Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
BANF logo BANF
Upturn stock ratingUpturn stock rating
BANF logo

BancFirst Corporation (BANF)

Upturn stock ratingUpturn stock rating
$123.62
Last Close (24-hour delay)
Profit since last BUY2.11%
upturn advisory
Consider higher Upturn Star rating
BUY since 39 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: BANF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $121

1 Year Target Price $121

Analysts Price Target For last 52 week
$121Target price
Low$83.12
Current$123.62
high$130.74

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

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 -

ai summary icon Upturn AI SWOT

BancFirst Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2135

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.