BANF
Financial ServicesBancFirst Corporation · Banks - Regional · $4B
What is BancFirst Corporation?
BancFirst Corporation is an Oklahoma-based bank holding company serving retail customers and small to medium-sized businesses across the state. It operates through several banking segments, including metropolitan and community bank divisions.
BancFirst generates revenue primarily through traditional banking activities — accepting deposits and extending loans across commercial, real estate, consumer, and energy sectors. The company also earns fee income through trust and investment management services, correspondent banking, insurance agency operations, and municipal bond trustee work. Its community-focused model emphasizes local decision-making across its Oklahoma branch network.
BancFirst Corporation was established in 1990 and is headquartered in Oklahoma City, Oklahoma.
- Commercial and consumer lending
- Deposit accounts and cash management
- Trust and investment management services
- Correspondent banking and municipal bond trustee services
Is BANF a Good Stock to Buy?
UQS Score rates BANF as Below Average overall, reflecting meaningful headwinds across several key quality dimensions.
BancFirst's Quality and Risk pillars both register as Good, suggesting the bank maintains reasonable asset quality and a manageable risk profile relative to peers. These attributes reflect the stability typically associated with community-focused banking franchises.
The Moat and Growth pillars both score Weak, indicating limited competitive differentiation and constrained earnings expansion prospects. The Valuation pillar sits at Neutral.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BANF pay dividends?
Yes — BancFirst Corporation pays a dividend.
BancFirst pays a regular dividend, consistent with the income-oriented tradition of community bank holding companies. Mature regional banks often return capital to shareholders through dividends when organic growth opportunities are limited. Investors seeking steady income may find BANF's dividend cadence relevant, though yield levels should be verified against current market data.
When does BANF report earnings?
BancFirst Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
BancFirst's recent results reflect the broader pressures facing community banks, including net interest margin compression and measured loan growth. The bank's community-focused model provides some revenue stability, though growth has remained below sector leaders.
For the most recent quarter's results, visit BancFirst Corporation's investor relations page directly.
BANF Price History
+81.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in BancFirst Corporation?
Based on BancFirst Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BANF Long-term Outlook
BancFirst's fundamental outlook is shaped by Weak Growth and Weak Moat pillar ratings, suggesting limited near-term earnings acceleration. The Good Risk profile provides some downside cushion, but the absence of a strong competitive moat makes sustained outperformance difficult in a competitive regional banking environment. Valuation at Neutral implies the market is not pricing in significant upside or distress.
Growth drivers
- Oklahoma regional economic activity supporting loan demand
- Fee income diversification through trust and municipal services
Key risks
- Limited competitive differentiation in a crowded community banking market
- Interest rate sensitivity affecting net interest margins
- Constrained growth trajectory relative to larger regional peers
BANF vs Peers
BancFirst competes with other regional and community bank holding companies across the southeastern and south-central United States.
Renasant operates primarily across the Deep South and has pursued an acquisition-driven growth strategy to expand its community banking footprint.
Independent Bank Corp. focuses on the New England market, offering a geographically distinct community banking model with a strong Massachusetts presence.
United Community Banks operates across the Southeast and has grown through strategic acquisitions, giving it a broader regional scale than BancFirst.
Frequently Asked Questions
What does BancFirst Corporation do?
BancFirst Corporation is the holding company for BancFirst bank, which provides commercial and consumer banking services across Oklahoma. It offers loans, deposit accounts, trust management, insurance, and correspondent banking services to individuals, small businesses, and municipalities.
Does BANF pay dividends?
Yes, BancFirst pays a regular dividend. This is consistent with the capital return practices of established community bank holding companies. Investors should check current yield and payout details through a financial data provider or the company's investor relations page.
When does BANF report earnings?
BancFirst reports earnings on a quarterly cadence, in line with standard US-listed bank reporting schedules. For specific dates and the most recent results, refer to BancFirst Corporation's investor relations page.
Is BANF a good stock to buy?
UQS Score rates BANF as Below Average overall. While the Quality and Risk pillars are rated Good, the Moat and Growth pillars are both Weak. Whether BANF fits your portfolio depends on your investment goals — view the full pillar breakdown on UQS Pro for a complete picture.
Is BANF overvalued?
BANF's Valuation pillar is rated Neutral by UQS Score, suggesting the stock is neither clearly cheap nor expensive relative to its fundamentals. Investors seeking deeper valuation context can access the full metric breakdown through a UQS Pro membership.
How does BANF compare to its competitors?
BancFirst competes with regional peers such as Renasant Corporation, Independent Bank Corp., and United Community Banks. Compared to some of these competitors, BancFirst's Oklahoma-focused model offers geographic concentration rather than broad regional scale. UQS Pro members can view side-by-side quality comparisons.
What is BANF's market cap bracket?
BancFirst Corporation falls in the mid-cap category, placing it among established but not large-scale regional bank holding companies. Mid-cap banks often balance growth potential with operational maturity.
Who founded BancFirst Corporation?
BancFirst Corporation was incorporated in 1990. Founding details are widely available through public company filings and the company's official history on its website.
Is BANF a long-term quality investment?
As a long-term quality indicator, BANF's UQS profile presents a mixed picture. Good Quality and Risk scores suggest operational stability, but Weak Moat and Growth ratings raise questions about the bank's ability to compound value over time. Pro members can explore the full analysis to assess long-term fit.
What sector does BANF belong to?
BancFirst Corporation operates in the Financial Services sector, specifically within the community and regional banking industry. Banks in this segment earn revenue primarily through net interest income and fee-based services rather than capital markets activity.
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Pro Analysis
BANF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 44.7 | 85.9 | 27.0 | 15.7 | 36.4 | 52.4 | 0.0 |
| May 21, 2026 | 44.7 | 85.9 | 27.0 | 15.7 | 36.4 | 52.5 | -0.1 |
| May 20, 2026 | 44.8 | 85.9 | 27.0 | 15.7 | 36.4 | 53.4 | -0.1 |
| May 19, 2026 | 44.9 | 85.9 | 27.0 | 15.7 | 36.4 | 53.5 | 0.0 |
| May 16, 2026 | 44.9 | 85.9 | 27.0 | 15.7 | 36.4 | 53.8 | +0.1 |
| May 14, 2026 | 44.8 | 85.9 | 27.0 | 15.7 | 36.4 | 53.3 | -0.4 |
| May 13, 2026 | 45.2 | 87.4 | 27.0 | 15.7 | 36.9 | 52.8 | +0.1 |
| May 12, 2026 | 45.1 | 87.4 | 27.0 | 15.7 | 36.9 | 52.5 | 0.0 |
| May 11, 2026 | 45.1 | 87.4 | 27.0 | 15.7 | 36.9 | 51.9 | +2.5 |
| May 10, 2026 | 42.6 | 87.4 | 27.0 | 15.7 | 36.9 | 35.3 | -2.9 |
BANF — Pillar Breakdown
Quality
— 85.9/100 (25%)BancFirst Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 15.7/100 (20%)BancFirst Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)BancFirst Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 52.4/100 (15%)BancFirst Corporation has a mixed valuation — some metrics suggest fair value while others appear stretched.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 27/100 (25%)BancFirst Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BANF.
Score Composition
Financial Data
More Stock Analysis
How is the BANF UQS Score Calculated?
The UQS (Unified Quality Score) for BancFirst Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses BancFirst Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether BancFirst Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.