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Upturn AI SWOT - About
BANF 
BancFirst Corporation (BANF)
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Upturn Advisory Summary
08/28/2025: 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 17.77% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.47B USD | Price to earnings Ratio 19.37 | 1Y Target Price 132.67 |
Price to earnings Ratio 19.37 | 1Y Target Price 132.67 | ||
Volume (30-day avg) 3 | Beta 0.77 | 52 Weeks Range 96.66 - 137.40 | Updated Date 08/28/2025 |
52 Weeks Range 96.66 - 137.40 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.37% | Basic EPS (TTM) 6.93 |
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 19.37 | Forward PE 18.98 | Enterprise Value 551584128 | Price to Sales(TTM) 6.82 |
Enterprise Value 551584128 | Price to Sales(TTM) 6.82 | ||
Enterprise Value to Revenue 6.91 | Enterprise Value to EBITDA - | Shares Outstanding 33309300 | Shares Floating 22657659 |
Shares Outstanding 33309300 | Shares Floating 22657659 | ||
Percent Insiders 31.7 | Percent Institutions 56.66 |
Upturn AI SWOT
BancFirst Corporation
Company Overview
History and Background
BancFirst Corporation was founded in 1984 in Oklahoma City, Oklahoma. It has grown through acquisitions and organic expansion, becoming a prominent regional bank focused on community banking and commercial lending.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and real estate financing, tailored to businesses of various sizes.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other banking services to individual customers.
- Wealth Management: Offers investment management, trust services, and financial planning to high-net-worth individuals and families.
- Insurance: Provides insurance products, including property, casualty, and life insurance, through its subsidiaries.
Leadership and Structure
David Rainbolt serves as the Executive Chairman, and Mike Neal is the CEO. The company operates with a decentralized structure, empowering local market presidents.
Top Products and Market Share
Key Offerings
- Commercial Loans: BancFirst provides commercial loans to businesses of all sizes. Market share data is not publicly specified but the company has a stronghold in Oklahoma. Competitors include Bank of America, JP Morgan Chase, and Wells Fargo in the commercial lending space.
- Deposit Accounts: BancFirst offers checking, savings, and money market accounts. Market share data is not publicly available, but it holds a significant portion of deposits in its operating regions. Competitors include national and regional banks like Chase and Arvest Bank.
- Mortgages: Offers mortgages for home purchase and refinance. Market share is localized, and competition includes Quicken Loans, local credit unions, and other mortgage lenders.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and technological disruption. Competition is intense, with traditional banks facing challenges from fintech companies and non-bank lenders.
Positioning
BancFirst is positioned as a community-focused regional bank with a strong presence in Oklahoma. Its competitive advantage lies in its local market expertise and relationship-based banking approach.
Total Addressable Market (TAM)
The total addressable market for banking services in BancFirst's operating region is estimated to be in the billions of dollars. BancFirst is well-positioned to capture a significant share of this market through its established presence and local expertise.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Oklahoma
- Experienced management team
- Decentralized operational structure
- Strong capital position
- High-quality loan portfolio
Weaknesses
- Geographic concentration in Oklahoma
- Limited international presence
- Reliance on traditional banking services
- Potential impact of interest rate fluctuations
- Increased competition from fintech companies
Opportunities
- Expansion into adjacent markets
- Adoption of new technologies
- Strategic acquisitions
- Growth in wealth management services
- Increasing demand for commercial lending
Threats
- Economic downturn in Oklahoma
- Increased regulatory burdens
- Cybersecurity risks
- Competition from larger banks
- Disruptive fintech innovations
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- Arvest Bank Group
- UMB Financial Corporation (UMBF)
Competitive Landscape
BancFirst competes with national and regional banks, as well as credit unions and fintech companies. Its advantages include its local market expertise, strong brand reputation, and relationship-based banking approach. Disadvantages include its geographic concentration and limited international presence.
Major Acquisitions
First State Bank
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded BancFirst's presence in a growing market and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: BancFirst has historically grown through organic expansion and strategic acquisitions. Its focus on community banking and commercial lending has driven steady growth in revenue and profits.
Future Projections: Future growth projections are based on analyst estimates and company guidance. Factors influencing growth include economic conditions in Oklahoma, interest rate environment, and competition.
Recent Initiatives: Recent initiatives include expanding its digital banking capabilities, investing in new technologies, and strengthening its risk management practices.
Summary
BancFirst is a strong regional bank with a solid presence in Oklahoma. Its community-focused approach and commercial lending expertise have driven consistent growth. However, its geographic concentration and increasing competition from fintech companies present challenges. Strategic initiatives, such as expanding into new markets and adopting new technologies, will be critical for future success. Also watch out for Cybersecurity risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual due diligence 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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