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Upturn AI Summary - About
BancFirst Corporation(BANF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BANF
09/25/2026: BANF (1-star) is currently NOT-A-BUY. Pass it for now.
BancFirst Corporation is a prominent regional bank holding company primarily serving Oklahoma with a long-standing commitment to community-based banking. The company has historically delivered stable earnings through a decentralized operating model and conservative loan underwriting, which supports its long-term financial health. Its primary growth opportunity lies in capturing market share within urban centers and expanding into nearby high-growth markets like Texas. Key risks for investors include geographic concentration in Oklahoma and sensitivity to interest rate fluctuations. BancFirst remains a suitable candidate for income-oriented and value-focused investors who prioritize a consistent dividend and a steady, conservative business model.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | BancFirst is a mature regional bank, offering steady growth rather than the high-velocity expansion typical of growth-focused stocks. |
| Momentum investor | Mixed fit | The stock tends to follow broader financial sector trends rather than aggressive short-term momentum patterns. |
| Value investor | Strong fit | The company's focus on conservative underwriting and reliable earnings often aligns with value-oriented investment philosophies. |
| Dividend investor | Strong fit | BancFirst has a consistent track record of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The company's stable business model and conservative management style generally appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Like most bank stocks, BANF is subject to fluctuations based on interest rate changes and sector sentiment. |
| Valuation risk | Medium | Investors should monitor whether the stock price exceeds its intrinsic value relative to regional banking peers. |
| Competition risk (regional banking) | Medium | The bank faces constant pressure from both national and smaller local competitors for deposit and loan market share. |
| Business quality | Low | The bank maintains a solid reputation and a strong, stable franchise within its core market. |
| Dividend income | Low | Dividend payouts are generally stable and supported by core earnings. |
| Execution risk | Low | Management has historically demonstrated success in integrating acquisitions and maintaining operational efficiency. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -8.56% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.65B USD | Price to earnings Ratio 14.67 | 1Y Target Price 124.33 |
Price to earnings Ratio 14.67 | 1Y Target Price 124.33 | ||
Volume (30-day avg) 128.5K shares | Beta 0.61 | 52 Weeks Range 100.58 - 129.14 | Updated Date 09/27/2026 |
52 Weeks Range 100.58 - 129.14 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 1.83% | Basic EPS (TTM) 7.41 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings derived from the spread between interest income on loans/investments and interest expense on deposits. | The bank earns most of its money by lending money out at higher rates than it pays to depositors. |
| Non-Interest Income | Service charges, trust and wealth management fees, and card-related income. | BancFirst generates supplementary income through fees from various financial services provided to customers. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.67 | Forward PE 18.98 | Enterprise Value -661.36M | Price to Sales(TTM) 5.12 |
Enterprise Value -661.36M | Price to Sales(TTM) 5.12 | ||
Enterprise Value to Revenue 5.1 | Enterprise Value to EBITDA - | Shares Outstanding 33.59M | Shares Floating 23.28M |
Shares Outstanding 33.59M | Shares Floating 23.28M | ||
Percent Insiders 30.99 | Percent Institutions 57.91 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About BancFirst Corporation
Exchange NASDAQ | Headquarters 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 2260 | Website https://www.bancfirst.bank |
Full time employees 2260 | 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; automobiles, home equity loans, and other personal loans; and securities investment products. 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 commercial and personal insurance products; 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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