BancFirst Corporation (BANF)
NEUTRALFundamental
64
Price
$111.13
Market Cap
$3.81B
Part 1 · What the company is worth
Overview
BancFirst 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 in the United States. It operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. The company offers checking, negotiable order of withdrawal, savings, money market, health savings, coverdell education, individual retirement, and sweep accounts, as well as certificates of deposit, overdraft protection, and auto draft services. It also provides commercial real estate owner occupied and non-owner occupied, construction and development, construction residential real estate, residential real estate first lien, agricultural, commercial and consumer non-real estate, and oil and gas loans; lending activities, such as private banking, commercial and residential real estate, commercial and industrial, and energy loans; automobiles, home equity loans, and other personal loans; and securities investment products. In addition, the company offers 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 to financial institutions and governmental units. Further, the company provides commercial and personal insurance products; and depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. 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.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$723M
Trailing 12 months (through 6/30/2026)
Net Income
$252M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$237M
Total Equity
$1.85B
Total Liabilities
$12.98B
Current Ratio
-
Interest Coverage
0.62
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$109.95
Current Price
$111.13
Margin of Safety
-1.1%
Fair Value Range
$80.83 - $139.07
Estimation Methods
Valuation Metrics
P/E Ratio
15.19
ROE
13.0%
P/B Ratio
1.93
P/FCF
15.41
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.2%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (15)
- EPS shows upward trend
- EPS CAGR 7.95%
- Price CAGR 9.27%
- P/FCF 15.41
- P/B Ratio 1.93
- Operating Margin 44.2%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 13.6%
- Revenue Growth 5Y 11.1%
- PEG Ratio 0.83
- Earnings Quality (OCF/NI) 1.15
- Share Dilution 0.7%
- Piotroski F-Score 6/9
Failed (8)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Analyst Consensus 0% Buy
- Earnings Surprise avg 1.0%
- Net Margin Trend 34.8% vs 35.4%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. David R. Harlow | President, CEO & Director | 62 |
| Ms. Hannah Andrus | Executive VP, CFO, Treasurer & Principal Accounting Officer | 39 |
| Mr. John K. Slay Jr. | Executive VP & Chief Credit Officer of BancFirst | 60 |
| Mr. B. Scott Copeland | Executive VP & COO of BancFirst | 60 |
| Ms. Dara Wanzer | Executive Vice President of Human Resources - BancFirst | 53 |
| Mr. D. Jay Hannah | Executive VP & Chief Communications Officer of BancFirst | 69 |
| Mr. Jason A. Carroll | Executive VP & Chief Risk Officer | 45 |
| Mr. Brian Wade Pierson | Senior VP & Secretary | 68 |
| Mr. Harry Smith | President of Pegasus Bank | - |
| Ms. Laura J. Ratliff | Advisory Director | - |
Audit Risk
5
Board Risk
7
Compensation Risk
6
Shareholder Rights Risk
1
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for BANF, sourced from Markets Gazette.