BancFirst Corporation logo

BancFirst Corporation

BANF

NASDAQFinancial ServicesBanks - Regional

Latest quote

$113.22

+$0.17 · +0.15%

Aug 21, 3:55 PM ET

BANF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

43

Fair Value

Momentum

49

Neutral

Sentiment

54

Mixed

Risk resilience

73

Moderate Risk

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Company profile

Company website

BancFirst Corporation functions as the parent bank holding company for BancFirst, delivering a wide spectrum of commercial banking services to both retail customers and small to mid-sized businesses. Its operations are organized into key divisions: Metropolitan Banks, Community Banks, Pegasus Bank, and a segment for Other Financial Services. The institution presents a comprehensive selection of deposit options, such as checking, negotiable order of withdrawal (NOW) accounts, savings, money market, sweep, and club accounts, in addition to individual retirement accounts (IRAs) and certificates of deposit (CDs). It also provides convenient features like overdraft protection and automatic drafting services. Regarding lending, BancFirst offers various commercial and financial loans tailored to support working capital, the acquisition or expansion of facilities, equipment purchases, and other business necessities. Its lending portfolio includes specialized areas like private banking, financing for the energy sector, commercial and residential real estate, and general commercial and industrial (C&I) loans. Moreover, it extends consumer loans to facilitate purchases of personal goods such as vehicles, boats, household items, as well as funding for vacations and educational pursuits. Beyond its core banking activities, the corporation engages in investment management and the administration of trusts for individuals, corporate entities, and employee benefit plans. It also acts as a bond trustee and paying agent for numerous municipal and governmental bodies throughout Oklahoma. Additional services encompass correspondent banking, including item processing and research, real estate investment ventures, and insurance agency operations. Rounding out its offerings are funds transfer, collection services, safe deposit boxes, and cash management solutions. BancFirst primarily caters to clients in Oklahoma's non-metropolitan trade centers and urban areas within its metropolitan statistical regions. The company maintains an extensive network of 108 banking branches across Oklahoma, supplemented by three locations in Dallas, Texas. Established in 1984, BancFirst Corporation was initially known as United Community Corporation before changing its name in November 1988, and its corporate headquarters are situated in Oklahoma City, Oklahoma.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
David R. Harlow
Listed since
Mar 26, 1990
Employees
2,260

Market position

Volume
90.58K
0.58× average
Average volume
156.36K
Average daily volume
Market cap
3.79B USD
Beta
0.62
Market reference 1

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
-0.1
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%77%47%16%Gross margin, FY2021: 99.46%Gross margin, FY2022: 90.68%Gross margin, FY2023: 74.43%Gross margin, FY2024: 68.50%Gross margin, FY2025: 82.91%Operating margin, FY2021: 41.93%Operating margin, FY2022: 39.34%Operating margin, FY2023: 33.35%Operating margin, FY2024: 30.29%Operating margin, FY2025: 36.80%Net margin, FY2021: 33.72%Net margin, FY2022: 31.99%Net margin, FY2023: 26.25%Net margin, FY2024: 23.81%Net margin, FY2025: 29.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.46%. Gross margin FY2022 90.68%. Gross margin FY2023 74.43%. Gross margin FY2024 68.50%. Gross margin FY2025 82.91%. Operating margin FY2021 41.93%. Operating margin FY2022 39.34%. Operating margin FY2023 33.35%. Operating margin FY2024 30.29%. Operating margin FY2025 36.80%. Net margin FY2021 33.72%. Net margin FY2022 31.99%. Net margin FY2023 26.25%. Net margin FY2024 23.81%. Net margin FY2025 29.19%.

Income trends

Revenue

824.33M USD-9.29%

Operating income

303.38M USD+10.21%

Net income

240.61M USD+11.21%
Income trends across reported periods982.82M USD686.39M USD389.96M USD93.52M USDRevenue, FY2021: 497.05M USDRevenue, FY2022: 603.57M USDRevenue, FY2023: 809.34M USDRevenue, FY2024: 908.71M USDRevenue, FY2025: 824.33M USDOperating income, FY2021: 208.4M USDOperating income, FY2022: 237.43M USDOperating income, FY2023: 269.95M USDOperating income, FY2024: 275.28M USDOperating income, FY2025: 303.38M USDNet income, FY2021: 167.63M USDNet income, FY2022: 193.1M USDNet income, FY2023: 212.47M USDNet income, FY2024: 216.35M USDNet income, FY2025: 240.61M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 497.05M USD. Revenue FY2022 603.57M USD. Revenue FY2023 809.34M USD. Revenue FY2024 908.71M USD. Revenue FY2025 824.33M USD. Operating income FY2021 208.4M USD. Operating income FY2022 237.43M USD. Operating income FY2023 269.95M USD. Operating income FY2024 275.28M USD. Operating income FY2025 303.38M USD. Net income FY2021 167.63M USD. Net income FY2022 193.1M USD. Net income FY2023 212.47M USD. Net income FY2024 216.35M USD. Net income FY2025 240.61M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue824.33M USD908.71M USD809.34M USD603.57M USD497.05M USD
Cost of goods sold140.89M USD286.27M USD206.94M USD56.22M USD2.67M USD
Gross profit683.43M USD622.45M USD602.41M USD547.34M USD494.38M USD
Selling, general, and administrative294.34M USD227.74M USD214.93M USD197.79M USD177.58M USD
Operating expenses379.84M USD347.16M USD332.46M USD309.91M USD285.98M USD
Interest income692.96M USD724.14M USD623.94M USD419.82M USD327.02M USD
Interest expense309.87M USD277.27M USD199.48M USD46.15M USD11.36M USD
Depreciation and amortization22.54M USD21.68M USD22.19M USD22.05M USD20.04M USD
Operating income303.38M USD275.28M USD269.95M USD237.43M USD208.4M USD
Net income240.61M USD216.35M USD212.47M USD193.1M USD167.63M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
7.12
FY2025 · +10.56% year over year
Latest fiscal-year revenue
824.33M USD
FY2025 · -9.29% year over year
Next fiscal-year EPS consensus
7.7
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend8.327.135.934.73FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend949.88M785.22M620.55M455.89MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$125

10.71% upside
Past 12 months12-month forecastHigh $125Average $125Low $125

Recent analyst actions

3 institutions

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.90

2025 complete year+35.7% since 2021

2026 partial: $0.98

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 30, 2026

$0.49

Quarterly

Record Jun 30, 2026 · Payment Jul 15, 2026

Dividend

Ex-dividend Mar 31, 2026

$0.49

Quarterly

Record Mar 31, 2026 · Payment Apr 15, 2026

Dividend

Ex-dividend Dec 31, 2025

$0.49

Quarterly

Record Dec 31, 2025 · Payment Jan 15, 2026

Dividend

Ex-dividend Sep 30, 2025

$0.49

Quarterly

Record Sep 30, 2025 · Payment Oct 15, 2025

Dividend

Ex-dividend Jun 30, 2025

$0.46

Quarterly

Record Jun 30, 2025 · Payment Jul 15, 2025

Dividend

Ex-dividend Mar 31, 2025

$0.46

Quarterly

Record Mar 31, 2025 · Payment Apr 15, 2025

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