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BancFirst Corporation

BANF Financial Banks Regional

BancFirst Corporation’s revenue for fiscal 2025 (year ended December 2025) was $960.4 million, up 5.69% from fiscal 2024.

Revenue
−79.0%
EPS
+6.38%
Free cash flow
+13.8%
Total debt
+0.07%

Quarter to September 2026, against a year earlier

115.00 0.12 −0.10%
Market cap
$3.9B
P/E
15.0×
Fwd P/E
14.3×
Dividend yield
1.73%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 26.45
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 1 — 3 1 — 3 5 — — —
Insider Ownership 36.60%

Capital & Financial Ratios $m

Size
Market Cap 3,870.00
Revenue ttm 790.58
Net income ttm 251.83
Free cash flow ttm 245.29
Net debt Q (4,318.37)
Valuation
P/E 15.02
Forward P/E 14.30
Price / sales 4.88
Forward P/S Powerpack
Price / FCF 15.72
Price / book 1.97
Financial health
Current ratio Q 1.03
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q −78.96% (below 0%: shrinking)
Operating income growth Q −163.21% (below 0%: shrinking)
EPS, this year +8.35%
EPS, next year A +6.14%
Revenue, next year A −22.18% (below 0%: weak)
EPS, past 5 yrs +18.84% (at or above 15%: strong)
EPS, next 5 yrs A +5.80%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 44.85%
10-year low 10-year high
P/S against its own 10 years 82.18%
10-year low 10-year high
P/B against its own 10 years 38.10%
10-year low 10-year high

Dividends raised every year since 2017

Yield
1.73%
Annual rate
1.99
Payout ratio
26.4%
Growth, 2017–25
+11.4%/yr
  1. 0.80 ’17
  2. 1.02 ’18 +27
  3. 1.24 ’19 +22
  4. 1.32 ’20 +6
  5. 1.40 ’21 +6
  6. 1.52 ’22 +9
  7. 1.66 ’23 +9
  8. 1.78 ’24 +7
  9. 1.90 ’25 +7
  10. 2.01 ’26e +6
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,399 3,554 4,496 4,405
Receivables — — — —
Inventory — — — —
Other — — — —
10,306 11,818 13,336 13,371
2023 2024 2025 Q'26
Payables 10,700 11,719 12,670 12,826
ST’ Debt — — — —
Other — — — —
10,852 11,847 12,887 13,039

Compound Annual Growth %

10y 5y 3y
Sales 12.09% 15.64% 16.75%
Cash Flow 13.82% 13.00% 8.03%
Earnings 13.78% 19.30% 7.61%
Book Value 10.96% 11.67% 14.02%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.93 Actual 1.97

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.78 1.75 Miss by 0.03
Q1 FY26 1.77 1.85 Beat by 0.08
Q2 FY26 1.79 1.96 Beat by 0.17
Q3 FY26 1.93 1.97 Beat by 0.04
Q4 FY26 1.97 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.85 1.96 1.97 — —
’25 1.67 1.85 1.85 1.75 7.11
’24 1.50 1.51 1.75 1.68 6.44
’23 1.72 1.64 1.52 1.46 6.34
’22 1.08 1.34 1.65 1.70 5.77
’21 1.27 1.45 1.16 1.15 5.03
’20 0.68 0.63 0.63 1.06 3.00
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 242 249 51 — —
’25 231 236 244 248 960
’24 217 222 236 233 909
’23 193 199 205 213 809
’22 122 134 163 184 604
’21 120 130 123 125 497
’20 119 114 114 118 464
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 76 83 — — —
’25 77 78 75 55 285
’24 66 100 78 17 261
’23 70 60 61 43 233
’22 64 56 59 47 226
’21 69 69 39 27 204
’20 35 47 29 44 155
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 65 73 — — —
’25 66 64 64 43 237
’24 56 94 72 2 225
’23 62 55 56 38 211
’22 57 51 56 42 206
’21 61 61 34 20 177
’20 24 28 11 25 88
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 326 366 428 474 464 497 604 809 909 960 791 +12.8% 747 800 830 (4.8%)
Gross margin, % 95.47 94.28 90.03 88.45 95.60 97.71 92.35 75.35 69.49 71.91 75.75 (23.6) pt
EBT 108 136 160 170 124 208 237 270 275 305 327 +12.2%
EBT margin, % 33.15 37.23 37.29 35.78 26.60 41.93 39.34 33.35 30.29 31.77 41.31 (1.4) pt
Net income 71 86 126 135 100 168 193 212 216 241 252 +14.6%
Per share, $
Per share, $ Revenue 10.43 11.51 13.11 14.52 14.21 15.19 18.41 24.59 27.49 28.84 23.52 +12.0%
Earnings 2.27 2.72 3.85 4.13 3.05 5.12 5.89 6.45 6.55 7.22 7.64 +13.7%
Cash flow 2.90 3.45 4.28 4.87 4.74 6.23 6.90 7.08 7.90 8.57 0.00 +12.8%
Capex (0.35) (0.57) (1.59) (0.83) (2.03) (0.83) (0.60) (0.68) (1.11) (1.45) 0.00 +17.2%
Free cash flow 2.55 2.88 2.70 4.04 2.71 5.40 6.30 6.40 6.79 7.11 0.00 +12.1%
Book value 22.77 24.38 27.62 30.79 32.68 35.82 38.16 43.56 49.04 55.67 0.00 +10.4%
Shares, m 31 32 33 33 33 33 33 33 33 33 34 +0.7%
Valuation, ×
Valuation, × P/E 20.35 18.88 12.99 15.12 19.25 13.78 14.80 15.04 17.89 14.68 15.02 16.3
P/S 4.42 4.45 3.81 4.30 4.13 4.64 4.73 3.95 4.26 3.68 4.88 4.2
P/B 2.02 2.10 1.81 2.03 1.80 1.97 2.28 2.23 2.39 1.90 1.97 2.1
EV/Sales (1.17) (0.26) 0.55 0.41 0.71 0.69 (0.38) 1.09 0.45 (0.90) — 0.1
EV/FCF (4.76) (1.05) 2.65 1.48 3.71 1.94 (1.11) 4.18 1.80 (3.66) — 0.5
Cash, $m
Cash, $m Operating cash flow 91 110 140 159 155 204 226 233 261 285 289 +13.6%
Capex (11) (18) (52) (27) (66) (27) (20) (23) (37) (48) (44) +18.1%
Free cash flow 80 92 88 132 88 177 206 211 225 237 245 +12.9%
Balance, $m
Balance, $m Working capital 76 140 (120) 157 77 247 (721) (546) (29) 450 332 +21.9%
Net debt (1,819) (1,727) (1,397) (1,842) (1,590) (1,965) (3,086) (2,313) (3,468) (4,398) (4,318) +10.3%
Shareholders’ equity 711 776 903 1,005 1,068 1,172 1,251 1,434 1,621 1,854 1,957 +11.2%
Returns, %
Returns, % ROA 1.03 1.21 1.70 1.67 1.12 1.80 1.77 1.72 1.67 1.69 0.00 +0.7 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0 pt
ROE 10.34 11.63 14.99 14.14 9.61 14.97 15.94 15.83 14.16 13.85 0.00 +3.5 pt
People
People Employees 1,773 1,782 1,906 1,948 2,036 1,948 2,051 2,109 2,135 2,260 — +2.7%
Revenue/emp, $m 0.18 0.21 0.22 0.24 0.23 0.26 0.29 0.38 0.43 0.42 — +9.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

BancFirst Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CVBF CVB Financial Corporation $4.0B 15.2× 14.0× +45.38% (above 0%: growing) +15.79% (above 0%: growing) +641.25% (above 0%: growing) 82.47% 0.00% Compare
INDB Independent Bank Corp. $4.0B 12.5× 11.5× +3.14% (above 0%: growing) +175.36% (above 0%: growing) −34.59% (below 0%: shrinking) 75.78% 0.00% Compare
GGAL Grupo Financiero Galicia S.A. $4.0B 15.2× — −91.05% (below 0%: shrinking) −72.04% (below 0%: shrinking) −347.48% (below 0%: shrinking) 100.00% 0.00% Compare
FBP First BanCorp. $3.9B 10.8× 10.9× +3.16% (above 0%: growing) +1.59% (above 0%: growing) −5.21% (below 0%: shrinking) 80.42% 0.00% Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00%
WSBC WesBanco, Inc. $3.7B 11.0× 10.8× +0.69% (above 0%: growing) +5.95% (above 0%: growing) −14.15% (below 0%: shrinking) 69.86% 0.00% Compare
BMA Macro Bank Inc. $3.6B 12.2× 8.3× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00% Compare
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
RNST Renasant Corporation $3.6B 11.0× 10.9× −0.13% (below 0%: shrinking) +37.83% (above 0%: growing) +505.64% (above 0%: growing) 68.82% 0.00% Compare
Median of peers $3.8B 12.4× 10.9× +3.15% +11.99% +17.49% 76.43% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 3 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.01m 1.60m 197.83
2024 970.44k 1.34m 215.10
2023 921.90k 1.12m 175.47
2022 875.90k 1.53m 156.06
2021 796.73k 1.06m 122.77

Ownership

Directors and executive officers, together 31.67%
Oklahoma City, OK 14.87%
David E. Rainbolt 14.87%
Dr. Leslie J. Rainbolt 14.64%
New York, NY 8.46%
Los Angeles, CA 7.79%
Malvern, PA 6.75%
Duncan, OK 5.94%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

BancFirst Corporation (BANF) Latest News

23 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · PR Newswire earnings
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

20 Oct

Impact 3 · · StockStory

3 Aug

Impact 3 ·

25 Jul

Impact 3 ·

25 Jun

Impact 3 · · StockStory

12 Jun

Impact 4 · · bankingdive.com

10 Jun

Impact 4 · · PR Newswire

25 Apr

Impact 4 · · Simply Wall St.

16 Apr

Impact 3 · · Zacks
Impact 3 · · PR Newswire

9 Feb

Impact 3 · · StockStory

22 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · PR Newswire

13 Jan

Impact 4 · · Simply Wall St.StockStorySimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

5 Jan

Impact 3 · · StockStory

18 Dec

Impact 3 · · StockStory

16 Nov

Impact 4 · · Simply Wall St.
Impact 3 ·

11 Nov

Impact 4 · · StockStoryStockStoryStockStoryStockStory

28 Oct

Impact 3 · · StockStory

17 Oct

Impact 4 · · Associated Press Finance
Impact 4 · · PR Newswire
Impact 3 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · StockStory

13 Oct

Impact 3 · · StockStory

BANF metrics, ten years each

stockrow.com/BANF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com