Bancfirst CorpBancfirst Corp
Bancfirst Corp

Bancfirst Corp

BANF
Financials·Banks

BancFirst Corp. is a bank holding company, which provides retail and commercial banking services. Its services include commercial, real estate, agricultural and consumer lending, depository and funds transfer services, collections, safe deposit boxes, cash management services, retail brokerage services, and other services tailored for both individual and corporate customers. The firm operates through the following business segments: Metropolitan Banks, Community Banks, Pegasus, Worthington, American Bank of Oklahoma, Other Financial Services, and Executive Operations and Support. The Metropolitan Banks segment consists of banking locations in the metropolitan Oklahoma City and Tulsa areas. The Community Banks segment consists of banking locations in communities throughout Oklahoma. The Pegasus Bank segment consists of banking locations in the Dallas metropolitan area. The Other Financial Services segment refers to specialty product business units, including guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking, and insurance. The Executive Operations and Support segment represents executive management, operational support, and corporate functions that are not allocated to the other business units. The company was founded in July 1984 and is headquartered in Oklahoma City, OK.

Oklahoma; U.S.A
Market cap
$3.6BNo data
Revenue
$690.6M+9.4% YoY
Net income
$240.6M+11.2% YoY
Free cash flow
$237M+5.5% YoY

Market

Listed stock
BANFPriceNasdaq
Loading…Loading…1Y

Financial performance

Revenue
$690.6M+9.4% YoY
Operating income
$364.7M+22.8% YoY
Net income
$240.6M+11.2% YoY
Free cash flow
$237M+5.5% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $485.7M, 2022 $557.4M, 2023 $609.9M, 2024 $631.4M, 2025 $690.6M. Operating income: 2021 $431.7M, 2022 $465.6M, 2023 $358.8M, 2024 $297M, 2025 $364.7M. Net income: 2021 $167.6M, 2022 $193.1M, 2023 $212.5M, 2024 $216.4M, 2025 $240.6M. Free cash flow: 2021 $162.5M, 2022 $206.5M, 2023 $210.5M, 2024 $224.5M, 2025 $237M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
9.4%+583 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $431.7M, 2022-12-31 $465.6M, 2023-12-31 $358.8M, 2024-12-31 $297M, 2025-12-31 $364.7M. Net income: 2021-12-31 $167.6M, 2022-12-31 $193.1M, 2023-12-31 $212.5M, 2024-12-31 $216.4M, 2025-12-31 $240.6M. Free cash flow: 2021-12-31 $162.5M, 2022-12-31 $206.5M, 2023-12-31 $210.5M, 2024-12-31 $224.5M, 2025-12-31 $237M

Growth heatmap

2022202320242025CAGR
Revenue
+14.8%
+9.4%
+3.5%
+9.4%
+9.2%
Gross profit
+14.7%
+10.1%
+3.3%
+10.0%
+9.5%
Operating income
+7.8%
-22.9%
-17.2%
+22.8%
-4.1%
Free cash flow
+27.0%
+2.0%
+6.7%
+5.5%
+9.9%

Earnings quality

Operating cash flow
$285.3M+9.2% YoY
Net income
$240.6M+11.2% YoY
Free cash flow
$237M+5.5% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 119%, 2024-12-31 121%, 2023-12-31 110%, 2022-12-31 117%, 2021-12-31 113%. Free cash flow: 2025-12-31 98%, 2024-12-31 104%, 2023-12-31 99%, 2022-12-31 107%, 2021-12-31 97%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
No dataNo data
Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
No data
No data
Price to sales
No data
No data
No data
No data
EV / EBITDA
No data
No data
No data
No data
Free cash flow yield
No data
No data
No data
No data