Stocks · Financial Services · Banks - Regional
BancFirst Corporation BANF
$108.08 +1.49% Close, Oct 2, 2026 · NASDAQ · Market cap $3.63B
High qualityWeak trend
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 41.1% from 31.6% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- Revenue over the last four quarters was $781.0M, down 16.7% from a year earlier, slowing from -9.6% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 8%
- EPS growth (TTM, YoY)Bottom 35%
- FCF growth (TTM, YoY)Top 49%
- Revenue growth, 3-year CAGRBottom 34%
- Revenue growth accelerationBottom 20%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 12%
- Gross marginTop 5%
- Operating marginTop 13%
- Cash conversion (OCF / net income)Bottom 49%
- Accruals (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverTop 47%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 48%
- Free-cash-flow yieldBottom 43%
- P/E vs own 5-year history (lower is better)Top 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 16%
- 6-month returnBottom 19%
- 1-year return vs S&P 500Bottom 19%
- Distance from 52-week highBottom 32%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 40%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetTop 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 34%
- Maximum drawdown, 3 yearsTop 35%
- Beta vs S&P 500 (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -9.6% | -16.7% | ↓ |
| EPS growth (YoY) | 10.6% | 6.8% | ↓ |
| Gross margin | 70.0% | 90.5% | ↑ |
| Operating margin | 31.6% | 41.1% | ↑ |
| FCF margin | 21.8% | 31.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -16.7% | -9.6% | ↓ | Bottom 8% |
| EPS growth (TTM, YoY) | 6.8% | 10.6% | ↓ | Bottom 35% |
| Gross margin | 90.5% | 70.0% | ↑ | Top 5% |
| Operating margin | 41.1% | 31.6% | ↑ | Top 13% |
| Net margin | 32.2% | 24.9% | ↑ | — |
| Free-cash-flow margin | 31.4% | 21.8% | ↑ | — |
| Return on invested capital | 11.2% | — | Top 12% | |
| Revenue growth, 3-year CAGR | 10.9% | — | Bottom 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.15×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -12.77×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.78%
- Net buyback yield (TTM)
- -0.11%
- Shareholder yield
- 1.67%
- Share count change, 1 year
- +0.7%
- Share count change, 3-year CAGR
- +0.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +2.9%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $125.00
- Target vs current price
- +15.7%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +8.9% | -0.4% | -1.6% | -2.1% | — |
| Apr 16, 2026 | +5.1% | -1.1% | +0.9% | -4.0% | +1.7% |
| Jan 23, 2026 | -1.7% | -7.6% | -7.0% | -0.5% | -1.8% |
| Oct 17, 2025 | -0.5% | -1.5% | -2.9% | -3.9% | -4.9% |
| Jul 17, 2025 | +10.8% | +2.7% | +0.8% | -0.9% | -2.8% |
| Apr 17, 2025 | +5.7% | +1.9% | +10.8% | +19.3% | +17.5% |
| Jan 23, 2025 | +4.3% | +0.4% | -2.1% | -2.5% | -9.3% |
| Oct 17, 2024 | +10.8% | +3.2% | -1.7% | +9.4% | +3.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.96 | $1.80 | +8.9% | $187.5M |
| Apr 16, 2026 | $1.85 | $1.76 | +5.1% | $179.0M |
| Jan 23, 2026 | $1.75 | $1.78 | -1.7% | $181.0M |
| Oct 17, 2025 | $1.85 | $1.86 | -0.5% | $175.5M |
| Jul 17, 2025 | $1.85 | $1.67 | +10.8% | $169.3M |
| Apr 17, 2025 | $1.67 | $1.58 | +5.7% | $164.8M |
| Jan 23, 2025 | $1.68 | $1.61 | +4.3% | $162.9M |
| Oct 17, 2024 | $1.75 | $1.58 | +10.8% | $163.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.6× | 15.7× | 24th | Top 48% |
| P/E (forward) | 14.0× | — | — | — |
| Free-cash-flow yield | 6.76% | — | — | Bottom 43% |
| Earnings yield | 6.86% | — | — | Top 48% |
P/E over the past five years
Range 11.5× – 23.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -13.7%
- Earnings per share growth (TTM)
- +6.8%
- Change in P/E multiple
- -13.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.0%
- 200-day average slope (20 days)
- -0.1%
- Distance from 50-day average
- -3.0%
- Distance from 200-day average
- -3.3%
- RSI (14)
- 45.8
- Relative volume
- 1.13×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -15.0%
- Maximum drawdown, 3 years
- -24.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 15, 2022 | May 4, 2023 | -38.8% | 181 days | 380 days (Nov 6, 2024) |
| Mar 12, 2021 | Sep 10, 2021 | -30.1% | 126 days | 88 days (Jan 14, 2022) |
| Sep 4, 2025 | Mar 18, 2026 | -24.3% | 134 days | Not yet recovered |
| Dec 6, 2024 | Apr 4, 2025 | -22.1% | 80 days | 30 days (May 19, 2025) |
| Jul 8, 2022 | Jul 14, 2022 | -11.6% | 4 days | 6 days (Jul 22, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.63B
- P/E (TTM)
- 14.6
- EPS, diluted (TTM)
- $7.41
- Revenue (TTM)
- $781.0M
- Dividend yield
- 1.84%
- 52-week range
- $101.48 – $128.95
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $497.1M | $603.6M | $809.3M | $908.7M | $824.3M |
| Gross profit | $494.4M | $547.3M | $602.4M | $622.4M | $683.4M |
| Operating income | $208.4M | $237.4M | $269.9M | $275.3M | $303.4M |
| Net income | $167.6M | $193.1M | $212.5M | $216.4M | $240.6M |
| EPS (diluted) | $5.03 | $5.77 | $6.34 | $6.44 | $7.12 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $236.4M | $233.4M | $231.4M | $236.5M | $175.5M | $181.0M | $241.6M | $182.9M |
| Net income | $58.9M | $56.5M | $56.1M | $62.3M | $62.7M | $59.5M | $63.0M | $66.7M |
| EPS (diluted) | $1.75 | $1.67 | $1.67 | $1.85 | $1.85 | $1.75 | $1.85 | $1.96 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $203.9M | $226.3M | $233.0M | $261.2M | $285.3M |
| Capital expenditure | -$27.3M | -$19.8M | -$22.5M | -$36.7M | -$48.3M |
| Free cash flow | $176.7M | $206.5M | $210.5M | $224.5M | $237.0M |
| Dividends paid | -$45.1M | -$48.5M | -$53.6M | -$57.8M | -$62.2M |
| Net share buybacks | -$9.4M | $7.6M | $723,000 | $9.2M | $4.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $5.52B
- Total assets
- $15.08B
- Total liabilities
- $13.13B
- Total debt
- $92.2M
- Net debt
- -$4.31B
- Shareholders’ equity
- $1.96B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.52 | Oct 15, 2026 |
| Jun 30, 2026 | $0.49 | Jul 15, 2026 |
| Mar 31, 2026 | $0.49 | Apr 15, 2026 |
| Dec 31, 2025 | $0.49 | Jan 15, 2026 |
| Sep 30, 2025 | $0.49 | Oct 15, 2025 |
| Jun 30, 2025 | $0.46 | Jul 15, 2025 |
| Mar 31, 2025 | $0.46 | Apr 15, 2025 |
| Dec 31, 2024 | $0.46 | Jan 15, 2025 |
Short interest
- Shares sold short
- 962,145
- Days to cover
- 7.48
- Change vs previous report
- +7.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 1, 2017
- 2-for-1
- Mar 2, 2006
- 2-for-1
- Jun 15, 1992
- 3-for-2