BancFirst Corporation Common Stock (BANF)

FairStock Score: 41/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a long-time student of Buffett and Graham, I see BancFirst as a plain-vanilla regional bank: it takes deposits and makes loans to retail customers and small and medium-sized businesses. The earnings record is steady, not spectacular. In fiscal 2025, the year ended 2025-12-31, net income was $240.6M and diluted EPS was $7.11. That was up from $216.4M and $6.44 in fiscal 2024, the year ended 2024-12-31, and $212.5M and $6.34 in fiscal 2023, the year ended 2023-12-31. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $66.7M and diluted EPS was $1.96, better than $62.3M and $1.85 in fiscal Q2 2025, the quarter ended 2025-06-30. FairStock calculates ROE at 13.67%, P/E at 14.41 and P/B at 1.83 based on the 2026-10-13 close of $106.77. A PEG of 1.17 and a 1.95% dividend yield suggest a reasonable but not bargain-priced stock. Beta of 0.66 and a Piotroski F-Score of 6/9 point to stability. FairStock also calls it a Stalwart, citing 19.3% yearly profit growth over five years, though its overall FairStock Score is only 41/100. The bank-specific measures I would want—CET1, net interest margin, credit costs and allowance coverage—are not in this data. Without them, I cannot fully judge underwriting risk. The earnings record is respectable, and the price is not demanding, but at 1.83 times book there is no obvious margin of safety for a bank whose loan quality is unobservable here. That is a hold-your-ground business, not a fat pitch.

In plain English: BancFirst is a regional bank that serves everyday customers and small and medium-sized businesses. The business looks steady: it has kept earning more money over the past few years, and the latest quarter was better than the same quarter a year earlier. At $106.77, the stock looks roughly fair based on those profits and a small dividend—not clearly cheap, but not expensive either.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer