Bancfirst Corp Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Bancfirst Corp's revenue surged 16.1% year-over-year to $724.1M, reflecting rapid business expansion. This strong growth earns a score of 74/100.
Bancfirst Corp has elevated debt relative to equity (D/E of 7.36), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Bancfirst Corp converts 31.0% of revenue into free cash flow ($224.5M). This strong cash generation earns a score of 100/100.
Bancfirst Corp's ROE of 13.4% shows moderate profitability relative to equity, earning a score of 53/100. This is down from 14.8% the prior year.
Bancfirst Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Bancfirst Corp generates $1.21 in operating cash flow ($261.2M OCF vs $216.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Bancfirst Corp (BANF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Bancfirst Corp generated $724.1M in revenue in fiscal year 2024. This represents an increase of 16.1% from the prior year.
Bancfirst Corp generated $224.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 6.7% from the prior year.
Bancfirst Corp reported $216.4M in net income in fiscal year 2024. This represents an increase of 1.8% from the prior year.
Bancfirst Corp earned $6.44 per diluted share (EPS) in fiscal year 2024. This represents an increase of 1.6% from the prior year.
Bancfirst Corp paid $1.78 per share in dividends in fiscal year 2024. This represents an increase of 7.2% from the prior year.
Bancfirst Corp had 33M shares outstanding in fiscal year 2024. This represents an increase of 0.9% from the prior year.
Bancfirst Corp's net profit margin was 29.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.2 percentage points from the prior year.
Bancfirst Corp's ROE was 13.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.5 percentage points from the prior year.
Bancfirst Corp invested $36.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 62.9% from the prior year.
BANF Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $194.4M+3.2% | $188.4M+3.3% | $182.5M-2.1% | $186.4M+4.4% | $178.5M+4.0% | $171.6M+2.5% | $167.4M+4.5% | $160.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $68.8M+2.4% | $67.2M+1.0% | $66.5M-5.6% | $70.5M+2.8% | $68.6M+4.6% | $65.5M+5.1% | $62.4M+11.6% | $55.9M |
| Income Tax | $16.3M-6.1% | $17.4M+16.1% | $15.0M-3.6% | $15.5M+6.9% | $14.5M+4.7% | $13.9M+20.9% | $11.5M-19.4% | $14.2M |
| Net Income | $62.7M+0.5% | $62.3M+11.1% | $56.1M-0.6% | $56.5M+11.5% | $50.6M+0.6% | $50.3M+2.9% | $48.9M-4.0% | $51.0M |
| EPS (Diluted) | $1.850.0% | $1.85+11.4% | $1.66-1.2% | $1.68+11.3% | $1.51+0.7% | $1.50+2.7% | $1.46-3.9% | $1.52 |
BANF Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $14.2B+1.1% | $14.0B+0.1% | $14.0B+3.6% | $13.6B+6.4% | $12.7B+1.1% | $12.6B+1.9% | $12.4B+2.1% | $12.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $182.3M0.0% | $182.3M0.0% | $182.3M0.0% | $182.3M0.0% | $182.3M0.0% | $182.3M0.0% | $182.3M0.0% | $182.3M |
| Total Liabilities | $12.4B+0.8% | $12.3B-0.4% | $12.4B+3.6% | $11.9B+6.3% | $11.2B+0.8% | $11.1B+1.8% | $10.9B+1.8% | $10.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.8B+3.2% | $1.7B+3.3% | $1.7B+3.2% | $1.6B+7.2% | $1.5B+2.9% | $1.5B+2.5% | $1.4B+4.6% | $1.4B |
| Retained Earnings | $1.6B+3.0% | $1.5B+3.2% | $1.5B+2.8% | $1.4B+6.3% | $1.3B+2.8% | $1.3B+2.8% | $1.3B+2.8% | $1.2B |
BANF Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $75.4M-3.5% | $78.1M+1.5% | $77.0M+349.2% | $17.1M-82.9% | $100.2M+51.0% | $66.3M+55.1% | $42.8M-30.0% | $61.1M |
| Capital Expenditures | $11.7M-14.8% | $13.7M+21.5% | $11.3M-25.3% | $15.1M+151.5% | $6.0M-41.3% | $10.3M+113.2% | $4.8M+2.8% | $4.7M |
| Free Cash Flow | $63.7M-1.0% | $64.4M-1.9% | $65.6M+3201.9% | $2.0M-97.9% | $94.1M+67.9% | $56.1M+47.7% | $38.0M-32.7% | $56.4M |
| Investing Cash Flow | -$73.5M-406.7% | $24.0M+147.6% | -$50.4M-115.9% | $317.0M+244.1% | -$220.0M-55.8% | -$141.2M-5.6% | -$133.7M+19.9% | -$166.8M |
| Financing Cash Flow | $55.3M+170.1% | -$78.9M-120.0% | $393.8M+73.1% | $227.5M+158.3% | $88.1M-56.5% | $202.5M+33.6% | $151.6M+354.7% | $33.4M |
| Dividends Paid | $15.3M+0.1% | $15.3M+0.1% | $15.3M+0.3% | $15.2M+7.5% | $14.2M+0.1% | $14.2M0.0% | $14.2M+7.4% | $13.2M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0 | N/A |
BANF Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 32.2%-0.9pp | 33.1%+2.3pp | 30.8%+0.5pp | 30.3%+1.9pp | 28.4%-0.9pp | 29.3%+0.1pp | 29.2%-2.6pp | 31.8% |
| Return on Equity | 3.5%-0.1pp | 3.6%+0.3pp | 3.4%-0.1pp | 3.5%+0.1pp | 3.4%-0.1pp | 3.4%+0.0pp | 3.4%-0.3pp | 3.7% |
| Return on Assets | 0.4%0.0pp | 0.4%+0.0pp | 0.4%-0.0pp | 0.4%+0.0pp | 0.4%0.0pp | 0.4%0.0pp | 0.4%-0.0pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.96-0.2 | 7.13-0.3 | 7.39+0.0 | 7.36-0.1 | 7.42-0.2 | 7.58-0.1 | 7.63-0.2 | 7.84 |
| FCF Margin | 32.8%-1.4pp | 34.2%-1.8pp | 36.0%+34.9pp | 1.1%-51.7pp | 52.7%+20.1pp | 32.7%+10.0pp | 22.7%-12.5pp | 35.2% |
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Frequently Asked Questions
What is Bancfirst Corp's annual revenue?
Bancfirst Corp (BANF) reported $724.1M in total revenue for fiscal year 2024. This represents a 16.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Bancfirst Corp's revenue growing?
Bancfirst Corp (BANF) revenue grew by 16.1% year-over-year, from $623.9M to $724.1M in fiscal year 2024.
Is Bancfirst Corp profitable?
Yes, Bancfirst Corp (BANF) reported a net income of $216.4M in fiscal year 2024, with a net profit margin of 29.9%.
What is Bancfirst Corp's earnings per share (EPS)?
Bancfirst Corp (BANF) reported diluted earnings per share of $6.44 for fiscal year 2024. This represents a 1.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Bancfirst Corp's net profit margin?
Bancfirst Corp (BANF) had a net profit margin of 29.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Bancfirst Corp pay dividends?
Yes, Bancfirst Corp (BANF) paid $1.78 per share in dividends during fiscal year 2024.
What is Bancfirst Corp's return on equity (ROE)?
Bancfirst Corp (BANF) has a return on equity of 13.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bancfirst Corp's free cash flow?
Bancfirst Corp (BANF) generated $224.5M in free cash flow during fiscal year 2024. This represents a 6.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Bancfirst Corp's operating cash flow?
Bancfirst Corp (BANF) generated $261.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bancfirst Corp's total assets?
Bancfirst Corp (BANF) had $13.6B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Bancfirst Corp's capital expenditures?
Bancfirst Corp (BANF) invested $36.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Bancfirst Corp have outstanding?
Bancfirst Corp (BANF) had 33M shares outstanding as of fiscal year 2024.
What is Bancfirst Corp's debt-to-equity ratio?
Bancfirst Corp (BANF) had a debt-to-equity ratio of 7.36 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bancfirst Corp's return on assets (ROA)?
Bancfirst Corp (BANF) had a return on assets of 1.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Bancfirst Corp's Piotroski F-Score?
Bancfirst Corp (BANF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Bancfirst Corp's earnings high quality?
Bancfirst Corp (BANF) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Bancfirst Corp?
Bancfirst Corp (BANF) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.