XVARY Composite Score
60
/ 100
Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
BancFirst is an Oklahoma bank that takes deposits, makes loans, and runs trust services across 106 locations.
How it gets paid
Last year Bancfirst. Ok made $760M in revenue. Commercial banking was the main engine at $460M, or 60% of sales.
Why it's growing
Revenue grew 5.0% last year. Revenue was up 191% vs. prior year, and EPS was up 190%.
What just happened
The quarter printed $565M in revenue, and EPS landed at $5.36.
At a Glance
A balance sheet — strong enough to weather a downturn
80/100 earnings predictability — you can trust these numbers
16.0x trailing p/e — the market's not buying it — or you found a deal
1.9% dividend yield — cash in your pocket every quarter
$6.44 fy2024 eps est
XVARY composite: 60/100 — average
What They Do
BancFirst is an Oklahoma bank that takes deposits, makes loans, and runs trust services across 106 locations.
106 locations across 59 communities give you reach without leaving Oklahoma. Leaving is painful because your payroll, loans, and trust accounts are tied to one local bank. 69% of loans are secured by real estate, so the book is backed by property, not pure faith.
How They Make Money
$760M
annual revenue · their business grew +5.0% last year
Commercial banking
$460M
+4.8%
Consumer lending and mortgages
$210M
+6.2%
Trust and treasury services
$90M
+3.1%
The Products That Matter
Business loans and banking services
Commercial Banking
$127.7M net interest income
this is the core engine. The bank generated $127.7M in net interest income last quarter, which tells you lending and deposit spread still do most of the heavy lifting.
core profit driver
Checking and savings deposits
Consumer Banking
$11.5B deposit base
the deposit base funds the rest of the bank. $11.5B in deposits is the raw material that lets BANF lend, earn spread income, and stay less dependent on wholesale funding.
funding base
Cash management and fee services
Treasury Services
part of $53.3M non-interest income
this matters because fees are the part of the revenue mix that does not rely entirely on rate spreads. The whole non-interest bucket was $53.3M last quarter.
diversifier
Key Numbers
$760M
ttm revenue
This is the top line. For a $4B bank, revenue is the fuel for the dividend and the valuation.
6.63
trailing EPS
You are paying for each dollar of profit here. That number drives the stock math.
16.0x
trailing P/E
That is not bargain-bin cheap for a bank. It says the market already trusts the earnings stream.
1.9%
dividend yield
You get income, but it is not huge. The stock is more about stability than cash yield.
Financial Health
A
Strength
- balance sheet grade A — very strong financial position
- risk rank 4 — safer than 20% of stocks
- price stability 70 / 100
- long-term debt $86M (2% of capital)
A — among the top-rated companies for balance sheet quality.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
beat estimates
The quarter printed $565M in revenue, and EPS landed at $5.36.
Revenue was up 191% vs. prior year, and EPS was up 190%. The bank is still throwing off real earnings, even with noisy quarter-to-quarter swings.
$565M
revenue
$5.36
eps
191%
revenue growth
revenue
$565M mattered because it was the biggest line in the quarter and the clearest proof the bank still has scale.
source: company earnings report, 2026
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What Could Go Wrong
The top risk here is single-state Oklahoma concentration.
High
Single-state Oklahoma concentration
all 106 branches operate in Oklahoma. That means a local slowdown can pressure loan demand, credit quality, and deposit growth at the same time. There is no geographic diversification to bail you out.
106 branches. one state. same risk bucket.
Med
Deposit pricing competition
BANF competes with local, regional, and national banks for deposits and loans. With only 0.5% market share in its broader region, it does not have the scale to dictate pricing.
pricing pressure can squeeze growth even if credit stays fine.
Med
Net interest margin compression
the core profit engine produced $127.7M in net interest income last quarter. If funding costs rise faster than loan yields, that number stalls or falls, and the earnings multiple stops looking so reasonable.
70.6% of quarterly revenue still comes from interest spread economics.
all 106 branches and the $11.5B deposit base sit in one state, so a meaningful Oklahoma slowdown would hit funding, lending, and credit quality together.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Next report
Q1 2026 earnings release
expected late April 2026. The key question is whether net interest income can build on the latest $127.7M.
Trend
Deposit cost pressure
the bank has $11.5B in deposits. If it has to pay materially more to keep that funding, margin pressure shows up fast.
Macro
Oklahoma economic momentum
this is a one-state bank. Any local slowdown matters more here than it would for a geographically diversified peer.
Capital return
Quarterly dividend declaration
the board has been paying a $0.49 quarterly dividend. Stability here supports the case that earnings remain durable.
Analyst Rankings
earnings predictability
80 / 100
in human-speak, analysts see a bank with relatively steady earnings and fewer surprises than the average small-cap financial.
xvary read
average
the setup is straightforward: strong local franchise, modest growth, and no room for sloppiness on margins.
Source: institutional data
Institutional Activity
institutional ownership data for BANF is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$113
Current price
Target midpoint · from current
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