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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
BANF's Cash to Debt is ranked higher than
100% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BANF: No Debt )
Ranked among companies with meaningful Cash to Debt only.
BANF' s Cash to Debt Range Over the Past 10 Years
Min: 1.16  Med: 2.78 Max: 65.4
Current: No Debt
1.16
65.4
Equity to Asset 0.10
BANF's Equity to Asset is ranked higher than
53% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BANF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
BANF' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 8.30
BANF's Interest Coverage is ranked higher than
89% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. BANF: 8.30 )
Ranked among companies with meaningful Interest Coverage only.
BANF' s Interest Coverage Range Over the Past 10 Years
Min: 0.99  Med: 1.96 Max: 7.12
Current: 8.3
0.99
7.12
F-Score: 4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 34.36
BANF's Operating margin (%) is ranked higher than
59% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. BANF: 34.36 )
Ranked among companies with meaningful Operating margin (%) only.
BANF' s Operating margin (%) Range Over the Past 10 Years
Min: 24.56  Med: 31.82 Max: 37.49
Current: 34.36
24.56
37.49
Net-margin (%) 22.46
BANF's Net-margin (%) is ranked higher than
50% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. BANF: 22.46 )
Ranked among companies with meaningful Net-margin (%) only.
BANF' s Net-margin (%) Range Over the Past 10 Years
Min: 16.45  Med: 21.10 Max: 24.42
Current: 22.46
16.45
24.42
ROE (%) 10.45
BANF's ROE (%) is ranked higher than
68% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. BANF: 10.45 )
Ranked among companies with meaningful ROE (%) only.
BANF' s ROE (%) Range Over the Past 10 Years
Min: 7.72  Med: 10.66 Max: 15.17
Current: 10.45
7.72
15.17
ROA (%) 1.01
BANF's ROA (%) is ranked higher than
63% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BANF: 1.01 )
Ranked among companies with meaningful ROA (%) only.
BANF' s ROA (%) Range Over the Past 10 Years
Min: 0.79  Med: 0.96 Max: 1.49
Current: 1.01
0.79
1.49
Revenue Growth (3Y)(%) 5.40
BANF's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BANF: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BANF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.4  Med: 7.60 Max: 12.9
Current: 5.4
-0.4
12.9
EBITDA Growth (3Y)(%) 7.90
BANF's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BANF: 7.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BANF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.9  Med: 8.75 Max: 16.7
Current: 7.9
-11.9
16.7
EPS Growth (3Y)(%) 11.30
BANF's EPS Growth (3Y)(%) is ranked higher than
59% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BANF: 11.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BANF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12  Med: 10.50 Max: 17.1
Current: 11.3
-12
17.1
» BANF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

BANF Guru Trades in Q4 2014

Jim Simons 51,700 sh (+13.38%)
» More
Q1 2015

BANF Guru Trades in Q1 2015

Jim Simons 55,700 sh (+7.74%)
» More
Q2 2015

BANF Guru Trades in Q2 2015

Jim Simons 60,200 sh (+8.08%)
» More
Q3 2015

BANF Guru Trades in Q3 2015

Jim Simons 62,600 sh (+3.99%)
» More
» Details

Insider Trades

Latest Guru Trades with BANF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.16
BANF's P/E(ttm) is ranked lower than
54% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. BANF: 13.16 )
Ranked among companies with meaningful P/E(ttm) only.
BANF' s P/E(ttm) Range Over the Past 10 Years
Min: 11.23  Med: 14.98 Max: 24.02
Current: 13.16
11.23
24.02
Forward P/E 12.08
BANF's Forward P/E is ranked lower than
66% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. BANF: 12.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.16
BANF's PE(NRI) is ranked lower than
54% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. BANF: 13.16 )
Ranked among companies with meaningful PE(NRI) only.
BANF' s PE(NRI) Range Over the Past 10 Years
Min: 11.22  Med: 14.99 Max: 24.05
Current: 13.16
11.22
24.05
P/B 1.30
BANF's P/B is ranked lower than
74% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. BANF: 1.30 )
Ranked among companies with meaningful P/B only.
BANF' s P/B Range Over the Past 10 Years
Min: 1.01  Med: 1.53 Max: 2.8
Current: 1.3
1.01
2.8
P/S 3.01
BANF's P/S is ranked lower than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. BANF: 3.01 )
Ranked among companies with meaningful P/S only.
BANF' s P/S Range Over the Past 10 Years
Min: 2.16  Med: 3.24 Max: 5.24
Current: 3.01
2.16
5.24
PFCF 13.73
BANF's PFCF is ranked lower than
71% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. BANF: 13.73 )
Ranked among companies with meaningful PFCF only.
BANF' s PFCF Range Over the Past 10 Years
Min: 2.5  Med: 14.21 Max: 63.93
Current: 13.73
2.5
63.93
POCF 11.49
BANF's POCF is ranked lower than
70% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. BANF: 11.49 )
Ranked among companies with meaningful POCF only.
BANF' s POCF Range Over the Past 10 Years
Min: 2.34  Med: 11.49 Max: 813.8
Current: 11.49
2.34
813.8
PEG 1.18
BANF's PEG is ranked lower than
58% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. BANF: 1.18 )
Ranked among companies with meaningful PEG only.
BANF' s PEG Range Over the Past 10 Years
Min: 0.85  Med: 1.51 Max: 216.33
Current: 1.18
0.85
216.33
Shiller P/E 16.08
BANF's Shiller P/E is ranked higher than
50% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. BANF: 16.08 )
Ranked among companies with meaningful Shiller P/E only.
BANF' s Shiller P/E Range Over the Past 10 Years
Min: 11.03  Med: 17.18 Max: 28.12
Current: 16.08
11.03
28.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.53
BANF's Dividend Yield is ranked lower than
59% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BANF: 2.53 )
Ranked among companies with meaningful Dividend Yield only.
BANF' s Dividend Yield Range Over the Past 10 Years
Min: 1.12  Med: 2.16 Max: 3.21
Current: 2.53
1.12
3.21
Dividend Payout 0.33
BANF's Dividend Payout is ranked higher than
52% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. BANF: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
BANF' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.24 Max: 0.55
Current: 0.33
0.13
0.55
Dividend Growth (3y) 7.70
BANF's Dividend Growth (3y) is ranked higher than
59% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. BANF: 7.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BANF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 7.4  Med: 12.20 Max: 19.5
Current: 7.7
7.4
19.5
Forward Dividend Yield 2.66
BANF's Forward Dividend Yield is ranked lower than
62% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. BANF: 2.66 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.67
BANF's Yield on cost (5-Year) is ranked higher than
54% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. BANF: 3.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BANF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.62  Med: 3.13 Max: 4.65
Current: 3.67
1.62
4.65
3-Year Average Share Buyback Ratio -0.50
BANF's 3-Year Average Share Buyback Ratio is ranked higher than
64% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BANF: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BANF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 0.95 Max: 4.6
Current: -0.5
-0.5
4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
BANF's Price/Tangible Book is ranked lower than
66% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. BANF: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
BANF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.21  Med: 1.79 Max: 2.76
Current: 1.3
1.21
2.76
Price/Projected FCF 0.73
BANF's Price/Projected FCF is ranked lower than
62% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. BANF: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
BANF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.77 Max: 1.05
Current: 0.73
0.39
1.05
Price/Median PS Value 0.93
BANF's Price/Median PS Value is ranked higher than
61% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BANF: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
BANF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 0.90 Max: 1.32
Current: 0.93
0.63
1.32
Price/Peter Lynch Fair Value 1.64
BANF's Price/Peter Lynch Fair Value is ranked lower than
81% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BANF: 1.64 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BANF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.47  Med: 1.28 Max: 3.24
Current: 1.64
0.47
3.24
Price/Graham Number 1.00
BANF's Price/Graham Number is ranked lower than
62% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. BANF: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
BANF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.78  Med: 1.07 Max: 1.54
Current: 1
0.78
1.54
Earnings Yield (Greenblatt) (%) -13.07
BANF's Earnings Yield (Greenblatt) (%) is ranked lower than
95% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BANF: -13.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BANF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -13.07  Med: 12.00 Max: 139.9
Current: -13.07
-13.07
139.9
Forward Rate of Return (Yacktman) (%) 17.94
BANF's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BANF: 17.94 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BANF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.6  Med: 16.80 Max: 28.8
Current: 17.94
0.6
28.8

More Statistics

Revenue(Mil) $295
EPS $ 4.17
Beta0.52
Short Percentage of Float1.91%
52-Week Range $51.14 - 69.24
Shares Outstanding(Mil)15.60

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 286 310 329
EPS($) 4.42 4.12 4.49
EPS without NRI($) 4.42 4.12 4.49

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
BancFirst Corp was incorporated as United Community Corporation in July 1984 for the purpose of becoming a bank holding company. The Company conducts all of its operating activities through its wholly-owned subsidiary, BancFirst. The Company currently has 98 banking locations serving 52 communities throughout Oklahoma. It focuses on providing a full range of commercial banking services to retail customers and small to medium-sized businesses in both the non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates as a "super community bank", managing its community banking offices on a decentralized basis, which permits the Company to be responsive to local customer needs. The Bank maintains centralized control functions such as operations support, bookkeeping, accounting, loan review, compliance and internal auditing to ensure effective risk management. The Bank provides centrally certain specialized financial services that require expertise. The Bank also provides a range of retail and commercial banking services, including; commercial, real estate, agricultural and consumer lending; depository and funds transfer services; collections; safe deposit boxes; cash management services; trust services; retail brokerage services; and other services tailored for both individual and corporate customers. Through its Technology and Operations Center, the Bank provides item processing, research and other correspondent banking services to financial institutions and governmental units. The Bank's commercial loan customers are generally small to medium-sized businesses engaged in light manufacturing, local wholesale and retail trade, commercial and residential real estate development and construction, services, agriculture, and the energy industry. The Company operates in four business units; metropolitan banks, community banks, other financial services, and executive operations and support. Metropolitan and community banks offer traditional banking products such as commercial and retail lending, and a full line of deposit accounts. Metropolitan banks consist of banking locations in the metropolitan Oklahoma City and Tulsa areas. Community banks consist of banking locations in communities throughout Oklahoma. Other financial services are specialty product business units including guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking and insurance. The executive, operations and support groups represent executive management, operational support and corporate functions that are not allocated to the other business units. The Company's location competes with other banking institutions, savings and loan associations, brokerage firms, personal loan finance companies and credit unions within their respective market areas. It also competes with interest rates charged on loans, underwriting terms and conditions, interest rates paid on deposits
» More Articles for BANF

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