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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
09/15/2025: BANF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $132.67
1 Year Target Price $132.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.85% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.45B USD | Price to earnings Ratio 19.24 | 1Y Target Price 132.67 |
Price to earnings Ratio 19.24 | 1Y Target Price 132.67 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 96.66 - 138.77 | Updated Date 09/14/2025 |
52 Weeks Range 96.66 - 138.77 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.37% | Basic EPS (TTM) 6.94 |
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) 50.74% |
Management Effectiveness
Return on Assets (TTM) 1.75% | Return on Equity (TTM) 14.43% |
Valuation
Trailing PE 19.24 | Forward PE 18.98 | Enterprise Value 541258240 | Price to Sales(TTM) 6.78 |
Enterprise Value 541258240 | Price to Sales(TTM) 6.78 | ||
Enterprise Value to Revenue 6.87 | Enterprise Value to EBITDA - | Shares Outstanding 33309300 | Shares Floating 22657659 |
Shares Outstanding 33309300 | Shares Floating 22657659 | ||
Percent Insiders 31.7 | Percent Institutions 56.68 |
Upturn AI SWOT
BancFirst Corporation
Company Overview
History and Background
BancFirst Corporation, founded in 1984 and based in Oklahoma City, Oklahoma, is a financial holding company providing commercial banking services. It evolved from a single bank to a multi-bank holding company through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses.
- Retail Banking: Offers personal banking services including checking accounts, savings accounts, loans, and mortgages.
- Trust and Investment Services: Provides trust, investment management, and wealth management services to individuals and institutions.
Leadership and Structure
David R. Rainbolt serves as the Executive Chairman. Michael C. Conner is the Chief Executive Officer. The organizational structure is a typical hierarchical bank structure with regional presidents and department heads reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is difficult to pinpoint specifically. Competitors include national and regional banks like JPMorgan Chase (JPM), Bank of America (BAC), and regional players such as Prosperity Bancshares (PB).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is difficult to pinpoint specifically. Competitors include national and regional banks like JPMorgan Chase (JPM), Bank of America (BAC), and regional players such as Prosperity Bancshares (PB).
- Mortgage Loans: Residential mortgage loans for homebuyers. Market share data is difficult to pinpoint specifically. Competitors include national and regional banks like JPMorgan Chase (JPM), Bank of America (BAC), and mortgage specialists like Rocket Companies (RKT).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities related to interest rate changes, regulatory pressures, fintech disruption, and economic uncertainty.
Positioning
BancFirst Corporation is positioned as a leading regional bank in Oklahoma, known for its strong community ties and customer service. Its competitive advantage lies in its local expertise and personalized banking approach.
Total Addressable Market (TAM)
The TAM for banking services in Oklahoma and surrounding areas is estimated to be in the billions of dollars. BancFirst is well-positioned to capture a significant portion of this market due to its strong presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Oklahoma
- Experienced management team
- Solid financial performance
- High customer loyalty
- Extensive branch network in Oklahoma
Weaknesses
- Geographic concentration in Oklahoma
- Limited international presence
- Susceptibility to regional economic downturns
- Lower technological capabilities compared to larger banks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic recession
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- KEY
- CMA
Competitive Landscape
BancFirst competes with larger national banks and smaller regional banks. Its advantages include local market knowledge and personalized service, while its disadvantages include limited geographic diversification and lower technological capabilities.
Major Acquisitions
Summit Bank
- Year: 2022
- Acquisition Price (USD millions): 45
- Strategic Rationale: Expanded BancFirst's presence in the growing Northeast Oklahoma Market.
Growth Trajectory and Initiatives
Historical Growth: BancFirst has historically grown through organic expansion and strategic acquisitions, focusing on building a strong regional presence.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by loan growth and fee income. Projections depend heavily on economic conditions and interest rate trends.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
BancFirst is a strong regional bank with a solid presence in Oklahoma. Its local expertise and customer relationships are key strengths. Challenges include geographic concentration and competition from larger banks. Investing in technology and exploring expansion opportunities are crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market research reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and 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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