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BancFirst Corporation (BANF)



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Upturn Advisory Summary
06/30/2025: BANF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $121
1 Year Target Price $121
0 | Strong Buy |
0 | Buy |
3 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.04% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.16B USD | Price to earnings Ratio 18.94 | 1Y Target Price 121 |
Price to earnings Ratio 18.94 | 1Y Target Price 121 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 83.12 - 130.74 | Updated Date 06/29/2025 |
52 Weeks Range 83.12 - 130.74 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 6.6 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.78% | Operating Margin (TTM) 46.77% |
Management Effectiveness
Return on Assets (TTM) 1.67% | Return on Equity (TTM) 14.14% |
Valuation
Trailing PE 18.94 | Forward PE 18.98 | Enterprise Value 265507184 | Price to Sales(TTM) 6.51 |
Enterprise Value 265507184 | Price to Sales(TTM) 6.51 | ||
Enterprise Value to Revenue 6.57 | Enterprise Value to EBITDA - | Shares Outstanding 33242800 | Shares Floating 22591152 |
Shares Outstanding 33242800 | Shares Floating 22591152 | ||
Percent Insiders 31.77 | Percent Institutions 56.07 |
Analyst Ratings
Rating 2 | Target Price 121 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BancFirst Corporation

Company Overview
History and Background
BancFirst Corporation was founded in 1984. It has grown through acquisitions and organic expansion to become one of Oklahoma's largest state-chartered banks.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers a variety of retail banking products and services, such as checking and savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
David E. Rainbolt serves as the Executive Chairman of the Board. The company is structured with a corporate headquarters and various community bank divisions throughout Oklahoma.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans for various business purposes, including working capital, equipment financing, and real estate. Market share data for Oklahoma commercial lending is not readily available. Competitors include large national banks like JP Morgan Chase and Bank of America, as well as regional banks.
- Mortgages: Provides residential mortgage loans to individuals. Market share data for Oklahoma mortgages is not readily available. Competitors include national mortgage lenders like Rocket Mortgage and Quicken Loans, as well as other local banks.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share for deposits in Oklahoma is not readily available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions. However, strong economic growth in certain regions provides opportunities for expansion.
Positioning
BancFirst is a leading community bank in Oklahoma. Its competitive advantages include its strong local presence, experienced management team, and focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Oklahoma is estimated to be in the billions of dollars annually. BancFirst is positioned to capture a significant portion of this market with its strong local presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Oklahoma
- Experienced management team
- Focus on customer service
- Sound asset quality
- Strong deposit base
Weaknesses
- Geographic concentration in Oklahoma
- Reliance on traditional banking model
- Limited international presence
- Smaller technology budget than larger competitors
Opportunities
- Expansion into new markets within Oklahoma and surrounding states
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Acquisitions of smaller community banks
Threats
- Rising interest rates
- Increased competition from non-bank financial institutions
- Economic downturn in Oklahoma
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- OZK
- CADE
- FFIN
- BKCC
- HBAN
Competitive Landscape
BancFirst benefits from a strong brand and local presence but faces competition from larger national and regional banks with greater resources.
Major Acquisitions
Summit Bank
- Year: 2022
- Acquisition Price (USD millions): 124
- Strategic Rationale: Expanded BancFirst's presence in the Oklahoma City metro area and increased its market share.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to financial reports and stock performance over the past years.
Future Projections: Future projections require analyst estimates.
Recent Initiatives: Recent initiatives require current news and press releases from BancFirst.
Summary
BancFirst is a strong community bank in Oklahoma with a loyal customer base. While it faces competition from larger banks and potential economic headwinds, its experienced management and focus on customer service position it well for continued growth. Geographic concentration and reliance on traditional banking models pose challenges. Future growth likely relies on strategic acquisitions and digital adaptation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (where available)
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share and other data are based on estimates and publicly available information, which may not be entirely accurate. Investment decisions should be made in consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BancFirst Corporation
Exchange NASDAQ | Headquaters Oklahoma City, OK, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. David R. Harlow | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2135 | Website https://www.bancfirst.bank |
Full time employees 2135 | Website https://www.bancfirst.bank |
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. 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 insurance agency services; 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.
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