.3%
  • Total Revenue$909M+12.3%
  • Net Income$216M+1.8%
  • Return on Equity14.16%-10.5%
  • Net Interest Margin3.3%-3.9%
  • Efficiency Ratio38.2%-7.0%
  • ROA1.67%-2.8%
  • Equity / Assets11.96%+3.2%
  • Book Value per Share48.23+12.6%
  • Tangible BV/Share42.41+15.0%
  • Debt/Equity0.05-14.8%
Technical→

BANF Key Insights

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

✓Strengths

  • ✓Company is almost debt free
  • ✓Efficient operations: 38.2% efficiency ratio
  • ✓11 consecutive years of dividend growth
  • ✓Well capitalized: 12.0% 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.

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 Years12.08%
5 Years13.91%
3 Years22.28%
TTM-

Profit CAGR

10 Years12.97%
5 Years9.91%
3 Years8.88%
TTM13.78%

EPS CAGR

10 Years12.29%
5 Years9.72%
3 Years8.59%
TTM13.18%

Return on Capital

10 Years16.5%
5 Years16.26%
3 Years17.33%
Last Year15.71%

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
EPS
$1.85
Est $1.77
+4.5%
Revenue
$179M
Est $177M
+1.0%
Q1 2026
Jan 23, 2026
EPS
$1.75
Est $1.78
-1.7%
Revenue
$181M
Est $174M
+4.2%
Q1 2026
Jan 22, 2026
EPS
$1.75
Est $1.78
-1.7%
Revenue
$181M
Est $174M
+4.2%
Q4 2025
Oct 17, 2025
EPS
$1.85
Est $1.86
-0.5%
Revenue
$175M
Est $175M
+0.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$1.85vs $1.77+4.5%
$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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.44B135.5416.6510.4%8.91%0.80
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.51B72.5610.961.03%13.41%0.22
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
ONB logoONBOld National BancorpProduct Competitor9.49B24.5813.7325.48%8.51%0.88
UBSI logoUBSIUnited Bankshares, Inc.Product Competitor6.11B43.7213.3712.33%8.6%0.17
HOMB logoHOMBHome Bancshares, Inc.Product Competitor5.32B27.0313.459.47%10.86%0.30
CVBF logoCVBFCVB Financial Corp.Product Competitor2.8B20.6313.57-2.33%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
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income203.83M227.14M260.48M281.92M306.67M315.66M373.67M424.46M446.87M478.74M
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 Income218.57M248.07M303.2M336.66M327.11M327.02M419.82M623.94M724.14M751.68M
Interest Expense14.74M20.93M42.73M54.74M20.45M11.36M46.15M199.48M277.26M272.94M
Loan Loss Provision11.52M8.51M3.8M8.29M62.65M-8.69M10.08M7.46M9M-62.98M
Non-Interest Income107.03M118.07M125.2M137.23M137.22M170.03M183.75M185.41M184.57M125.05M
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 Expense191.4M200.39M222.12M241.3M257.73M285.98M309.91M332.46M347.16M364.79M
Efficiency Ratio58.78%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 Tax37.26M49.87M33.94M34.68M23.93M40.77M44.33M57.48M58.93M64.18M
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)70.67M86.44M125.81M134.88M99.59M167.63M193.1M212.47M216.35M237.59M
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)2.262.723.854.133.055.125.896.456.55-
Diluted Shares Outstanding31.82M32.57M33.43M33.33M33.21M33.31M33.44M33.49M33.62M33.86M

BANF Balance Sheet

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments2.32B2.22B2.19B2.36B2.17B2.58B4.71B3.95B3.88B16.94B
Cash & Due from Banks1.85B1.76B1.42B1.87B1.62B2.05B3.17B2.4B3.55B4.05B
Short Term Investments465.47M462M770.7M489.72M552.23M531.52M1.54B1.55B329.92M356.28M
Total Investments4.83B5.14B5.7B6.11B6.91B6.64B8.4B9.12B9.15B9.2B
Investments Growth %1.55%6.42%10.97%7.11%13.12%-3.87%26.38%8.58%0.3%-5.86%
Long-Term Investments4.37B4.68B4.93B5.62B6.36B6.11B6.86B7.56B8.82B35.29B
Accounts Receivables139.43M150.44M167.84M202.85M220.61M234M301.55M000
Goodwill & Intangibles67.37M65.12M96.22M171.21M168.92M167.49M202.04M198.97M195.42M192.81M
Goodwill54.04M54.04M79.75M148.6M149.92M149.92M182.06M182.26M182.26M182.26M
Intangible Assets13.33M11.08M16.47M22.61M19M17.57M19.98M16.7M13.16M10.55M
PP&E (Net)126.77M134.09M174.36M206.28M261.68M269.05M278.09M278.59M295.94M313.77M
Other Assets4.23M4.84M6.69M6.61M32.18M40.27M39.61M378.59M363.74M433.32M
Total Current Assets2.46B2.37B2.36B2.56B2.39B2.82B5.01B3.95B3.88B4.41B
Total Non-Current Assets4.56B4.88B5.21B6B6.82B6.59B7.38B8.42B9.67B9.79B
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 Payable27.34M29.62M37.49M49.23M51.86M55.98M76.45M000
Total Debt32.46M32.86M28.48M27.9M27.9M85.99M86.34M89.45M86.16M97.88M
Net Debt-1.82B-1.73B-1.4B-1.84B-1.59B-1.96B-3.08B-2.31B-3.47B-3.96B
Long-Term Debt31.96M31.96M26.8M26.8M26.8M85.99M86.04M86.1M86.16M86.2M
Short-Term Debt500K900K1.68M1.1M1.1M0300K3.35M011.68M
Other Liabilities0000000148.58M128.42M199.08M
Total Current Liabilities6.28B6.45B6.64B7.53B8.12B8.15B11.05B10.7B11.72B12.13B
Total Non-Current Liabilities31.96M31.96M26.8M26.8M26.8M85.99M86.04M234.68M214.58M285.28M
Total Liabilities6.31B6.48B6.67B7.56B8.14B8.23B11.14B10.94B11.93B12.42B
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 Share22.3523.8227.0030.1532.1535.1737.4142.8148.2352.65
Tangible BV per Share20.2321.8224.1325.0227.0730.1431.3636.8742.4146.95
Common Stock31.62M31.89M32.6M32.69M32.72M32.6M32.88M32.93M33.22M33.33M
Additional Paid-in Capital101.73M107.48M149.71M153.35M156.57M159.91M169.23M174.69M187.06M194.32M
Retained Earnings577.65M638.58M722.62M815.49M871.16M977.07M1.12B1.28B1.43B1.57B
Accumulated OCI94K-2.33M-2.14M3.45M7.43M2.15M-71.56M-50.04M-32.86M-12.8M
Treasury Stock0000000000
Preferred Stock0000000000

BANF Cash Flow Statement

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations90.54M109.75M140.01M158.96M154.85M203.93M226.27M233.04M261.2M261.2M
Operating CF Growth %15.84%21.21%27.57%13.53%-2.58%31.69%10.95%2.99%12.08%-68.71%
Net Income70.67M86.44M125.81M134.88M99.59M167.63M193.1M212.47M216.35M237.59M
Depreciation & Amortization12.38M11.79M13.55M15.99M18.42M20.04M22.05M22.19M21.68M22.31M
Deferred Taxes-2.05M4.38M3.15M1.15M-9.49M7.04M322K-2.79M-2.2M-759K
Other Non-Cash Items9.32M8.87M-1.65M4.79M46.78M3.49M22.58M336K16.1M-15.78M
Working Capital Changes-1.43M-2.92M-2.21M870K-1.97M3.6M-13.72M-2.16M5.82M622K
Cash from Investing-98.02M-349.78M-293.8M50.35M-898.51M422.88M-1.52B-669.71M-71.39M217.16M
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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-224.49M-85M-468.1M-178.07M-606.79M-477.2M-1.89B-453.33M-390.21M-382.75M
Acquisitions006.25M77.67M18.4M12.6M121.1M8.04M00
Other Investing-167.78M-332.55M60.15M-332.21M-791.4M406.71M-515.87M-691.91M-386.24M-97.24M
Cash from Financing259.76M147.45M-179.83M234.72M492.28M-193.71M2.41B-334.79M966.5M597.78M
Dividends Paid-22.77M-24.78M-30.27M-39.8M-42.47M-45.14M-48.46M-53.64M-57.77M-61.11M
Share Repurchases-5.52M0-7.91M-1.6M-3.1M-11.66M0-1.82M00
Stock Issued13.35M4.84M2.24M2.48M1.79M2.26M7.65M2.54M9.2M2.62M
Net Stock Activity7.83M4.84M-5.68M883K-1.31M-9.4M7.65M723K9.2M2.62M
Debt Issuance (Net)0400K-1000K-575K01000K300K1000K-1000K1000K
Other Financing274.7M166.99M-139.51M274.22M536.06M-197.22M2.46B-284.92M1.02B649.02M
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 Effect0000000000
Cash at Beginning1.6B1.85B1.76B1.42B1.87B1.62B2.05B3.17B2.4B4B
Cash at End1.85B1.76B1.42B1.87B1.62B2.05B3.17B2.4B3.55B4.05B
Interest Paid14.67M20.56M41.55M54.6M22.06M11.99M42.93M191.76M270.81M273.48M
Income Taxes Paid32.7M41.06M27.95M30.98M26.52M30.6M34.64M52.4M46.56M38.93M
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%

BANF Banking Ratios

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

Metric201620172018201920202021202220232024TTM
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 Margin2.9%3.13%3.44%3.29%3.33%3.36%3.02%3.43%3.3%3.37%
Efficiency Ratio58.78%54.73%51.85%50.92%55.51%57.54%51.35%41.08%38.2%41.61%
Equity / Assets10.13%10.69%11.92%11.73%11.59%12.46%10.1%11.59%11.96%12.56%
Book Value / Share22.3523.822730.1532.1535.1737.4142.8148.2352.65
NII Growth7.96%11.44%14.68%8.23%8.78%2.93%18.38%13.59%5.28%9.8%
Dividend Payout32.22%28.67%24.06%29.51%42.65%26.93%25.1%25.25%26.7%25.72%

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) 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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BANF

BancFirst Corporation (BANF) financial analysis — history, returns, DCA and operating performance tools

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Dividend History

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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