BancFirst Financials

BANF Stock  USD 119.04  2.35  2.01%   
Based on the key indicators related to BancFirst's liquidity, profitability, solvency, and operating efficiency, BancFirst may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, BancFirst's Total Current Liabilities is most likely to increase significantly in the upcoming years. The BancFirst's current Total Stockholder Equity is estimated to increase to about 2 B, while Net Debt is forecasted to increase to (3 B).
 
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BancFirst Balance Sheet Chart

At this time, BancFirst's Total Current Liabilities is most likely to increase significantly in the upcoming years. The BancFirst's current Total Stockholder Equity is estimated to increase to about 2 B, while Net Debt is forecasted to increase to (3 B).
Key indicators impacting BancFirst's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.160.2919
Way Down
Slightly volatile
Return On Assets0.00980.0144
Way Down
Slightly volatile
Return On Equity0.140.15
Significantly Down
Pretty Stable
Debt Equity Ratio0.05810.0611
Notably Down
Slightly volatile
Operating Income318.5 M303.4 M
Sufficiently Up
Slightly volatile
Current Ratio0.170.3
Way Down
Very volatile
Investors should never underestimate BancFirst's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to research BancFirst's cash flow, debt, and profitability to make informed and accurate decisions about investing in BancFirst.

Net Income

252.64 Million

  
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Understanding current and past BancFirst Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of BancFirst's financial statements are interrelated, with each one affecting the others. For example, an increase in BancFirst's assets may result in an increase in income on the income statement.

BancFirst Stock Summary

BancFirst competes with Fulton Financial, United Community, BBVA Banco, Associated Banc, and ServisFirst Bancshares. 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. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma. Bancfirst Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1948 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS05945F1030
Business Address100 North Broadway
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bancfirst.bank
Phone405 270 1086
CurrencyUSD - US Dollar

BancFirst Key Financial Ratios

BancFirst Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets9.4B12.4B12.4B13.6B15.6B16.4B
Other Current Liab(56.0M)(76.5M)10.7B11.7B13.5B14.2B
Net Debt(2.0B)(3.1B)(2.3B)(3.5B)(3.1B)(3.0B)
Retained Earnings977.1M1.1B1.3B1.4B1.6B1.7B
Accounts Payable49.2M51.9M56.0M76.5M87.9M83.5M
Cash2.1B3.2B2.4B3.6B4.1B4.3B
Net Receivables202.9M220.6M234.0M301.6M346.8M364.1M
Other Current Assets1.7B2.1B3.2B2.5B2.8B2.7B
Total Liab8.2B11.1B10.9B11.9B13.7B14.4B
Total Current Assets2.8B5.0B4.0B3.9B4.5B4.7B
Intangible Assets17.6M20.0M16.7M13.2M15.1M17.4M
Common Stock32.6M32.9M32.9M33.2M38.2M20.6M
Other Assets5.6B5.4B38.8M11.6B13.4B14.0B
Long Term Debt86.0M86.0M86.1M86.2M99.1M50.2M
Inventory(1.9B)(1.7B)(2.1B)(3.2B)(2.9B)(2.8B)
Net Tangible Assets833.8M899.0M978.6M1.0B1.2B831.9M
Capital Surpluse153.4M156.6M159.9M169.2M194.6M143.3M

BancFirst Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense11.4M46.1M199.5M277.3M309.9M325.4M
Total Revenue497.1M603.6M809.3M908.7M824.3M865.5M
Gross Profit494.4M547.3M602.4M622.4M683.4M717.6M
Operating Income208.4M237.4M269.9M275.3M303.4M318.5M
Ebit208.4M237.4M269.9M275.3M303.4M318.5M
Ebitda228.4M259.5M292.1M297.0M325.9M342.2M
Cost Of Revenue2.7M56.2M206.9M286.3M140.9M147.9M
Income Before Tax208.4M237.4M269.9M275.3M305.1M320.4M
Net Income167.6M193.1M212.5M216.4M240.6M252.6M
Income Tax Expense40.8M44.3M57.5M58.9M64.5M67.7M
Tax Provision40.8M44.3M57.5M58.9M67.8M45.8M
Net Interest Income315.7M373.7M424.5M446.9M513.9M333.2M
Interest Income315.7M373.7M623.9M724.1M832.8M874.4M

BancFirst Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash433.1M1.1B(771.4M)1.2B1.3B1.4B
Free Cash Flow162.5M206.5M210.5M224.5M258.2M271.1M
Depreciation20.0M22.0M22.2M21.7M24.9M26.2M
Other Non Cash Items(10.7M)22.6M336K16.1M18.5M12.2M
Dividends Paid45.1M48.5M(53.6M)(57.8M)(66.4M)(63.1M)
Capital Expenditures27.3M19.8M22.5M36.7M42.1M44.3M
Net Income167.6M193.1M212.5M216.4M248.8M261.2M
End Period Cash Flow2.1B3.2B2.4B3.6B4.1B4.3B
Change To Inventory1.6M617K(3.2M)(7.7M)(6.9M)(7.3M)
Investments463.0M(1.6B)(669.7M)(71.4M)(64.3M)(67.5M)
Change Receivables887K(325K)4.2M(16.9M)(15.2M)(14.5M)
Change To Netincome12.3M38.0M(4.8M)23.7M27.3M28.6M

BancFirst Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining BancFirst's current stock value. Our valuation model uses many indicators to compare BancFirst value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BancFirst competition to find correlations between indicators driving BancFirst's intrinsic value. More Info.
BancFirst is rated third in return on equity category among its peers. It is number one stock in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for BancFirst is roughly  8.17 . At this time, BancFirst's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value BancFirst by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from BancFirst's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into BancFirst current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BancFirst. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
For more detail on how to invest in BancFirst Stock please use our How to Invest in BancFirst guide.At this time, BancFirst's Enterprise Value Over EBITDA is most likely to increase in the upcoming years. The BancFirst's current Enterprise Value Multiple is estimated to increase to 1.65, while Tax Provision is projected to decrease to roughly 45.8 M.
 2023 2024 2025 2026 (projected)
Interest Expense199.5M277.3M309.9M325.4M
Depreciation And Amortization22.2M21.7M22.5M12.0M

BancFirst fundamental ratios Correlations

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Click cells to compare fundamentals

BancFirst Account Relationship Matchups

BancFirst fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets9.4B12.4B12.4B13.6B15.6B16.4B
Other Current Liab(56.0M)(76.5M)10.7B11.7B13.5B14.2B
Net Debt(2.0B)(3.1B)(2.3B)(3.5B)(3.1B)(3.0B)
Retained Earnings977.1M1.1B1.3B1.4B1.6B1.7B
Accounts Payable49.2M51.9M56.0M76.5M87.9M83.5M
Cash2.1B3.2B2.4B3.6B4.1B4.3B
Net Receivables202.9M220.6M234.0M301.6M346.8M364.1M
Other Current Assets1.7B2.1B3.2B2.5B2.8B2.7B
Total Liab8.2B11.1B10.9B11.9B13.7B14.4B
Total Current Assets2.8B5.0B4.0B3.9B4.5B4.7B
Intangible Assets17.6M20.0M16.7M13.2M15.1M17.4M
Common Stock32.6M32.9M32.9M33.2M38.2M20.6M
Other Assets5.6B5.4B38.8M11.6B13.4B14.0B
Long Term Debt86.0M86.0M86.1M86.2M99.1M50.2M
Inventory(1.9B)(1.7B)(2.1B)(3.2B)(2.9B)(2.8B)
Net Tangible Assets833.8M899.0M978.6M1.0B1.2B831.9M
Capital Surpluse153.4M156.6M159.9M169.2M194.6M143.3M
Today, most investors in BancFirst Stock are looking for potential investment opportunities by analyzing not only static indicators but also various BancFirst's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of BancFirst growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.51

At this time, BancFirst's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

BancFirst February 7, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of BancFirst help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of BancFirst. We use our internally-developed statistical techniques to arrive at the intrinsic value of BancFirst based on widely used predictive technical indicators. In general, we focus on analyzing BancFirst Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build BancFirst's daily price indicators and compare them against related drivers.

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When running BancFirst's price analysis, check to measure BancFirst's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy BancFirst is operating at the current time. Most of BancFirst's value examination focuses on studying past and present price action to predict the probability of BancFirst's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move BancFirst's price. Additionally, you may evaluate how the addition of BancFirst to your portfolios can decrease your overall portfolio volatility.
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