BancFirst (BANF)
Market Price (2/19/2026): $116.5 | Market Cap: $3.9 BilSector: Financials | Industry: Regional Banks
BancFirst (BANF)
Market Price (2/19/2026): $116.5Market Cap: $3.9 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.4%, FCF Yield is 5.0% | Weak multi-year price returns3Y Excs Rtn is -29% | Key risksBANF key risks include [1] significant credit exposure to the volatile energy sector in its Oklahoma and Texas markets and [2] a substantial concentration in real estate loans, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -111% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% | ||
| Low stock price volatilityVol 12M is 28% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 16% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 6.5% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.4%, FCF Yield is 5.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -111% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% |
| Low stock price volatilityVol 12M is 28% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 16% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 6.5% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -29% |
| Key risksBANF key risks include [1] significant credit exposure to the volatile energy sector in its Oklahoma and Texas markets and [2] a substantial concentration in real estate loans, Show more. |
Qualitative Assessment
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BancFirst (BANF) stock has gained about 5% since 10/31/2025 because of the following key factors:
1. BancFirst reported strong Fourth Quarter 2025 earnings, achieving a fifth consecutive year of record net income and earnings per share. The company's net income for Q4 2025 increased to $59.5 million, up from $56.5 million in the prior year's fourth quarter, and net interest income rose to $127.7 million, largely driven by higher loan volume.
2. The acquisition of American Bank of Oklahoma in November 2025 expanded BancFirst's market presence and contributed to loan growth. This strategic acquisition, valued at $33 million, added approximately $413 million in total assets, $244 million in loans, and $341 million in deposits, enhancing the company's net interest income.
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1. BancFirst reported strong Fourth Quarter 2025 earnings, achieving a fifth consecutive year of record net income and earnings per share. The company's net income for Q4 2025 increased to $59.5 million, up from $56.5 million in the prior year's fourth quarter, and net interest income rose to $127.7 million, largely driven by higher loan volume.
2. The acquisition of American Bank of Oklahoma in November 2025 expanded BancFirst's market presence and contributed to loan growth. This strategic acquisition, valued at $33 million, added approximately $413 million in total assets, $244 million in loans, and $341 million in deposits, enhancing the company's net interest income.
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Stock Movement Drivers
Fundamental Drivers
The 7.5% change in BANF stock from 10/31/2025 to 2/18/2026 was primarily driven by a 6.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2182026 | Change |
|---|---|---|---|
| Stock Price ($) | 108.37 | 116.47 | 7.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 661 | 673 | 1.8% |
| Net Income Margin (%) | 35.4% | 35.3% | -0.2% |
| P/E Multiple | 15.4 | 16.3 | 6.0% |
| Shares Outstanding (Mil) | 33 | 33 | -0.2% |
| Cumulative Contribution | 7.5% |
Market Drivers
10/31/2025 to 2/18/2026| Return | Correlation | |
|---|---|---|
| BANF | 7.5% | |
| Market (SPY) | 0.6% | 34.3% |
| Sector (XLF) | 0.4% | 49.6% |
Fundamental Drivers
The -5.7% change in BANF stock from 7/31/2025 to 2/18/2026 was primarily driven by a -11.6% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2182026 | Change |
|---|---|---|---|
| Stock Price ($) | 123.48 | 116.47 | -5.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 645 | 673 | 4.2% |
| Net Income Margin (%) | 34.4% | 35.3% | 2.6% |
| P/E Multiple | 18.5 | 16.3 | -11.6% |
| Shares Outstanding (Mil) | 33 | 33 | -0.2% |
| Cumulative Contribution | -5.7% |
Market Drivers
7/31/2025 to 2/18/2026| Return | Correlation | |
|---|---|---|
| BANF | -5.7% | |
| Market (SPY) | 8.9% | 37.5% |
| Sector (XLF) | 0.8% | 58.5% |
Fundamental Drivers
The -0.6% change in BANF stock from 1/31/2025 to 2/18/2026 was primarily driven by a -12.1% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2182026 | Change |
|---|---|---|---|
| Stock Price ($) | 117.16 | 116.47 | -0.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 619 | 673 | 8.7% |
| Net Income Margin (%) | 33.7% | 35.3% | 4.7% |
| P/E Multiple | 18.6 | 16.3 | -12.1% |
| Shares Outstanding (Mil) | 33 | 33 | -0.6% |
| Cumulative Contribution | -0.6% |
Market Drivers
1/31/2025 to 2/18/2026| Return | Correlation | |
|---|---|---|
| BANF | -0.6% | |
| Market (SPY) | 15.0% | 51.7% |
| Sector (XLF) | 3.2% | 62.0% |
Fundamental Drivers
The 42.6% change in BANF stock from 1/31/2023 to 2/18/2026 was primarily driven by a 29.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312023 | 2182026 | Change |
|---|---|---|---|
| Stock Price ($) | 81.67 | 116.47 | 42.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 520 | 673 | 29.2% |
| Net Income Margin (%) | 33.5% | 35.3% | 5.6% |
| P/E Multiple | 15.4 | 16.3 | 6.1% |
| Shares Outstanding (Mil) | 33 | 33 | -1.5% |
| Cumulative Contribution | 42.6% |
Market Drivers
1/31/2023 to 2/18/2026| Return | Correlation | |
|---|---|---|
| BANF | 42.6% | |
| Market (SPY) | 75.1% | 45.1% |
| Sector (XLF) | 50.4% | 63.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BANF Return | 23% | 27% | 12% | 23% | -8% | 10% | 118% |
| Peers Return | 26% | 5% | -1% | 22% | 6% | 12% | 88% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| BANF Win Rate | 50% | 75% | 50% | 50% | 67% | 100% | |
| Peers Win Rate | 63% | 50% | 48% | 57% | 58% | 90% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BANF Max Drawdown | -7% | 0% | -18% | -16% | -14% | 0% | |
| Peers Max Drawdown | -3% | -15% | -28% | -10% | -17% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: BOKF, CFR, PB, TCBI, IBOC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/18/2026 (YTD)
How Low Can It Go
| Event | BANF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -38.8% | -25.4% |
| % Gain to Breakeven | 63.4% | 34.1% |
| Time to Breakeven | 552 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -57.1% | -33.9% |
| % Gain to Breakeven | 133.1% | 51.3% |
| Time to Breakeven | 294 days | 148 days |
| 2018 Correction | ||
| % Loss | -24.9% | -19.8% |
| % Gain to Breakeven | 33.2% | 24.7% |
| Time to Breakeven | 752 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -59.8% | -56.8% |
| % Gain to Breakeven | 148.5% | 131.3% |
| Time to Breakeven | 2,776 days | 1,480 days |
Compare to BOKF, CFR, PB, TCBI, IBOC
In The Past
BancFirst's stock fell -38.8% during the 2022 Inflation Shock from a high on 8/15/2022. A -38.8% loss requires a 63.4% gain to breakeven.
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About BancFirst (BANF)
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. It also provides commercial, financial, and other loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, the company engages in the 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. Further, it is involved in real estate investment and insurance agency services; and providing funds transfer, collection, safe deposit box, cash management, and other services. The company serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates through 108 banking locations in Oklahoma and 3 banking locations in Dallas, Texas. 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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Here are 1-3 brief analogies for BancFirst (BANF):
- BancFirst is like U.S. Bancorp for Oklahoma, serving as a prominent regional bank with a strong focus on its home state.
- It's a more geographically concentrated version of PNC Financial Services, providing comprehensive banking services primarily within Oklahoma.
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- Deposit Services: Provides a variety of checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Lending Services: Offers commercial loans for businesses, residential mortgage loans, and various consumer loans such as auto and home equity loans.
- Treasury Management: Supplies businesses with cash management solutions, including ACH, wire transfers, online banking, and remote deposit capture.
- Wealth Management & Trust Services: Delivers financial planning, investment management, and trust administration for individuals and institutions.
- Credit Card Services: Issues credit cards for both personal and business use, facilitating convenient payments and credit access.
- Merchant Services: Provides businesses with payment processing solutions to accept various forms of customer payments.
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BancFirst (symbol: BANF) is a financial institution that provides a wide range of banking and financial services. As such, it does not have a few "major customers" in the traditional sense, as its revenue is derived from a broad and diverse base of clients utilizing its various services. The company primarily serves a multitude of individual consumers and businesses.
The primary categories of customers BancFirst serves include:
- Individual Consumers: This category includes individuals and households who utilize personal checking and savings accounts, consumer loans (e.g., auto loans, personal loans), residential mortgages, and other personal financial services.
- Small to Medium-sized Businesses (SMBs): BancFirst provides a comprehensive suite of services to businesses, including business checking and savings accounts, commercial loans and lines of credit, treasury management services, and merchant services. These are typically local and regional businesses across various industries.
- Commercial and Corporate Clients: This segment includes larger businesses, corporations, and commercial real estate investors/developers that require more extensive lending solutions, sophisticated treasury management services, and other specialized financial products.
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- Fiserv (FI)
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David R. Harlow, President, Chief Executive Officer, and Director
Mr. Harlow was appointed CEO of BancFirst in May 2017. He first joined the company as Executive Vice President and Manager of Commercial Banking. Prior to his CEO role, he served as President of BancFirst Oklahoma City from 2003 to 2017. His career in the financial sector began in 1986 at Liberty Bank and Trust, where he spent 11 years and rose to Senior Vice President-Manager of their Metropolitan Lending Division. Before joining BancFirst in 1999, he was Executive Vice President of Dorchester Capital Corporation for two years.
Hannah Andrus, Executive Vice President, Chief Financial Officer, and Treasurer
Ms. Andrus assumed the role of Chief Financial Officer, Executive Vice President, and Treasurer of BancFirst effective May 8, 2024. Before joining BancFirst, she was an Assurance Senior Manager at Ernst & Young LLP. She is a Certified Public Accountant and holds a Master of Science in Accounting and a Bachelor of Business Administration from Southern Methodist University.
David E. Rainbolt, Executive Chairman of the Board
Mr. Rainbolt has served as Executive Chairman of BancFirst Corporation since May 2017. He previously held the positions of President and Chief Executive Officer of the company from January 1992 to May 2017, a tenure of 25 years. During his time as CEO, BancFirst grew significantly, expanding from under $700 million to over $7 billion in assets, went public, and completed 34 acquisitions. He also played a key role in modernizing Oklahoma's banking laws. Earlier in his career, Mr. Rainbolt was the Chief Financial Officer for United Community Corporation, a predecessor to BancFirst, in the mid-1980s, and served as President of Trencor Inc. from 1982 to 1984. He began his banking career as a financial analyst at Republic Bank in Dallas.
Dennis L. Brand, Vice Chairman
Mr. Brand has been the Vice Chairman of BancFirst since 2013. He previously served as the Senior Executive Vice President of the company. From 2005 to 2017, he was the President and Chief Executive Officer of BancFirst.
Darryl W. Schmidt, Director, Chief Executive Officer, BancFirst
Mr. Schmidt serves as a Director and as the Chief Executive Officer of BancFirst (the bank subsidiary).
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The key risks to BancFirst's business include:
- Interest Rate Fluctuations: Changes in market interest rates can significantly impact BancFirst's net interest margin and overall profitability. The company is exposed to market risks, including interest rate and liquidity risks, and employs asset-liability management strategies to mitigate these, although external factors can affect their effectiveness.
- Credit and Lending Risks: BancFirst faces inherent credit and lending risks, particularly due to its substantial real estate loan portfolio. The volatility within the energy sector, especially in Oklahoma and Texas where BancFirst operates, could also adversely affect loan demand and credit quality. Recent reports have noted an increase in net charge-offs, signaling emerging credit risk that requires attention.
- Competitive Environment: BancFirst operates within a highly competitive banking landscape, particularly in Oklahoma and North Texas. The company faces competition from a range of local, regional, and national financial institutions, which could influence interest rates, fees, and the quality of services offered.
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The clear emerging threat to BancFirst (BANF) is the increasing competition from digital-first banks and fintech companies. These entities, including neobanks, online lenders, and tech companies offering financial services, leverage lower operational overheads and advanced digital platforms to attract customers with competitive rates, lower fees, and superior user experiences. This trend directly challenges BancFirst's traditional branch-based banking model and its ability to attract and retain deposits and lending clients, particularly among younger, digitally-native generations, mirroring the disruption seen in other industries.
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BancFirst (symbol: BANF) Addressable Markets for Main Products and Services:
- Commercial Banking: The market size of the Commercial Banking industry in Oklahoma is estimated at $13.4 billion in 2025. This market size is for the region of Oklahoma.
- Deposits and Overall Banking Market:
- Total assets of all FDIC-insured institutions in Oklahoma were approximately $201 billion in Q2 2025. This market size is for the region of Oklahoma.
- Total deposits for banks in Oklahoma City averaged $2.55 billion in Q3 2024. This market size is for the region of Oklahoma City, Oklahoma.
- Total assets for all Oklahoma state-chartered banks were over $99.9 billion as of June 30, 2024. This market size is for the region of Oklahoma.
- Lending (Commercial Real Estate, Residential Real Estate, Personal Loans):
- Total loans for Oklahoma state-chartered banks were $62.19 billion as of June 30, 2024. This market size is for the region of Oklahoma.
- The average home sale price in Oklahoma is $205,000.00, with an average loan amount of $202,390.00. This market data is for the region of Oklahoma.
- Wealth Management / Trust & Investment Services: The global wealth management market was valued at $1.25 trillion in 2020 and is projected to reach $3.43 trillion by 2030, growing at a CAGR of 10.7% from 2021 to 2030. While this provides a global context, specific regional market sizing for Oklahoma or Texas was not available in the provided search results.
- Insurance Services: null
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Here are 3-5 expected drivers of future revenue growth for BancFirst (BANF) over the next 2-3 years:
- Strategic Acquisitions and Market Expansion: BancFirst is actively pursuing growth through strategic acquisitions, notably the planned acquisition of American Bank of Oklahoma (ABOK). This acquisition is expected to close in Q3 2025, with integration anticipated in Q4 2025. This move is projected to add approximately $385 million in total assets, including $320 million in deposits and $280 million in loans, and expand BancFirst's presence into two new communities in Northeastern Oklahoma. This strategic expansion enhances the company's regional footprint and customer base.
- Consistent Loan Volume Growth: A primary driver of BancFirst's net interest income has been, and is expected to continue to be, higher loan volume and general growth in earning assets. The company reported significant loan growth in recent quarters, with loans increasing by $254.0 million from December 31, 2024, to September 30, 2025, reaching $8.3 billion. This sustained increase in lending activities directly contributes to interest income.
- Effective Net Interest Margin (NIM) Management in Changing Interest Rate Environment: BancFirst's net interest margin has remained relatively stable (e.g., 3.75% in Q2 2025 and 3.79% in Q3 2025), and the company is positioned for potential Federal Reserve interest rate cuts in the latter half of 2025. While the direct impact of rate cuts on NIM can vary, the company's ability to prudently manage its asset and liability mix in a dynamic rate environment will be key to sustaining and potentially growing net interest income.
- Growth in Noninterest Income: BancFirst has demonstrated an increasing trend in noninterest income, which contributes to its overall revenue diversification. Recent earnings reports highlight growth in various noninterest income categories, including trust revenue, treasury income, sweep fees, and insurance commissions. Continued expansion and strong performance in these fee-based services are expected to bolster future revenue.
- Robust Deposit Growth and Community-Focused Model: The company has consistently shown strong deposit inflows, reflecting its success in strengthening community relationships and customer loyalty. Deposits totaled $12.1 billion as of June 30, 2025, a substantial increase from the prior year. As of September 30, 2025, deposits continued to show an increase of $399.8 million from year-end 2024. This healthy and growing deposit base provides a stable and cost-effective funding source for BancFirst's lending and investment activities, supporting overall asset growth and revenue generation.
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Share Repurchases
- BancFirst has a Stock Repurchase Program (SRP) that may be utilized to increase earnings per share and return on equity.
- The SRP can also be used to purchase treasury stock for the issuance of shares related to stock-based compensation plans and to provide liquidity for optionees and stockholders.
- All shares repurchased under the SRP are retired and not held as treasury stock.
Share Issuance
- The company issued common stock for stock options and engaged in stock-based compensation arrangements.
- Stock-based compensation expense for the six months ended June 30, 2025, was $1.709 million.
- Stock-based compensation expense for the six months ended June 30, 2024, was $1.635 million.
Outbound Investments
- BancFirst entered into an agreement to acquire American Bank of Oklahoma (ABOK), a privately held community bank with approximately $385 million in total assets, $280 million in loans, and $320 million in deposits, expected to close in Q3 2025.
- In April 2023, BancFirst acquired the Stroud, Oklahoma branch of RCB Bank, which included approximately $13.6 million in total assets, with $2.2 million in loans and $13.0 million in deposits.
- The company makes community investments in low-income housing and new market tax credit investments to support development and generate tax credits.
Capital Expenditures
- Capital expenditures are generally charged to the business unit utilizing the asset.
- The primary focus of capital expenditures includes BancFirst metropolitan banks, BancFirst community banks, Pegasus Bank, and Worthington Bank.
- Other areas for capital expenditures include other financial services and executive, operations, support, and eliminations.
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| 09302022 | BANF | BancFirst | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -6.2% | -1.2% | -19.2% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 110.70 |
| Mkt Cap | 5.8 |
| Rev LTM | 1,224 |
| Op Inc LTM | - |
| FCF LTM | 293 |
| FCF 3Y Avg | 405 |
| CFO LTM | 317 |
| CFO 3Y Avg | 435 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.7% |
| Rev Chg 3Y Avg | 9.5% |
| Rev Chg Q | 6.6% |
| QoQ Delta Rev Chg LTM | 1.7% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 32.7% |
| CFO/Rev 3Y Avg | 39.4% |
| FCF/Rev LTM | 28.4% |
| FCF/Rev 3Y Avg | 35.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.8 |
| P/S | 4.8 |
| P/EBIT | - |
| P/E | 14.2 |
| P/CFO | 14.4 |
| Total Yield | 9.0% |
| Dividend Yield | 1.7% |
| FCF Yield 3Y Avg | 6.9% |
| D/E | 0.1 |
| Net D/E | -0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 3.8% |
| 3M Rtn | 16.7% |
| 6M Rtn | 13.0% |
| 12M Rtn | 7.1% |
| 3Y Rtn | 36.7% |
| 1M Excs Rtn | 4.6% |
| 3M Excs Rtn | 12.3% |
| 6M Excs Rtn | 6.7% |
| 12M Excs Rtn | -4.0% |
| 3Y Excs Rtn | -29.4% |
Segment Financials
Assets by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| BancFirst Community Banks | 7,013 | 6,886 | 5,821 | 5,528 | 4,998 |
| BancFirst Metropolitan Banks | 3,599 | 3,412 | 2,628 | 2,730 | 2,806 |
| Executive, Operations & Support | 1,308 | 1,473 | 1,202 | 1,074 | 951 |
| Pegasus | 1,281 | 1,404 | 1,046 | 920 | 738 |
| Worthington | 600 | 541 | |||
| Other Financial Services | 122 | 172 | 72 | 137 | 102 |
| Eliminations | -1,550 | -1,501 | -1,363 | -1,175 | -1,030 |
| Total | 12,372 | 12,388 | 9,406 | 9,212 | 8,566 |
Price Behavior
Price Behavior
| Market Price | $116.47 | |
| Market Cap ($ Bil) | 3.9 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -13.9% | |
| 50 Days | 200 Days | |
| DMA Price | $111.85 | $119.50 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 4.1% | -2.5% |
| 3M | 1YR | |
| Volatility | 28.0% | 28.4% |
| Downside Capture | 10.22 | 70.27 |
| Upside Capture | 54.39 | 58.72 |
| Correlation (SPY) | 28.2% | 51.7% |
BANF Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.78 | 0.79 | 0.92 | 1.00 | 0.78 | 0.94 |
| Up Beta | 5.94 | 4.36 | 2.27 | 2.26 | 0.82 | 1.08 |
| Down Beta | 0.78 | 0.76 | 1.06 | 1.09 | 0.80 | 0.76 |
| Up Capture | -10% | 2% | 49% | 29% | 51% | 76% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 13 | 20 | 32 | 59 | 125 | 379 |
| Down Capture | -119% | 9% | 49% | 84% | 87% | 100% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 7 | 21 | 29 | 66 | 126 | 370 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANF | |
|---|---|---|---|---|
| BANF | -0.9% | 28.4% | -0.04 | - |
| Sector ETF (XLF) | 2.6% | 19.4% | 0.01 | 62.7% |
| Equity (SPY) | 13.6% | 19.4% | 0.53 | 51.7% |
| Gold (GLD) | 73.5% | 25.5% | 2.13 | -1.0% |
| Commodities (DBC) | 7.9% | 17.0% | 0.28 | 11.0% |
| Real Estate (VNQ) | 7.1% | 16.7% | 0.24 | 46.8% |
| Bitcoin (BTCUSD) | -31.1% | 44.9% | -0.69 | 25.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANF | |
|---|---|---|---|---|
| BANF | 14.7% | 30.7% | 0.49 | - |
| Sector ETF (XLF) | 12.8% | 18.7% | 0.55 | 58.9% |
| Equity (SPY) | 13.5% | 17.0% | 0.63 | 40.9% |
| Gold (GLD) | 21.7% | 17.1% | 1.04 | 0.0% |
| Commodities (DBC) | 10.8% | 19.0% | 0.45 | 9.1% |
| Real Estate (VNQ) | 4.9% | 18.8% | 0.17 | 38.3% |
| Bitcoin (BTCUSD) | 8.4% | 57.2% | 0.37 | 17.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANF | |
|---|---|---|---|---|
| BANF | 17.9% | 35.6% | 0.56 | - |
| Sector ETF (XLF) | 14.3% | 22.2% | 0.59 | 67.4% |
| Equity (SPY) | 15.9% | 17.9% | 0.76 | 50.1% |
| Gold (GLD) | 15.0% | 15.6% | 0.80 | -6.5% |
| Commodities (DBC) | 8.6% | 17.6% | 0.40 | 20.0% |
| Real Estate (VNQ) | 6.9% | 20.7% | 0.30 | 45.4% |
| Bitcoin (BTCUSD) | 68.0% | 66.7% | 1.07 | 15.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/23/2026 | |||
| 7/17/2025 | 3.1% | -3.4% | -6.2% |
| 4/17/2025 | 3.2% | 7.8% | 18.6% |
| 1/23/2025 | -2.2% | -1.9% | -3.8% |
| 10/17/2024 | -1.4% | -5.6% | 5.3% |
| 7/18/2024 | 5.0% | 8.6% | 2.6% |
| 10/20/2022 | 10.4% | 3.8% | 9.3% |
| 4/21/2022 | -0.9% | -2.2% | -4.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 7 | 6 | 9 |
| # Negative | 7 | 8 | 5 |
| Median Positive | 3.1% | 7.1% | 6.6% |
| Median Negative | -1.4% | -4.2% | -4.0% |
| Max Positive | 10.4% | 14.6% | 19.5% |
| Max Negative | -3.6% | -7.7% | -6.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 02/27/2024 | 10-K |
| 09/30/2023 | 11/06/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 02/25/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Drummond, F Ford | Director | Direct | Sell | 8142025 | 126.29 | 5,000 | Form | ||
| 2 | Drummond, F Ford | Director | Direct | Sell | 5282025 | 124.12 | 5,000 | Form | ||
| 3 | Foraker, Randy | Executive Vice President | Direct | Sell | 5222025 | 126.61 | 4,000 | Form | ||
| 4 | Martin, William Scott | Director | The William Scott Martin Trust Dated 3/16/2000 | Sell | 2282025 | 119.13 | 10,000 | 1,191,255 | 25,552,301 | Form |
| 5 | Schmidt, Darryl | Executive Vice President | Direct | Sell | 2112025 | 122.06 | 5,000 | 610,315 | 5,317,562 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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