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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 65.40
BANF's Cash to Debt is ranked higher than
67% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. BANF: 65.40 )
Ranked among companies with meaningful Cash to Debt only.
BANF' s 10-Year Cash to Debt Range
Min: 1.16  Med: 2.78 Max: 72.5
Current: 65.4
1.16
72.5
Equity to Asset 0.10
BANF's Equity to Asset is ranked higher than
52% of the 1323 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 7.12
BANF's Interest Coverage is ranked higher than
87% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. BANF: 7.12 )
Ranked among companies with meaningful Interest Coverage only.
BANF' s 10-Year Interest Coverage Range
Min: 0.5  Med: 1.12 Max: 7.12
Current: 7.12
0.5
7.12
F-Score: 5
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 (%) 33.66
BANF's Operating margin (%) is ranked higher than
60% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. BANF: 33.66 )
Ranked among companies with meaningful Operating margin (%) only.
BANF' s 10-Year Operating margin (%) Range
Min: 24.56  Med: 31.52 Max: 37.49
Current: 33.66
24.56
37.49
Net-margin (%) 23.13
BANF's Net-margin (%) is ranked higher than
56% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. BANF: 23.13 )
Ranked among companies with meaningful Net-margin (%) only.
BANF' s 10-Year Net-margin (%) Range
Min: 16.45  Med: 20.67 Max: 24.42
Current: 23.13
16.45
24.42
ROE (%) 11.00
BANF's ROE (%) is ranked higher than
70% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. BANF: 11.00 )
Ranked among companies with meaningful ROE (%) only.
BANF' s 10-Year ROE (%) Range
Min: 7.72  Med: 13.06 Max: 20.15
Current: 11
7.72
20.15
ROA (%) 1.01
BANF's ROA (%) is ranked higher than
63% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. BANF: 1.01 )
Ranked among companies with meaningful ROA (%) only.
BANF' s 10-Year ROA (%) Range
Min: 0.79  Med: 1.07 Max: 1.86
Current: 1.01
0.79
1.86
ROC (Joel Greenblatt) (%) 78.28
BANF's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. BANF: 78.28 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BANF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 53.14  Med: 75.89 Max: 198.81
Current: 78.28
53.14
198.81
Revenue Growth (3Y)(%) 5.40
BANF's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. BANF: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BANF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.4  Med: 7.70 Max: 12.9
Current: 5.4
-0.4
12.9
EBITDA Growth (3Y)(%) 7.90
BANF's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BANF: 7.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BANF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.9  Med: 8.60 Max: 16.7
Current: 7.9
-11.9
16.7
EPS Growth (3Y)(%) 11.30
BANF's EPS Growth (3Y)(%) is ranked higher than
55% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. BANF: 11.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BANF' s 10-Year EPS Growth (3Y)(%) Range
Min: -12  Med: 9.70 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

Q2 2014

BANF Guru Trades in Q2 2014

Jim Simons 46,100 sh (-9.74%)
» More
Q3 2014

BANF Guru Trades in Q3 2014

Jim Simons 45,600 sh (-1.08%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 15.31
BANF's P/E(ttm) is ranked lower than
61% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BANF: 15.31 )
Ranked among companies with meaningful P/E(ttm) only.
BANF' s 10-Year P/E(ttm) Range
Min: 11.23  Med: 15.11 Max: 24.02
Current: 15.31
11.23
24.02
Forward P/E 15.55
BANF's Forward P/E is ranked lower than
81% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. BANF: 15.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.70
BANF's PE(NRI) is ranked lower than
61% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BANF: 15.70 )
Ranked among companies with meaningful PE(NRI) only.
BANF' s 10-Year PE(NRI) Range
Min: 11.22  Med: 15.09 Max: 24.05
Current: 15.7
11.22
24.05
P/B 1.58
BANF's P/B is ranked lower than
80% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANF: 1.58 )
Ranked among companies with meaningful P/B only.
BANF' s 10-Year P/B Range
Min: 1.01  Med: 1.56 Max: 2.81
Current: 1.58
1.01
2.81
P/S 3.56
BANF's P/S is ranked lower than
64% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BANF: 3.56 )
Ranked among companies with meaningful P/S only.
BANF' s 10-Year P/S Range
Min: 2.16  Med: 3.24 Max: 5.24
Current: 3.56
2.16
5.24
PFCF 14.96
BANF's PFCF is ranked lower than
65% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. BANF: 14.96 )
Ranked among companies with meaningful PFCF only.
BANF' s 10-Year PFCF Range
Min: 2.5  Med: 13.79 Max: 63.93
Current: 14.96
2.5
63.93
POCF 12.63
BANF's POCF is ranked lower than
65% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. BANF: 12.63 )
Ranked among companies with meaningful POCF only.
BANF' s 10-Year POCF Range
Min: 2.34  Med: 11.23 Max: 813.8
Current: 12.63
2.34
813.8
PEG 1.43
BANF's PEG is ranked lower than
60% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. BANF: 1.43 )
Ranked among companies with meaningful PEG only.
BANF' s 10-Year PEG Range
Min: 0.91  Med: 1.43 Max: 19.66
Current: 1.43
0.91
19.66
Shiller P/E 19.01
BANF's Shiller P/E is ranked lower than
61% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. BANF: 19.01 )
Ranked among companies with meaningful Shiller P/E only.
BANF' s 10-Year Shiller P/E Range
Min: 10.49  Med: 16.29 Max: 24.61
Current: 19.01
10.49
24.61
Days Sales Outstanding 170.16
BANF's Days Sales Outstanding is ranked lower than
85% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. BANF: 170.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
BANF' s 10-Year Days Sales Outstanding Range
Min: 29.13  Med: 48.61 Max: 186.16
Current: 170.16
29.13
186.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.13
BANF's Dividend Yield is ranked lower than
62% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BANF: 2.13 )
Ranked among companies with meaningful Dividend Yield only.
BANF' s 10-Year Dividend Yield Range
Min: 1.12  Med: 2.10 Max: 3.21
Current: 2.13
1.12
3.21
Dividend Payout 0.32
BANF's Dividend Payout is ranked higher than
52% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BANF: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
BANF' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.23 Max: 0.55
Current: 0.32
0.12
0.55
Dividend growth (3y) 7.70
BANF's Dividend growth (3y) is ranked higher than
52% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. BANF: 7.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
BANF' s 10-Year Dividend growth (3y) Range
Min: 7.4  Med: 12.50 Max: 19.9
Current: 7.7
7.4
19.9
Yield on cost (5-Year) 3.13
BANF's Yield on cost (5-Year) is ranked higher than
51% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BANF: 3.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BANF' s 10-Year Yield on cost (5-Year) Range
Min: 1.62  Med: 3.04 Max: 4.65
Current: 3.13
1.62
4.65
Share Buyback Rate -0.50
BANF's Share Buyback Rate is ranked higher than
66% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BANF: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
BANF' s 10-Year Share Buyback Rate Range
Min: 4.6  Med: 0.90 Max: -14.2
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.74
BANF's Price/Tangible Book is ranked lower than
77% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BANF: 1.74 )
Ranked among companies with meaningful Price/Tangible Book only.
BANF' s 10-Year Price/Tangible Book Range
Min: 1.21  Med: 1.79 Max: 2.76
Current: 1.74
1.21
2.76
Price/Projected FCF 0.84
BANF's Price/Projected FCF is ranked lower than
65% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. BANF: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
BANF' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.76 Max: 1.05
Current: 0.84
0.39
1.05
Price/Median PS Value 1.10
BANF's Price/Median PS Value is ranked lower than
54% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BANF: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
BANF' s 10-Year Price/Median PS Value Range
Min: 0.63  Med: 0.90 Max: 1.33
Current: 1.1
0.63
1.33
Price/Peter Lynch Fair Value 1.97
BANF's Price/Peter Lynch Fair Value is ranked lower than
85% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BANF: 1.97 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BANF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47  Med: 1.20 Max: 3.24
Current: 1.97
0.47
3.24
Price/Graham Number 1.08
BANF's Price/Graham Number is ranked lower than
70% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BANF: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
BANF' s 10-Year Price/Graham Number Range
Min: 0.76  Med: 1.03 Max: 1.45
Current: 1.08
0.76
1.45
Earnings Yield (Greenblatt) (%) -10.88
BANF's Earnings Yield (Greenblatt) (%) is ranked lower than
95% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BANF: -10.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BANF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -11.16  Med: 11.60 Max: 139.9
Current: -10.88
-11.16
139.9
Forward Rate of Return (Yacktman) (%) 15.65
BANF's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BANF: 15.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BANF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.1  Med: 17.50 Max: 28.5
Current: 15.65
0.1
28.5

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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