BANF Stock 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.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$85.04|
|52 Week High||US$86.82|
|52 Week Low||US$53.77|
|1 Month Change||0.75%|
|3 Month Change||10.51%|
|1 Year Change||27.55%|
|3 Year Change||57.92%|
|5 Year Change||79.32%|
|Change since IPO||1,900.94%|
Recent News & Updates
|BANF||US Banks||US Market|
Return vs Industry: BANF exceeded the US Banks industry which returned -16.6% over the past year.
Return vs Market: BANF exceeded the US Market which returned -12.3% over the past year.
|BANF Average Weekly Movement||2.9%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: BANF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: BANF's weekly volatility (3%) has been stable over the past year.
About the Company
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. 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.
BancFirst Fundamentals Summary
|BANF fundamental statistics|
Is BANF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BANF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||4.92|
|Net Profit Margin||32.95%|
How did BANF perform over the long term?See historical performance and comparison
1.7%Current Dividend Yield
Is BancFirst undervalued compared to its fair value and its price relative to the market?
Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BANF ($85.04) is trading below our estimate of fair value ($135.95)
Significantly Below Fair Value: BANF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BANF is poor value based on its Price-To-Earnings Ratio (17.3x) compared to the US Banks industry average (9.8x).
PE vs Market: BANF is poor value based on its Price-To-Earnings Ratio (17.3x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: BANF is poor value based on its PEG Ratio (4.8x)
Price to Book Ratio
PB vs Industry: BANF is overvalued based on its Price-To-Book Ratio (2.4x) compared to the US Banks industry average (1.1x).
How is BancFirst forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BANF's forecast earnings growth (3.6% per year) is above the savings rate (1.9%).
Earnings vs Market: BANF's earnings (3.6% per year) are forecast to grow slower than the US market (12.3% per year).
High Growth Earnings: BANF's earnings are forecast to grow, but not significantly.
Revenue vs Market: BANF's revenue (5.5% per year) is forecast to grow slower than the US market (7.8% per year).
High Growth Revenue: BANF's revenue (5.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BANF's Return on Equity is forecast to be low in 3 years time (12.9%).
How has BancFirst performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BANF has high quality earnings.
Growing Profit Margin: BANF's current net profit margins (33%) are higher than last year (29.2%).
Past Earnings Growth Analysis
Earnings Trend: BANF's earnings have grown by 12% per year over the past 5 years.
Accelerating Growth: BANF's earnings growth over the past year (34.8%) exceeds its 5-year average (12% per year).
Earnings vs Industry: BANF earnings growth over the past year (34.8%) exceeded the Banks industry 20.9%.
Return on Equity
High ROE: BANF's Return on Equity (13.8%) is considered low.
How is BancFirst's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BANF's Assets to Equity ratio (10.8x) is moderate.
Allowance for Bad Loans: BANF has a sufficient allowance for bad loans (334%).
Low Risk Liabilities: 98% of BANF's liabilities are made up of primarily low risk sources of funding.
Loan Level: BANF has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: BANF's Loans to Deposits ratio (57%) is appropriate.
Level of Bad Loans: BANF has an appropriate level of bad loans (0.4%).
What is BancFirst current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BANF's dividend (1.69%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: BANF's dividend (1.69%) is low compared to the top 25% of dividend payers in the US market (4.05%).
Stability and Growth of Payments
Stable Dividend: BANF's dividends per share have been stable in the past 10 years.
Growing Dividend: BANF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (28.8%), BANF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David Harlow (58 yo)
Mr. David R. Harlow has been the Chief Executive Officer of Bancfirst Corporation since May 25, 2017 and serves as its President. Mr. Harlow served as President of BancFirst since 2003 until July 2017. He...
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD796.73K) is below average for companies of similar size in the US market ($USD6.83M).
Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.
Experienced Management: BANF's management team is seasoned and experienced (6 years average tenure).
Experienced Board: BANF's board of directors are seasoned and experienced ( 19.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BANF insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BancFirst Corporation's employee growth, exchange listings and data sources
- Name: BancFirst Corporation
- Ticker: BANF
- Exchange: NasdaqGS
- Founded: 1984
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$2.784b
- Shares outstanding: 32.73m
- Website: https://www.bancfirst.bank
Number of Employees
- BancFirst Corporation
- 100 North Broadway Avenue
- Oklahoma City
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/24 00:00|
|End of Day Share Price||2022/05/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.