Bancfirst Stock Price, News & Analysis

BancFirst Corporation (NASDAQ: BANF) is an Oklahoma-based financial services holding company in the commercial banking industry. According to the company’s public disclosures, it conducts operating activities primarily through its subsidiary banks and related financial services units. BancFirst Corporation is classified in the finance and insurance sector and focuses on traditional banking services supported by specialty financial products.

The company’s main operating subsidiary is BancFirst, an Oklahoma state‑chartered bank. BancFirst operates more than one hundred banking locations serving dozens of communities across Oklahoma, as described in the company’s earnings releases. In addition, BancFirst Corporation owns Pegasus Bank, a Texas state‑chartered bank with banking locations in the Dallas Metroplex area, and Worthington Bank, a Texas state‑chartered bank with locations in the Fort Worth Metroplex area, Arlington, and Denton, Texas. Together, these banks form the core of BancFirst Corporation’s regional community banking footprint.

Business model and banking services

BancFirst Corporation’s business is centered on providing traditional banking products through its metropolitan and community banks, Pegasus Bank, and Worthington Bank. As summarized in third‑party descriptions and consistent with the company’s financial reporting, these banks offer commercial and retail lending and a full line of deposit accounts. This includes lending to business and consumer customers and accepting various types of deposits, which generate interest income and fund the loan portfolio.

Beyond core banking, BancFirst Corporation also reports activity in “other financial services” business units. These are described as specialty product units that include guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking, and insurance. The company also owns 100% of BancFirst Insurance Services, which is identified as an independent insurance agency. These activities contribute to noninterest income categories such as insurance commissions, trust revenue, cash management, and other fee‑based income reported in the company’s earnings releases.

Geographic focus and community banking footprint

Public earnings releases describe BancFirst Corporation as an Oklahoma‑based financial services holding company. Its principal subsidiary BancFirst is headquartered in Oklahoma City and has over one hundred banking locations serving 59 communities across Oklahoma. Pegasus Bank operates three banking locations in the Dallas Metroplex area, while Worthington Bank operates three locations in the Fort Worth Metroplex area plus locations in Arlington and Denton, Texas. Through these subsidiaries, BancFirst Corporation focuses on serving customers in Oklahoma and selected markets in Texas.

The company’s disclosures also highlight its use of off‑balance sheet sweep accounts and cash management services. Sweep accounts and related treasury and cash management services contribute to noninterest income categories such as sweep fees and cash management fees, which are regularly reported in quarterly and annual financial summaries.

Revenue drivers and financial reporting categories

BancFirst Corporation’s earnings releases and SEC filings describe two primary sources of revenue: net interest income and noninterest income.

• Net interest income is driven mainly by loan volume and the general growth of earning assets. Company releases frequently attribute changes in net interest income to higher loan volume and changes in the mix of interest‑bearing and noninterest‑bearing deposits.
• Noninterest income includes trust revenue, service charges on deposits, insurance commissions, cash management income, securities transactions, sales of loans, and other fee‑based income. The company’s reports often note changes in these categories, such as increases in trust revenue, treasury income, sweep fees, and insurance commissions.

On the expense side, BancFirst Corporation reports noninterest expense categories including salaries and employee benefits, occupancy expense, depreciation, amortization of intangible assets, data processing services, net expense from other real estate owned, marketing and business promotion, deposit insurance, and other expenses. These categories are detailed in the company’s quarterly and annual summary financial information.

Capital, asset quality, and regulatory metrics

The company’s financial summaries emphasize asset quality and capital metrics. Disclosures regularly present data on nonaccrual loans, past due loans, other real estate owned, allowance for credit losses, and ratios such as nonaccrual loans to total loans, allowance to total loans, allowance to nonaccrual loans, and net charge‑offs to average loans. These measures provide insight into the credit performance of the loan portfolio.

BancFirst Corporation also reports capital strength through stockholders’ equity, book value per common share, and tangible book value per common share. Tangible book value per common share is described as a non‑GAAP financial measure calculated as stockholders’ equity less goodwill and intangible assets, net, divided by common shares outstanding. The company states that this measure is used to analyze and evaluate its financial condition and capital strength.

Recent corporate developments and acquisitions

BancFirst Corporation periodically reports material events on Form 8‑K. In a Form 8‑K dated November 17, 2025, the company disclosed that it acquired American Bank of Oklahoma (ABOK), a privately held community bank headquartered in Collinsville, Oklahoma. According to that filing, American Bank of Oklahoma has banking locations in Collinsville, Disney, Ramona, Skiatook, and Muskogee, Oklahoma, and will continue to operate under its present name until it is merged into BancFirst, which is expected to occur in a later period as described in the filing.

Earlier, in a May 21, 2025 news release, BancFirst Corporation announced that it had entered into an agreement to acquire American Bank of Oklahoma, describing the transaction as aligned with its commitment to serving communities in its home state. The company’s filings also note regular dividend declarations on its common stock and interest payments on junior subordinated debentures related to trust preferred securities issued by its statutory trust subsidiary, BFC Capital Trust II.

Sustainability and stakeholder reporting

In a Form 8‑K dated November 13, 2025, BancFirst Corporation reported that it had issued a Sustainability Report as of November 2025. The filing states that this report provides a comprehensive review of how the company is addressing sustainability, including environmental, social, and governance (ESG) matters and other topics important to its business, stakeholders, and the communities it serves.

Stock information

BancFirst Corporation’s common stock trades on the NASDAQ Global Select Market under the ticker symbol BANF, as indicated in multiple news releases and SEC filings. The company also reports periodic cash dividends per share as part of its regular financial disclosures.

FAQs about BancFirst Corporation (BANF)

• What does BancFirst Corporation do?
  BancFirst Corporation is a financial services holding company based in Oklahoma. Through its subsidiary banks and financial services units, it offers traditional commercial and retail lending, deposit accounts, and specialty financial services such as guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking, and insurance.
• Where does BancFirst Corporation operate?
  According to company disclosures, BancFirst Corporation operates primarily through BancFirst in Oklahoma, which has over one hundred banking locations serving 59 communities across the state. It also operates Pegasus Bank in the Dallas Metroplex area and Worthington Bank in the Fort Worth Metroplex area, Arlington, and Denton, Texas.
• How does BancFirst Corporation generate revenue?
  The company’s earnings releases show that revenue comes mainly from net interest income on loans and other earning assets, and from noninterest income such as trust revenue, service charges on deposits, insurance commissions, cash management fees, securities transactions, and income from sales of loans.
• What types of specialty financial services does BancFirst Corporation offer?
  In addition to traditional banking, BancFirst Corporation’s specialty product units include guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking, and insurance. It also owns BancFirst Insurance Services, an independent insurance agency.
• What is notable about BancFirst Corporation’s asset quality?
  The company’s financial summaries regularly report nonaccrual loans, past due loans, other real estate owned, and related ratios. These disclosures indicate that asset quality and the allowance for credit losses are key metrics monitored by management and presented to investors.
• What is tangible book value per common share for BancFirst Corporation?
  Tangible book value per common share is defined in the company’s filings as stockholders’ equity less goodwill and intangible assets, net, divided by common shares outstanding. BancFirst Corporation presents this non‑GAAP measure as a metric used to analyze its financial condition and capital strength.
• Has BancFirst Corporation completed any recent acquisitions?
  Yes. In a Form 8‑K dated November 17, 2025, BancFirst Corporation reported that it acquired American Bank of Oklahoma, a community bank headquartered in Collinsville, Oklahoma, with multiple locations in northeastern Oklahoma. The filing states that American Bank of Oklahoma will continue to operate under its present name until it is merged into BancFirst.
• Does BancFirst Corporation pay dividends?
  Yes. Multiple Form 8‑K filings describe the declaration of quarterly cash dividends on BancFirst Corporation’s common stock. These filings also describe interest payments on junior subordinated debentures related to trust preferred securities issued by BFC Capital Trust II.
• How is BancFirst Corporation addressing sustainability and ESG topics?
  In November 2025, BancFirst Corporation filed an 8‑K stating that it had issued a Sustainability Report. According to the filing, this report reviews how the company is addressing sustainability, including ESG and other matters important to its business, stakeholders, and communities.
• On which exchange is BancFirst Corporation’s stock listed and what is its ticker symbol?
  BancFirst Corporation’s common stock is listed on the NASDAQ Global Select Market under the ticker symbol BANF, as referenced in the company’s news releases and SEC filings.