BancFirst Corporation
BancFirst Corporation Fundamental Analysis
BancFirst Corporation (BANF) shows moderate financial fundamentals with a PE ratio of 15.65, profit margin of 32.21%, and ROE of 8.69%. The company generates $0.8B in annual revenue with weak year-over-year growth of -9.29%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BANF's fundamental strength across five key dimensions:
Efficiency Score
WeakBANF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBANF shows balanced valuation metrics.
Growth Score
ModerateBANF shows steady but slowing expansion.
Financial Health Score
ExcellentBANF maintains a strong and stable balance sheet.
Profitability Score
ModerateBANF maintains healthy but balanced margins.
Key Financial Metrics
Is BANF Expensive or Cheap?
P/E Ratio
BANF trades at 15.65 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, BANF's PEG of 5.95 indicates potential overvaluation.
Price to Book
The market values BancFirst Corporation at 0.64 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 25.06 times EBITDA. This signals the market has high growth expectations.
How Well Does BANF Make Money?
Net Profit Margin
For every $100 in sales, BancFirst Corporation keeps $32.21 as profit after all expenses.
Operating Margin
Core operations generate 40.65 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.69 in profit for every $100 of shareholder equity.
ROA
BancFirst Corporation generates $1.79 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BancFirst Corporation generates strong operating cash flow of $208.25M, reflecting robust business health.
Free Cash Flow
BancFirst Corporation generates strong free cash flow of $171.26M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.11 in free cash annually.
FCF Yield
BANF converts 4.46% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
5.95
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.64
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.04
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.003
vs 25 benchmark
Current Ratio
Current assets to current liabilities
290.99
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BANF Stacks Against Its Sector Peers
| Metric | BANF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.65 | 19.21 | Better (Cheaper) |
| ROE | 8.69% | 817.00% | Weak |
| Net Margin | 32.21% | -464.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 12.73 | Strong (Low Leverage) |
| Current Ratio | 290.99 | 659.50 | Strong Liquidity |
| ROA | 1.79% | -24814.00% (disorted) | Weak |
BANF outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BancFirst Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
73.54%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
136.18%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
80.08%
Industry Style: Value, Dividend, Cyclical
High Growth