BancFirst Corporation (BANF) AI Stock Analysis

BancFirst Corporation operates as a bank holding company overseeing BancFirst, providing commercial banking services to retail customers and small to medium-sized businesses. Based in Oklahoma City, Oklahoma, it operates segments including Metropolitan Banks, Community Banks, Pegasus, Worthington, and Other Financial Services. The company offers deposit products such as checking, savings, money market accounts, and certificates of deposit. Its lending portfolio includes commercial, agricultural non-real estate, residential and commercial real estate, energy financing, and consumer loans. It also provides private banking, trust administration, and bond trustee services for governmental entities.

BancFirst Corporation grew revenue from $497.1M in FY2021 to $908.7M in FY2024 before revenue declined 9.3% to $824.3M in FY2025. Despite the FY2025 top-line decrease, net income expanded to $240.6M, representing a net margin of 29.2% and EPS of $7.12. For the trailing twelve months ended June 30, 2026, revenue stood at $713.2M with a profit margin of 35.3% and an operating margin of 50.5%. In the latest quarter ended June 30, 2026, quarterly revenue grew 8.7% year-over-year, while quarterly earnings increased 5.9%.

As of June 30, 2026, BancFirst Corporation held $5.52B in cash and short-term investments against $92.2M in total debt, yielding net cash of $5.43B. Shareholders' equity was $1.96B, and total assets stood at $15.08B, with a debt-to-equity ratio of 0.05 and a current ratio of 0.46. In FY2025, operating cash flow reached $285.3M and free cash flow was $237.0M. Capital expenditures used $48.3M, while dividends paid totaled $62.2M.

BANF trades at a trailing P/E of 14.7x and a forward P/E of 19.0x, compared to the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales multiple is 5.1x, above the peer group median of 3.2x, while price-to-book sits at 1.9x. BANF delivered a 1-year return of -3.2% compared to 16.8% for SPY. Over a 5-year period, BANF returned 87.1% compared to 83.0% for SPY.

BancFirst Corporation offers an annual forward dividend of $2.08, providing a dividend yield of 1.91% with a payout ratio of 21.5%. The company distributes quarterly payments and has paid consecutive dividends for 36 years. Over the past 5 years, its annualized dividend growth rate was 7.6%. Its last ex-dividend date was September 30, 2026.

Consensus coverage shows 3 Hold ratings, 0 Buys, and 0 Sells. The mean price target is $124.00, representing a 13.7% upside to the last close of $109.03. For the fiscal year ending December 31, 2026, analysts estimate EPS of $7.72 on revenue of $750.3M. For the following fiscal year, 3 analysts project EPS of $8.04 and revenue of $803.1M. BancFirst Corporation beat EPS estimates in 2 of the last 4 quarters.

This page is an AI-written research summary of BancFirst Corporation (BANF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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