BancFirst (BANF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BancFirst

NasdaqGS•Financial Services•Banks - Regional

$108.29-0.68(-0.01%)Market closed

Market Cap

$3.64B

P/E

14.4x

P/S

3.7x

P/B

1.9x

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.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Cash & Earnings Quality (25/25); weakest: Growth (16/25).

Profitability20/25

Growth16/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.4x5y range 12.1x – 19.9x

Currently near its 20-quarter median.

P/S · 3.7x5y range 3.4x – 6.2x

Currently near its 20-quarter median.

P/B · 1.9x5y range 1.7x – 2.6x

Price & Volume

Market Cap $3.64B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $983.45M
Q. Revenue: $249.33M
TTM EBITDA: $603.00M
TTM Op. Income: $579.95M
Q. Op. Income: $146.92M
TTM Net Income: $251.83M
Q. Net Income: $66.69M
EPS: $1.98
Shares Out.: $33.59M

$983.45M in TTM revenue grew 4.9% YoY, reaching $249.33M last quarter. TTM EBITDA of $603.00M and TTM operating income of $579.95M show growth is flowing through to the bottom line. TTM net income of $251.83M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 75.2%
EBITDA Margin: 61.3%
Op. Margin: 58.9%
Net Margin: 26.7%

Op. margin of 58.9% is down 3.2% YoY — costs are rising relative to revenue. Net margin at 26.7% and gross margin of 75.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 5% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.4x
P/S Ratio: 3.7x
P/B Ratio: 1.9x

At 14.4x P/E, the stock trades below typical market levels. P/S of 3.7x and P/B of 1.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $15.08B
Cash: $4.40B
Long-Term Debt: $86.24M
Book Value: $1.96B
D/E Ratio: 0.0
Debt/EBITDA: 0.6

With $15.08B in assets and $86.24M in long-term debt, D/E is 0.0and book value is $1.96B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $83.08M
TTM Free Cash Flow: $245.28M
FCF Margin: 24.9%
FCF / Net Income: 1.0

TTM FCF of $245.28M on $83.08M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 20% — an improving trend.