Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
BANF 
BancFirst Corporation (BANF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/30/2025: 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 12/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.61B USD | Price to earnings Ratio 15.58 | 1Y Target Price 121.67 |
Price to earnings Ratio 15.58 | 1Y Target Price 121.67 | ||
Volume (30-day avg) 3 | Beta 0.67 | 52 Weeks Range 96.29 - 138.24 | Updated Date 12/29/2025 |
52 Weeks Range 96.29 - 138.24 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 1.70% | Basic EPS (TTM) 6.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.64% | Operating Margin (TTM) 49.31% |
Management Effectiveness
Return on Assets (TTM) 1.73% | Return on Equity (TTM) 14.11% |
Valuation
Trailing PE 15.58 | Forward PE 18.98 | Enterprise Value -300489312 | Price to Sales(TTM) 5.42 |
Enterprise Value -300489312 | Price to Sales(TTM) 5.42 | ||
Enterprise Value to Revenue 5.58 | Enterprise Value to EBITDA - | Shares Outstanding 33334172 | Shares Floating 22691238 |
Shares Outstanding 33334172 | Shares Floating 22691238 | ||
Percent Insiders 31.68 | Percent Institutions 57.75 |
Upturn AI SWOT
BancFirst Corporation
Company Overview
History and Background
BancFirst Corporation was founded in 1974. It has grown to become a significant regional bank holding company in Oklahoma, with a focus on community banking. Key milestones include its expansion across Oklahoma and into Texas, as well as strategic acquisitions that have bolstered its market presence and service offerings.
Core Business Areas
- Community Banking: This segment is the core of BancFirst's operations, offering a full range of deposit and loan products to individuals and businesses within its service areas. This includes checking and savings accounts, commercial loans, real estate loans, and agricultural loans.
- Commercial Real Estate: Specializes in providing financing for various commercial real estate projects, catering to developers and investors.
- Mortgage Banking: Offers residential mortgage lending services, assisting individuals in purchasing homes.
- Treasury and Investment Services: Provides treasury management solutions for businesses, including cash management, fraud prevention, and payment processing, alongside investment services.
Leadership and Structure
BancFirst Corporation operates as a holding company with BancFirst as its principal subsidiary bank. The leadership team includes a Board of Directors and executive officers responsible for strategic direction and operational oversight. The organizational structure emphasizes a decentralized, community-focused approach to banking.
Top Products and Market Share
Key Offerings
- Community Bank Deposits: Offers a variety of deposit accounts including checking, savings, money market, and certificates of deposit (CDs). Competitors include large national banks, other regional banks, and credit unions.
- Commercial Loans: Provides a broad range of loans to businesses, including working capital loans, equipment financing, and lines of credit. Key competitors are other regional and national banks operating in its markets.
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages for primary residences and investment properties. Competitors include national mortgage lenders and other community banks.
- Treasury Management Services: Includes services like remote deposit capture, automated clearing house (ACH) processing, and wire transfers for businesses. Competitors include larger financial institutions with more advanced technological platforms.
Market Dynamics
Industry Overview
The banking industry in the U.S. is highly competitive and subject to stringent regulation. Key trends include digital transformation, a focus on customer experience, consolidation through mergers and acquisitions, and evolving interest rate environments. Community banks like BancFirst often differentiate themselves through personalized service and deep local market knowledge.
Positioning
BancFirst is positioned as a leading community bank in Oklahoma, known for its strong local presence, customer relationships, and a diversified range of financial services. Its competitive advantages stem from its deep understanding of local markets, agility compared to larger institutions, and a loyal customer base. The company focuses on organic growth alongside strategic, accretive acquisitions.
Total Addressable Market (TAM)
The TAM for BancFirst is essentially the market for banking services within its operating regions, primarily Oklahoma and parts of Texas. This includes consumer and commercial deposits, loans, and a variety of financial services. BancFirst is a significant player within its core Oklahoma market, aiming to capture a larger share of this regional TAM through continued expansion and service enhancement.
Upturn SWOT Analysis
Strengths
- Strong community focus and deep local market knowledge.
- Diversified revenue streams across loan and deposit products.
- Proven track record of successful acquisitions and integration.
- Experienced management team with a stable leadership.
- Robust capital position and consistent profitability.
Weaknesses
- Geographic concentration primarily in Oklahoma, making it susceptible to regional economic downturns.
- Potentially smaller brand recognition compared to national banks.
- Reliance on traditional banking models, requiring ongoing investment in digital capabilities.
- Limited diversification beyond core banking services.
Opportunities
- Expansion into contiguous, underserved markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Strategic acquisitions to expand market share and service capabilities.
- Capitalizing on favorable interest rate environments for net interest margin growth.
- Increased demand for specialized lending products in growth sectors.
Threats
- Intensified competition from national banks, credit unions, and fintech companies.
- Changes in interest rates affecting net interest margins and loan demand.
- Regulatory changes and compliance costs.
- Cybersecurity risks and data breaches.
- Economic recessions impacting loan performance and deposit growth.
Competitors and Market Share
Key Competitors
- Commerce Bancshares Inc. (CBSH)
- First National Bank of Omaha (FNBO - Privately Held)
- Arvest Bank (Privately Held)
- Simmons First Bancshares Inc. (SFBC)
Competitive Landscape
BancFirst competes in a landscape populated by larger national banks, other regional banks, and numerous smaller community banks. Its advantages lie in its strong local relationships, personalized service, and agility. However, it faces challenges from larger institutions with greater marketing budgets, broader product suites, and more advanced technological infrastructure. Fintech companies also represent an emerging competitive threat.
Major Acquisitions
Chickasha Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 72.8
- Strategic Rationale: Acquisition to expand its presence and customer base in the Chickasha market and surrounding areas, enhancing its Oklahoma footprint.
Texoma Community Bank
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to expand into the North Texas market, marking a significant strategic move into a new geographic region.
Growth Trajectory and Initiatives
Historical Growth: BancFirst has demonstrated consistent historical growth driven by organic expansion within its core markets and strategic acquisitions. Its asset base, loan portfolio, and deposit base have shown a steady upward trajectory over the years. Profitability has also been a key component of its growth story.
Future Projections: Future growth is anticipated to be driven by continued expansion in its existing markets, potential entry into new, complementary geographic areas, and ongoing efforts to enhance its digital capabilities. Analysts' projections would typically forecast continued revenue and earnings growth, supported by a healthy loan pipeline and strategic M&A activity.
Recent Initiatives: Recent initiatives likely focus on digital transformation to meet evolving customer expectations, optimizing operational efficiency, and pursuing strategic acquisitions that align with its growth objectives and enhance its market position.
Summary
BancFirst Corporation is a strong regional community bank with a solid history of profitability and consistent growth, particularly in Oklahoma. Its community-focused approach, strategic acquisitions, and diversified services are key strengths. While facing competition from larger institutions and evolving fintech, its deep local market knowledge and customer loyalty provide a stable foundation. Continued investment in digital transformation and prudent expansion will be crucial for maintaining its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- BancFirst Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Websites (e.g., Yahoo Finance, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This JSON output is an analysis based on publicly available information and may not be exhaustive. Financial data, market share, and competitor information are subject to change and should be verified with official sources. This analysis is for informational purposes only and does not constitute financial advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.