BancFirst Corporation (BANF) Balance Sheet
BANF balance sheet, 2025
December 31, 2025 · U.S. dollars$14.87B assets = $13.02B liabilities + $1.85B equity
Both columns are drawn to the same scale: what BANF owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BANF financial health
Descriptive bands, not a rating. Fiscal 2025.
BANF balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $7.02B2016 | $14.87B2025 | +8.7%/yr | |
| Total liabilities | $6.31B2016 | $13.02B2025 | +8.4%/yr | |
| Shareholders’ equity | $711.1M2016 | $1.85B2025 | +11.2%/yr | |
| Cash & short-term investments | $1.85B2016 | $227.0M2025 | −20.8%/yr | |
| Total debt | $32.5M2016 | $133.7M2025 | +17.0%/yr | |
| Net cash (debt) | $1.82B2016 | $93.3M2025 | −$1.7B | |
| Working capital | $6.35B2016 | $255.5M2025 | −$6.1B | |
| Book value per share | $22.352016 | $54.682025 | +10.5%/yr | |
| Debt / equity | 0.052016 | 0.072025 | +0.03 | |
| Shares outstanding | 31.8M2016 | 33.9M2025 | +0.7%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BANF assets
BANF liabilities and equity
BANF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BANF balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $227.0M | $3.88B | $3.95B | $4.71B | $2.58B | $2.17B | $2.36B | $2.19B | $2.23B | $1.85B |
| Cash & equivalents | $227.0M | $3.55B | $2.40B | $3.17B | $2.05B | $1.62B | $1.87B | $1.42B | $1.76B | $1.85B |
| Short-term investments | $309.4M | $329.9M | $1.55B | $1.54B | $531.5M | $552.2M | $489.7M | $770.7M | $467.7M | $469.8M |
| Receivables | $41.8M | $0 | $0 | $301.6M | $234.0M | $220.6M | $202.9M | $167.8M | $144.7M | $139.4M |
| Inventory | $0 | $0 | $0 | −$3.24B | −$2.11B | −$1.68B | −$1.92B | $6.9M | $4.4M | $3.9M |
| Other current assets | $0 | $0 | $0 | $3.24B | $2.11B | $1.68B | $1.92B | $4.16B | $4.21B | $4.36B |
| Total current assets | $268.8M | $3.88B | $3.95B | $5.01B | $2.82B | $2.39B | $2.56B | $6.53B | $6.58B | $6.35B |
| Property, plant & equipment (net) | $352.2M | $295.9M | $278.6M | $278.1M | $269.0M | $261.7M | $206.3M | $174.4M | $134.1M | $126.8M |
| Goodwill & intangible assets | $204.1M | $195.4M | $199.0M | $202.0M | $167.5M | $168.9M | $171.2M | $96.2M | $65.1M | $67.4M |
| Long-term investments | $924.9M | $1.21B | $1.56B | $8.40B | $6.64B | $6.91B | $6.11B | $5.70B | $4.68B | $4.36B |
| Other non-current assets | $13.12B | $7.97B | $6.39B | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total assets | $14.87B | $13.55B | $12.37B | $12.39B | $9.41B | $9.21B | $8.57B | $7.57B | $7.25B | $7.02B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $76.5M | $56.0M | $51.9M | $49.2M | $37.5M | $6.42B | $27.3M |
| Short-term debt | $13.2M | — | $3.4M | $2.0M | $1.4M | $1.1M | $1.1M | $1.7M | $900,000 | $500,000 |
| Deferred revenue | — | — | — | $74.4M | $54.6M | $50.8M | $48.1M | $35.8M | — | — |
| Total current liabilities | $13.2M | $11.72B | $10.70B | $76.5M | $56.0M | $51.9M | $49.2M | $37.5M | $900,000 | $500,000 |
| Long-term debt | $98.2M | $86.2M | $86.1M | $86.0M | $86.0M | $26.8M | $26.8M | $26.8M | $32.0M | $32.0M |
| Other long-term liabilities | $12.91B | $128.4M | $148.6M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $13.02B | $11.93B | $10.94B | $11.14B | $8.23B | $8.14B | $7.56B | $6.67B | $6.48B | $6.31B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $33.5M | $33.2M | $32.9M | $32.9M | $32.6M | $32.7M | $32.7M | $32.6M | $31.9M | $15.8M |
| Retained earnings (deficit) | $1.61B | $1.43B | $1.28B | $1.12B | $977.1M | $871.2M | $815.5M | $722.6M | $638.6M | $577.6M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$8.3M | −$32.9M | −$50.0M | −$71.6M | $2.1M | $7.4M | $3.5M | −$2.1M | −$2.3M | $94,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $1.85B | $1.62B | $1.43B | $1.25B | $1.17B | $1.07B | $1.00B | $902.8M | $775.6M | $711.1M |
| Key figures | ||||||||||
| Total debt | $133.7M | $86.2M | $89.5M | $88.1M | $87.4M | $27.9M | $27.9M | $28.5M | $32.9M | $32.5M |
| Net cash (debt) | $93.3M | $3.80B | $3.86B | $4.62B | $2.49B | $2.14B | $2.33B | $2.17B | $2.19B | $1.82B |
| Working capital | $255.5M | −$7.83B | −$6.75B | $4.93B | $2.76B | $2.34B | $2.51B | $6.49B | $6.58B | $6.35B |
| Tangible book value | $1.65B | $1.43B | $1.23B | $1.05B | $1.00B | $899.0M | $833.8M | $806.6M | $710.5M | $643.7M |
| Book value per share | $54.68 | $48.23 | $42.81 | $37.41 | $35.17 | $32.15 | $30.15 | $27.00 | $23.82 | $22.35 |
| Shares outstanding | 33.9M | 33.6M | 33.5M | 33.4M | 33.3M | 33.2M | 33.3M | 33.4M | 32.6M | 31.8M |
| Current ratio | 20.32 | 0.33 | 0.37 | 65.51 | 50.30 | 46.08 | 52.02 | 174.20 | 7,315.50 | 12,709.95 |
| Quick ratio | 20.32 | 0.33 | 0.37 | 65.51 | 50.30 | 46.08 | 52.02 | 63.02 | 2,633.68 | 3,979.79 |
| Debt / equity | 0.07 | 0.05 | 0.06 | 0.07 | 0.07 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 |
| Equity / assets | 12.5% | 12.0% | 11.6% | 10.1% | 12.5% | 11.6% | 11.7% | 11.9% | 10.7% | 10.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $5.52B | $5.57B | $227.0M | $4.41B | $4.33B | $4.31B | $3.88B | $4.37B | $3.93B | $4.06B | $3.95B | $3.86B |
| Cash & equivalents | $4.40B | $4.68B | $227.0M | $4.05B | $4.00B | $3.97B | $3.55B | $2.99B | $2.49B | $2.53B | $2.40B | $2.34B |
| Short-term investments | $1.11B | $886.5M | $309.4M | $356.3M | $336.5M | $335.5M | $329.9M | $1.38B | $1.44B | $1.53B | $1.55B | $1.52B |
| Receivables | $419.3M | $470.2M | $41.8M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $345.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$2.77B |
| Other current assets | $9.9M | $10.7M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2.77B |
| Total current assets | $5.95B | $6.05B | $268.8M | $4.41B | $4.33B | $4.31B | $3.88B | $4.37B | $3.93B | $4.06B | $3.95B | $4.21B |
| Property, plant & equipment (net) | $334.6M | $329.4M | $352.2M | $313.8M | $312.2M | $303.3M | $295.9M | $285.6M | $285.1M | $284.1M | $278.6M | $279.6M |
| Goodwill & intangible assets | $202.8M | $203.8M | $204.1M | $192.8M | $193.7M | $194.5M | $195.4M | $196.3M | $197.2M | $198.1M | $199.0M | $199.9M |
| Long-term investments | $1.11B | $886.5M | $924.9M | $1.02B | $1.10B | $1.17B | $1.21B | $1.38B | $1.44B | $1.53B | $1.56B | $1.53B |
| Other non-current assets | $7.48B | $7.64B | $13.12B | $8.26B | $8.10B | $8.06B | $7.97B | $7.09B | $6.88B | $6.53B | $6.39B | $5.90B |
| Total assets | $15.08B | $15.12B | $14.87B | $14.20B | $14.05B | $14.04B | $13.55B | $13.31B | $12.74B | $12.60B | $12.37B | $12.11B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $119.8M |
| Short-term debt | $6.0M | $15.1M | $13.2M | $11.7M | $5.9M | — | — | $4.4M | $4.3M | $9.7M | $3.4M | $4.0M |
| Total current liabilities | $12.83B | $12.92B | $13.2M | $12.13B | $12.06B | $12.13B | $11.72B | $11.48B | $11.02B | $10.92B | $10.70B | $10.66B |
| Long-term debt | $86.2M | $86.2M | $98.2M | $86.2M | $86.2M | $86.2M | $86.2M | $86.1M | $86.1M | $86.1M | $86.1M | $86.1M |
| Other long-term liabilities | $206.6M | $212.3M | $12.91B | $199.1M | $169.5M | $152.3M | $128.4M | $164.0M | $118.8M | $127.7M | $148.6M | $0 |
| Total liabilities | $13.13B | $13.21B | $13.02B | $12.42B | $12.32B | $12.37B | $11.93B | $11.73B | $11.22B | $11.13B | $10.94B | $10.74B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $33.6M | $33.6M | $33.5M | $33.3M | $33.3M | $33.2M | $33.2M | $33.1M | $33.0M | $33.0M | $32.9M | $32.9M |
| Retained earnings (deficit) | $1.71B | $1.66B | $1.61B | $1.57B | $1.52B | $1.47B | $1.43B | $1.39B | $1.35B | $1.31B | $1.28B | $1.24B |
| Accumulated other comprehensive income | −$8.2M | −$10.7M | −$8.3M | −$12.8M | −$17.6M | −$23.7M | −$32.9M | −$24.4M | −$48.2M | −$52.3M | −$50.0M | −$77.2M |
| Total shareholders' equity | $1.96B | $1.90B | $1.85B | $1.78B | $1.73B | $1.67B | $1.62B | $1.58B | $1.51B | $1.47B | $1.43B | $1.37B |
| Key figures | ||||||||||||
| Total debt | $92.2M | $101.2M | $133.7M | $97.9M | $92.0M | $86.2M | $86.2M | $90.6M | $90.4M | $95.8M | $89.5M | $90.1M |
| Net cash (debt) | $5.43B | $5.47B | $93.3M | $4.31B | $4.24B | $4.22B | $3.80B | $4.28B | $3.84B | $3.96B | $3.86B | $3.77B |
| Working capital | −$6.89B | −$6.86B | $255.5M | −$7.72B | −$7.73B | −$7.82B | −$7.83B | −$7.11B | −$7.09B | −$6.86B | −$6.75B | −$6.45B |
| Tangible book value | $1.75B | $1.70B | $1.65B | $1.59B | $1.53B | $1.48B | $1.43B | $1.39B | $1.32B | $1.27B | $1.23B | $1.17B |
| Book value per share | $57.49 | $55.89 | $54.68 | $52.65 | $51.13 | $49.69 | $48.03 | $47.09 | $45.12 | $43.84 | $42.82 | $40.87 |
| Shares outstanding | 34.0M | 34.0M | 33.9M | 33.9M | 33.8M | 33.7M | 33.8M | 33.6M | 33.5M | 33.5M | 33.5M | 33.5M |
| Current ratio | 0.46 | 0.47 | 20.32 | 0.36 | 0.36 | 0.36 | 0.33 | 0.38 | 0.36 | 0.37 | 0.37 | 0.39 |
| Quick ratio | 0.46 | 0.47 | 20.32 | 0.36 | 0.36 | 0.36 | 0.33 | 0.38 | 0.36 | 0.37 | 0.37 | 0.39 |
| Debt / equity | 0.05 | 0.05 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.07 | 0.06 | 0.07 |
| Equity / assets | 13.0% | 12.6% | 12.5% | 12.6% | 12.3% | 11.9% | 12.0% | 11.9% | 11.9% | 11.7% | 11.6% | 11.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 26, 2026); data from EODHD.
BANF financial position
At the end of fiscal 2025 (December 31, 2025), BancFirst had total assets of $14.9 billion (up 9.7% from a year earlier), total liabilities of $13.0 billion and shareholders' equity of $1.9 billion. It held $227.0 million in cash and short-term investments against $133.7 million of debt, a net cash position of $93.3 million. Its current ratio was 20.32. In the latest quarter (ended June 30, 2026) total assets were $15.1 billion and equity $2.0 billion.
Related: BANF income statement, BANF cash flow statement, BANF key metrics. See the BANF stock overview for the latest quote and news.
BANF balance sheet FAQ
What are BancFirst's total assets?
BancFirst reported total assets of $14.9 billion at the end of fiscal 2025 (December 31, 2025), compared with $13.6 billion a year earlier.
How much debt does BancFirst have?
BancFirst had $133.7 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.07.
How much cash does BancFirst have?
BancFirst held $227.0 million in cash and short-term investments at the end of fiscal 2025; with $133.7 million of debt that is net cash of $93.3 million.
What is BancFirst's book value?
BancFirst's shareholders' equity (book value) was $1.9 billion at the end of fiscal 2025, or $54.68 per share.
What is BancFirst's current ratio?
BancFirst had current assets of $268.8 million and current liabilities of $13.2 million, a current ratio of 20.32 (it can cover its short-term obligations).
How much goodwill does BancFirst have?
BancFirst carried $204.1 million of goodwill and intangible assets, 1.4% of total assets, at the end of fiscal 2025.