Company Analysis

BancFirst Corporation (BANF)

Nasdaq: BANF · National Commercial Banks · Oklahoma City, OK · filing with the SEC since 1994
Grade6.3
◀ Past 5.8● Present 7.1▶ Future 6.1
1 est.

The grade of BancFirst Corporation

Nine metrics read from its own filings, by tense
Headline grade
6.3/10
◀ Past5.840% of the headline
● Present7.135% of the headline
▶ Future6.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

BancFirst Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.6/10

What has it actually done, year after year?

+14.9% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 56th percentile among 79 sector filers · read for its customers

From the record

BancFirst Corporation's 10 filed years say what it did: revenue went from $219 million in fiscal 2016 to $760 million in fiscal 2025, up 14.9% a year; it rose in 7 of 9 years; the deepest fall was 3% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span14.9%top 40% of its family
  • the share of years revenue rosebottom 41% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak2.9%top 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.7/10

How has it treated the people who own it?

Share count grew 0.4% a year. 23% of cash flow returned. Insiders: 16 sales, 0 purchases.

weight 33% of this tense · 37th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, BancFirst Corporation's diluted share count grew about 0.4% a year, and dividends and buybacks returned about 23% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales and 0 purchases of their own stock on the open market in the year to 2026-11-02 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 47% of its family
  • cash returned against operating cash flowbottom 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.1/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.9/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 69th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, BancFirst Corporation earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 0.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 21% of its family
  • return on equitytop 15% of its family
  • the share count against the year beforebottom 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.2/10

How strong is its position in its industry?

top 28% of 79 in its family; net margin 31.6%.

weight 33% of this tense · 72nd percentile among 79 sector filers · read for its customers

From the record

BancFirst Corporation's standing among 79 graded names in its industry family: revenue of $760 million in fiscal 2025 ranks in the top 45% by size; a net margin of 31.6% ranks in the top 12%; revenue growth of 21.9% a year over the last 3 filed years ranks in the top 27% (its annual reports).

What it rests on

  • revenue against the family$760Mtop 45% of its family
  • net margin31.6%top 12% of its family
  • three-year revenue growth21.9%top 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
7.4/10

What are the people in charge doing?

top 26% of 74 in its family for leadership.

weight 22% of this tense · 74th percentile among 74 sector filers · read for its shareholders

From the record

BancFirst Corporation's leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 17 officers and directors filing in the last fifteen months have been on the record a median of 15.8 years (top 1%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 49%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge6 in three years among 17 peoplebottom 49% of its family
  • the median years the people in charge have filed15.8 yearstop 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.1/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
8.1/10

How much room does it have to grow?

SI estimate 8.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 81st percentile among 83 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash from operations less capital spending against revenue, which ranks in the top 19% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash from operations less capital spending against revenue, the one part on file, ranked among 83 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: BancFirst Corporation's room to expand is put at 8.1 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the top 19% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
6.8/10

What could actually drive growth from here?

top 32% of 79 in its family for growth drivers.

weight 33% of this tense · 68th percentile among 79 sector filers · read for its customers

From the record

BancFirst Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 21.9% a year over the last three filed years against 14.9% over all 10, speeding up (top 35% of its family); the newest year grew 5% (top 45%); capital spending grew 34.7% a year (top 17%) (its annual reports). BancFirst Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+7.0 points a yeartop 35% of its family
  • the newest year's revenue growth5.0%top 45% of its family
  • three-year growth of capital spending34.7%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.4/10

Did its newest year beat what its own record pointed to?

bottom 34% of 76 in its family for expectations against reality.

weight 33% of this tense · 34th percentile among 76 sector filers · read for its shareholders

From the record

BancFirst Corporation's newest year against its own record: revenue of $760 million in fiscal 2025 came in 20% below the $951 million its prior three years' pace pointed to (bottom 40% of its family); net income of $241 million against a prior three-year average of $207 million (bottom 39%); a net margin of 31.6% against 36.6% before (bottom 23%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-20.0%bottom 40% of its family
  • net income against the prior three years' average+16%bottom 39% of its family
  • net margin against its prior average-5.0 pointsbottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BANF · research, not advice