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Upturn AI SWOT - About
BANF 
BancFirst Corporation (BANF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/24/2025: BANF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $121.67
1 Year Target Price $121.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.34% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.76B USD | Price to earnings Ratio 16.02 | 1Y Target Price 121.67 |
Price to earnings Ratio 16.02 | 1Y Target Price 121.67 | ||
Volume (30-day avg) 3 | Beta 0.76 | 52 Weeks Range 96.29 - 138.24 | Updated Date 10/24/2025 |
52 Weeks Range 96.29 - 138.24 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 1.68% | Basic EPS (TTM) 7.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 1.86 | Actual 1.85 |
Profitability
Profit Margin 35.64% | Operating Margin (TTM) 49.31% |
Management Effectiveness
Return on Assets (TTM) 1.75% | Return on Equity (TTM) 14.43% |
Valuation
Trailing PE 16.02 | Forward PE 18.98 | Enterprise Value -148327808 | Price to Sales(TTM) 5.64 |
Enterprise Value -148327808 | Price to Sales(TTM) 5.64 | ||
Enterprise Value to Revenue 6.44 | Enterprise Value to EBITDA - | Shares Outstanding 33329247 | Shares Floating 22677553 |
Shares Outstanding 33329247 | Shares Floating 22677553 | ||
Percent Insiders 31.68 | Percent Institutions 56.63 |
Upturn AI SWOT
BancFirst Corporation
Company Overview
History and Background
BancFirst Corporation (BANF) was founded in 1984 as United Community Corporation. It has grown through acquisitions and organic expansion to become a significant regional bank in Oklahoma.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, consumer loans, and mortgage lending services to individuals and families.
- Wealth Management: Provides investment advisory services, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
David R. Rainbolt serves as the Executive Chairman of the Board. Mike Hewitt is the CEO. The company has a traditional hierarchical structure with regional and departmental management teams.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a major source of revenue. Market share data is difficult to ascertain precisely, but BancFirst is a leading commercial lender in Oklahoma. Competitors include other regional banks like Bank of Oklahoma, Arvest Bank, and national banks with a presence in the region.
- Deposit Accounts: Offers a variety of checking, savings, and money market accounts. Market share depends on the specific region within Oklahoma. Competitors include other banks and credit unions operating in the state.
- Mortgage Lending: Mortgages are a popular product. Bancfirst market share would have to be calculated within the region in which it operates. Competitors include Chase, Wells Fargo, and other regional/local mortgage lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are also navigating economic uncertainties.
Positioning
BancFirst is a well-established regional bank with a strong presence in Oklahoma. Its competitive advantage lies in its local market knowledge, customer relationships, and strong brand reputation.
Total Addressable Market (TAM)
The TAM for banking services in Oklahoma is estimated to be in the billions of dollars. BancFirst is well-positioned to capture a significant share of this market due to its strong local presence and customer loyalty.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Oklahoma
- Established customer relationships
- Experienced management team
- Solid financial performance
- High deposit market share in Oklahoma
Weaknesses
- Geographic concentration in Oklahoma
- Limited product diversification
- Dependence on traditional banking model
- Lower interest income than some competitors
Opportunities
- Expansion into neighboring states
- Increased focus on digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn in Oklahoma
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOKF
- OZK
- CADE
Competitive Landscape
BancFirst competes with other regional and national banks. Its advantages include a strong local presence and customer relationships. Disadvantages include limited geographic diversification and reliance on traditional banking.
Major Acquisitions
First State Bank
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded BancFirst's presence in a growing market.
Growth Trajectory and Initiatives
Historical Growth: BancFirst has experienced steady growth through a combination of organic expansion and acquisitions. Specific growth rates can be calculated based on historical financial data.
Future Projections: Analyst estimates for BancFirst's future growth should be obtained from reputable financial analysis sources and included here.
Recent Initiatives: BancFirst is investing in digital banking platforms and expanding its wealth management services. Information should be added here based on the company's announcements.
Summary
BancFirst is a financially sound regional bank with a strong presence in Oklahoma. Its strength lies in its established customer relationships and local market knowledge. However, it faces challenges from increasing competition, regulatory scrutiny, and the need to adapt to digital banking trends, so geographic diversification is a must.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
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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