BANF BancFirst Corporation - Fundamental Analysis
NEUTRAL
Sign in to save
Save this symbol to a watchlist or track a position.
BANF Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$108.47
Analyst Target
$122.67
+13.1%
Upside
52W High
$138.77
52W Low
$97.02
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$3.64B
P/E
16.66
ROE
14.1%
Profit margin
35.6%
Debt/Equity
N/A
Dividend yield
1.67%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
BANF has a weak Piotroski F-Score of 4/9, indicating marginal financial health, and lacks an Altman Z-Score, limiting distress risk assessment. Despite solid profitability metrics like a 35.64% profit margin and 14.11% ROE, recent earnings growth has slowed with a -5.4% Q/Q EPS decline and only 4.2% YoY growth. The stock trades above both the Graham Number ($88.52) and intrinsic value estimate ($101.23) at $108.47, reflecting modest overvaluation. Mixed analyst sentiment (Hold) and bearish insider activity further support a neutral stance.
Key Strengths
High profitability with 35.64% profit margin and 49.31% operating margin
Strong ROE of 14.11%, outperforming sector average of -7.64%
Low P/E of 16.66 vs sector average of 21.11, suggesting relative value
Conservative payout ratio of 26.56% supports dividend sustainability
Historically strong earnings surprises over past 2-3 years
Key Risks
Weak Piotroski F-Score of 4/9 signals below-average financial stability
Lack of Altman Z-Score prevents clear distress risk evaluation
Bearish technical trend (0/100) and declining price momentum (-9.1% 1Y return)
Recent insider selling: $0.63M in sales, no buys in last 6 months
Overvalued relative to defensive (Graham) and growth-based intrinsic models
AI Fair Value Estimate
Based on comprehensive analysis
$99.88
-7.9% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
58
49
62
45
52
AI Verdict
Neutral with caution due to valuation and weakening momentum
Key drivers: Piotroski F-Score of 4, Stock trading above Graham and intrinsic value, Recent insider selling, Decelerating earnings growth, Strong historical profitability
Confidence
70%
Value
58/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 16.66 below sector average of 21.11
- Forward P/E of 15.27 suggests slight improvement
Watchpoints
- Current price ($108.47) above Graham Number ($88.52)
- Price exceeds intrinsic value estimate ($101.23)
Future
49/100
Ref Growth rates
Positives
- Revenue growth of 6.50% YoY
- Q/Q earnings growth of 6.40%
Watchpoints
- Most recent Q/Q EPS growth at -5.4%
- Earnings growth slowing from prior highs
- PEG Ratio not available, limiting forward valuation
Past
62/100
Ref Historical trends
Positives
- History of positive earnings surprises (18 of last 25 quarters beat)
- 5-Year price return of +88.2% outpaces market
- Consistent revenue and earnings progression pre-2026
Watchpoints
- Last 4 quarters show declining beat rate (1/4 beats)
- 1-Year return of -9.1% underperforms peers
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROA of 1.73% within regional bank norms
- No reported debt/equity or liquidity issues (though data missing)
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Altman Z-Score not available, raising transparency concerns
- Missing key health metrics: Debt/Equity, Current Ratio, Cash/Debt
Dividend
52/100
Ref Yield, Payout
Positives
- Payout ratio of 26.56% is sustainable
- Dividend Strength score of 25/100 is low but stable
Watchpoints
- Dividend yield of 1.67% below sector average
- No 5-year yield average to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$108.47
Analyst Target
$122.67
Upside/Downside
+13.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BANF and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BANF
BancFirst Corporation
Primary
|
+88.2% | +37.7% | -9.1% | -13.6% | -0.6% | -3.8% |
|
BHF
Brighthouse Financial, Inc.
Peer
|
+62.1% | +18.8% | +26.1% | +27.7% | -1.0% | +0.1% |
|
BKU
BankUnited, Inc.
Peer
|
+51.1% | +53.0% | +23.4% | +25.7% | +6.1% | +1.2% |
|
AHL
Aspen Insurance Holdings Limite
Peer
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
AGO
Assured Guaranty Ltd.
Peer
|
+143.2% | +41.2% | -8.7% | -1.1% | -8.4% | -2.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
16.66
Forward P/E
15.27
PEG Ratio
N/A
P/B Ratio
2.03
P/S Ratio
5.46
EV/Revenue
-0.07
EV/EBITDA
N/A
Market Cap
$3.64B
Profitability
Profit margins and return metrics
Profit Margin
35.64%
Operating Margin
49.31%
Gross Margin
N/A
ROE
14.11%
ROA
1.73%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.5%
Earnings Growth
+5.7%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+6.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$122.11
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-16
$N/A
2026-01-22
$1.75
-2.0% surprise
2025-10-17
$1.85
-0.5% surprise
2025-07-17
$1.85
+12.3% surprise
Financial Services Sector Comparison
Comparing BANF against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
16.66
This Stock
vs
30.41
Sector Avg
-45.2%
(Discount)
Return on Equity (ROE)
14.11%
This Stock
vs
-7.57%
Sector Avg
-286.4%
(Below Avg)
Profit Margin
35.64%
This Stock
vs
82.83%
Sector Avg
-57.0%
(Weaker)
Revenue Growth
6.5%
This Stock
vs
28.13%
Sector Avg
-76.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BANF
BancFirst Corporation
|
NEUTRAL | $3.64B | 16.66 | 14.1% | 35.6% | $108.47 | |
|
BHF
Brighthouse Financial, Inc.
|
BEARISH | $3.67B | 4.52 | 16.2% | 12.3% | $64.11 | |
|
BKU
BankUnited, Inc.
|
NEUTRAL | $3.58B | 14.22 | 9.1% | 26.2% | $47.64 | |
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | |
|
AGO
Assured Guaranty Ltd.
|
NEUTRAL | $3.96B | 10.36 | 7.4% | 44.1% | $83.26 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-18 | MARTIN WILLIAM SCOTT | Director | Gift | 5,000 | - |
| 2025-12-09 | SCHMIDT DARRYL | Officer and Director | Gift | 600 | - |
| 2025-08-13 | DRUMMOND F FORD | Director | Option Exercise | 5,000 | $104,150 |
| 2025-08-13 | DRUMMOND F FORD | Director | Sale | 5,000 | $631,438 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
3 analysts
Keefe, Bruyette & Woods
2026-01-23
Market Perform
Market Perform
Keefe, Bruyette & Woods
2025-10-20
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BANF from our newsroom.
Newest → oldest
No matching news yet.