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Bancfirst Corp (BANF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Watch· this month
$114.01+0.54%
Close 2026-06-16 · 1-day change
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is neutral. Earnings quality is also neutral. Management's recent track record has been fairly steady. Risk is moderate, and the sector backdrop is a headwind. Compared with sector peers, BANF is above typical. Peer multiples imply a price about 38% below where it trades (it looks expensive on this basis); the read is rich. This assessment is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $3.81B
- Employees
- 2,260
- IPO date
- 1995-05-05
- Next earnings
- 2026-07-16
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 7 valuation methods, at three horizons. Current price $114.01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryexpensive
$82.75consensus
Range $67.34 – $90.01
vs price: +38% above
Method agreement — · 7 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfull
$92.95consensus
Range $75.15 – $98.52
vs price: +23% above
Method agreement — · 6 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfull
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Durable premiummedium confidence
At $113 the market pays 16× p/e — above the 12× p/e peer median but in line with its own 17× history. That premium reflects a durable franchise our peer-anchored $82 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
Multiple (P/E)
15.5x
peer 12.2x · own history 17.3x
Premium
1.3x peer
0.9x its own history
Growth the price needs
38%
our forecast 12%
Our fair value
$82.08
range $67.46 – $89.70
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
expensive12-month view
What's priced inUnjustified
The market is pricing in roughly 38% near-term growth, well above our forecast of about 12%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Compared to peers
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
neutralOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
47th pctl · Financials
Earnings quality
neutralOver the trailing year it converted 1.15x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
42nd pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Strongly bullish3 analysts, 0% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $1.80 → $1.80 (+0.0% / 30d). 3 raised, 0 cut, 3 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d, 1 maintained. 0% of analysts rate Buy.
Price target activity
1 PT revisions / 30d. Avg target 7.6% above current price.
Material events
1 positive, 0 negative / 30d. See F4 management tile for the event list.
Sector context
Intermediate · WeeklySector phase: is in (~3.2 years in phase).
Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: strong
- Capital allocation
- strong
- Earnings discipline
- strong
- Margin discipline
- strong
- Balance sheet
- neutral
- Post-call reaction
- neutral
A guidance track record builds as the company issues and delivers on guidance.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$111.
How much price usually moves either way.
On a bad day, this stock has moved -$247.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,362.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceQuartersactive 4d
Watch for net charge-offs rising above $2 million
Why it matters: Higher charge-offs may show weaker credit quality. This can affect net income.
What confirms / what disproves
Confirms:Net charge-offs are over $2 million in Q2. This shows possible credit issues.
Disproves:Net charge-offs are below $2 million. This suggests stable credit quality.
Earnings call
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
- 2026-06-134d agoYahoo! Finance
Acquisition enhances growth and operating income potential.
Strongly reinforcesConfirmed
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
No upside scenarios in the latest snapshot.
Downside triggers
No downside scenarios in the latest snapshot.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-06-107d agoItem 7.01
Regulation FD Disclosure. BancFirst Corporation Announces Acquisition of SpiritBank On June 10, 2026, BancFirst Corporation entered into an agreement to acquire Spirit BankCorp, Inc., an Oklahoma corporation and SpiritBank (Spirit), a privately held community bank headquartered in Tulsa, Oklahoma. Spirit has approximately $939.6 million in total assets, $618.4 million in loans, and $847.2 million in deposits. The transaction is expected to close in the fourth quarter of 2026, subject to regul…
M&A activitypositive
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
-1.8 vs last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.