NASDAQ : BANF
BancFirst Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 110.31 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 3.71B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 565.43M | 554.82M | 467.54M | 336.34M | 316.12M | |
| Interest Income on Investments | 194.82M | 169.31M | 156.40M | 83.48M | 10.90M | |
| Total Interest Income | 760.25M | 724.14M | 623.94M | 419.82M | 327.02M | |
| Interest Paid on Deposits | 265.31M | 272.91M | 195.05M | 41.97M | 8.23M | |
| Interest Paid on Borrowings | 4.46M | 4.36M | 4.43M | 4.18M | 3.13M | |
| Total Interest Expense | 269.77M | 277.26M | 199.48M | 46.15M | 11.36M | |
| Net Interest Income | 524.81M | 490.49M | 446.87M | 424.46M | 373.67M | 315.66M |
| Trust Income | 23.94M | 23.12M | 21.80M | 18.78M | 15.64M | 12.91M |
| Gain (Loss) on Sale of Assets | 955.00K | 955.00K | -12.00K | 1.60M | 448.00K | 2.76M |
| Gain (Loss) on Sale of Investments | 2.70M | 383.00K | 97.00K | -1.83M | -1.83M | 1.05M |
| Other Non-Interest Income | 104.36M | 101.45M | 90.45M | 86.88M | 78.18M | 62.60M |
| Total Non-Interest Income | 210.06M | 200.14M | 184.57M | 185.41M | 183.75M | 170.03M |
| Revenues Before Loan Losses | 734.87M | 690.63M | 631.45M | 609.86M | 557.42M | 485.69M |
| Provision for Loan Losses | 8.37M | 5.67M | 9.00M | 7.46M | 10.08M | -8.69M |
| Revenue | 726.49M | 684.96M | 622.45M | 602.41M | 547.34M | 494.38M |
| Salaries and Employee Benefits | 229.06M | 215.49M | 202.12M | 191.24M | 178.23M | 160.27M |
| Occupancy Expenses | 46.00M | 44.27M | 40.33M | 39.68M | 37.93M | 35.41M |
| Federal Deposit Insurance | 6.96M | 6.83M | 6.35M | 5.83M | 4.74M | 3.46M |
| Amortization of Goodwill & Intangibles | 3.76M | 3.45M | 3.55M | 3.53M | 3.45M | 3.12M |
| Selling, General & Administrative | 33.18M | 32.36M | 30.03M | 26.23M | 22.41M | 20.59M |
| Other Non-Interest Expense | 58.33M | 57.04M | 51.74M | 50.01M | 53.26M | 54.05M |
| Total Non-Interest Expense | 399.92M | 379.84M | 347.16M | 332.46M | 309.91M | 285.98M |
| EBT Excluding Unusual Items | 326.57M | 305.12M | 275.28M | 269.95M | 237.43M | 208.40M |
| Pretax Income | 326.57M | 305.12M | 275.28M | 269.95M | 237.43M | 208.40M |
| Income Tax Expense | 70.14M | 64.51M | 58.93M | 57.48M | 44.33M | 40.77M |
| Net Income | 256.43M | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
| Net Income to Common | 256.43M | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M |
| Basic Shares Outstanding | 33.55M | 33.31M | 33.06M | 32.92M | 32.78M | 32.72M |
| Diluted Shares Outstanding | 34.02M | 33.84M | 33.62M | 33.49M | 33.44M | 33.31M |
| EPS (Basic) | 7.64 | 7.22 | 6.55 | 6.45 | 5.89 | 5.12 |
| EPS (Diluted) | 7.53 | 7.11 | 6.44 | 6.34 | 5.77 | 5.03 |
| Dividend Per Share | 1.99 | 1.90 | 1.78 | 1.66 | 1.52 | 1.40 |
| Effective Tax Rate | 21.48% | 21.14% | 21.41% | 21.29% | 18.67% | 19.56% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 4.50B | 3.55B | 2.40B | 3.17B | 2.05B | |
| Investment Securities | 993.75M | 1.28B | 1.61B | 1.58B | 551.09M | |
| Trading Asset Securities | 21.20M | 10.48M | 41.10M | 20.75M | 8.95M | |
| Mortgage-Backed Securities | 16.59M | 13.05M | 14.80M | 16.60M | 29.32M | |
| Total Investments | 1.03B | 1.31B | 1.67B | 1.61B | 589.35M | |
| Gross Loans | 8.53B | 8.03B | 7.66B | 6.94B | 6.17B | |
| Allowance for Loan Losses | -104.30M | -99.50M | -96.80M | -92.73M | -83.94M | |
| Other Adjustments to Gross Loans | -2.00M | |||||
| Net Loans | 8.43B | 7.93B | 7.56B | 6.85B | 6.09B | |
| Property, Plant & Equipment | 352.19M | 303.94M | 284.49M | 283.69M | 274.05M | |
| Goodwill | 182.74M | 182.26M | 182.26M | 182.06M | 149.92M | |
| Other Intangible Assets | 21.36M | 13.16M | 16.70M | 19.98M | 17.57M | |
| Loans Held for Sale | 11.78M | 8.07M | 3.49M | 6.23M | 24.78M | |
| Accrued Interest Receivable | 41.80M | 40.90M | 39.40M | 30.60M | 21.00M | |
| Other Current Assets | 463.00K | 6.60M | ||||
| Long-Term Deferred Tax Assets | 8.22M | 15.82M | 18.91M | 22.75M | 1.17M | |
| Other Real Estate Owned & Foreclosed | 49.17M | 33.66M | 34.19M | 36.94M | 39.55M | |
| Other Long-Term Assets | 215.46M | 167.89M | 166.18M | 163.57M | 151.90M | |
| Total Assets | 14.84B | 13.55B | 12.37B | 12.39B | 9.41B | |
| Interest Bearing Deposits | 8.07B | 7.24B | 6.42B | 5.80B | 4.17B | |
| Institutional Deposits | 704.08M | 566.74M | 299.02M | 224.52M | 150.39M | |
| Non-Interest Bearing Deposits | 3.90B | 3.91B | 3.98B | 4.94B | 3.78B | |
| Total Deposits | 12.67B | 11.72B | 10.70B | 10.97B | 8.09B | |
| Short-Term Borrowings | 29.78M | 9.11M | 42.53M | 19.98M | 8.24M | |
| Current Portion of Leases | 3.21M | |||||
| Accrued Interest Payable | 144.81M | 111.32M | 88.10M | 51.37M | 42.84M | |
| Other Current Liabilities | 7.40M | 15.50M | ||||
| Long-Term Debt | 98.21M | 86.16M | 86.10M | 86.04M | 85.99M | |
| Long-Term Leases | 30.96M | 8.00M | 5.80M | 5.40M | 4.90M | |
| Total Liabilities | 12.98B | 11.93B | 10.94B | 11.14B | 8.23B | |
| Common Stock | 33.54M | 33.22M | 32.93M | 32.88M | 32.60M | |
| Additional Paid-In Capital | 217.84M | 187.06M | 174.69M | 169.23M | 159.91M | |
| Retained Earnings | 1.61B | 1.43B | 1.28B | 1.12B | 977.07M | |
| Comprehensive Income & Other | -8.27M | -32.86M | -50.04M | -71.56M | 2.15M | |
| Shareholders' Equity | 1.96B | 1.85B | 1.62B | 1.43B | 1.25B | 1.17B |
| Total Liabilities & Equity | 14.84B | 13.55B | 12.37B | 12.39B | 9.41B | |
| Total Debt | 109.46M | 162.17M | 103.26M | 134.43M | 111.43M | 99.12M |
| Net Cash (Debt) | 4.31B | 4.36B | 3.46B | 2.31B | 3.08B | 1.96B |
| Net Cash Per Share | 126.80 | 128.71 | 102.97 | 68.83 | 92.14 | 58.85 |
| Filing Date Shares Outstanding | 33.62M | 33.55M | 33.23M | 32.94M | 32.89M | 32.63M |
| Total Common Shares Outstanding | 33.62M | 33.54M | 33.22M | 32.93M | 32.88M | 32.60M |
| Book Value Per Share | 58.25 | 55.28 | 48.81 | 43.54 | 38.05 | 35.94 |
| Tangible Book Value | 1.75B | 1.65B | 1.43B | 1.23B | 1.05B | 1.00B |
| Tangible Book Value Per Share | 52.21 | 49.20 | 42.92 | 37.50 | 31.90 | 30.80 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 240.61M | 216.35M | 212.47M | 193.10M | 167.63M | |
| Depreciation & Amortization | 22.54M | 21.68M | 22.19M | 22.05M | 20.04M | |
| Gain (Loss) on Sale of Assets | -965.00K | -1.45M | -2.33M | -4.68M | -3.38M | |
| Gain (Loss) on Sale of Investments | -1.10M | -1.15M | 559.00K | 4.45M | 3.36M | |
| Provision for Credit Losses | 5.67M | 9.00M | 7.46M | 10.08M | -8.69M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -545.00K | -1.91M | 5.35M | 23.09M | 14.63M | |
| Accrued Interest Receivable | 2.00M | -636.00K | -9.88M | -16.91M | 4.21M | |
| Other Operating Activities | 18.52M | 16.14M | -9.98M | -2.16M | 13.83M | |
| Operating Cash Flow | 285.28M | 261.20M | 233.04M | 226.27M | 203.93M | |
| Capital Expenditures | -48.31M | -36.65M | -22.50M | -19.79M | -27.25M | |
| Cash Acquisitions | 13.72M | 8.04M | 121.10M | 12.60M | ||
| Investment in Securities | 342.69M | 366.85M | 15.47M | -1.11B | 44.97M | |
| Divestitures | -13.73M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -287.75M | -387.85M | -719.29M | -521.22M | 404.39M | |
| Other Investing Activities | -4.81M | -13.74M | 48.57M | 12.64M | 1.90M | |
| Investing Cash Flow | 15.54M | -71.39M | -669.71M | -1.52B | 422.88M | |
| Short-Term Debt Issued | 10.01M | 3.05M | 300.00K | |||
| Long-Term Debt Issued | 59.15M | |||||
| Total Debt Issued | 10.01M | 3.05M | 300.00K | 59.15M | ||
| Short-Term Debt Repaid | -3.35M | -1.10M | ||||
| Long-Term Debt Repaid | -14.00M | |||||
| Total Debt Repaid | -14.00M | -3.35M | -1.10M | |||
| Net Debt Issued (Repaid) | -3.99M | -3.35M | 3.05M | 300.00K | 58.05M | |
| Issuance of Common Stock | 4.68M | 9.20M | 2.54M | 7.65M | 2.26M | |
| Repurchase of Common Stock | -1.82M | -11.66M | ||||
| Common Dividends Paid | -62.21M | -57.77M | -53.64M | -48.46M | -45.14M | |
| Net Increase (Decrease) in Deposit Accounts | 611.28M | 1.02B | -284.92M | 2.45B | -191.74M | |
| Other Financing Activities | -5.48M | |||||
| Financing Cash Flow | 549.77M | 966.50M | -334.79M | 2.41B | -193.71M | |
| Net Cash Flow | 850.59M | 1.16B | -771.45M | 1.12B | 433.11M | |
| Free Cash Flow | 236.97M | 224.55M | 210.54M | 206.49M | 176.68M | |
| Free Cash Flow Margin | 34.60% | 36.08% | 34.95% | 37.72% | 35.74% | |
| Free Cash Flow Per Share | 7.00 | 6.68 | 6.29 | 6.17 | 5.30 | |
| Cash Interest Paid | 269.33M | 270.81M | 191.76M | 42.93M | 11.99M | |
| Cash Income Tax Paid | 55.13M | 46.56M | 52.40M | 34.64M | 30.60M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 3.71B | 3.53B | 3.88B | 3.20B | 2.90B | 2.30B |
| Last Close Price | 110.31 | 104.56 | 113.70 | 92.73 | 82.47 | 64.88 |
| PE Ratio | 14.65 | 14.69 | 17.94 | 15.08 | 15.01 | 13.71 |
| PS Ratio | 5.10 | 5.16 | 6.24 | 5.32 | 5.30 | 4.65 |
| PB Ratio | 1.89 | 1.91 | 2.40 | 2.23 | 2.32 | 1.96 |
| P/FCF Ratio | 15.12 | 14.91 | 17.29 | 15.22 | 14.04 | 13.01 |
| P/OCF Ratio | 12.83 | 12.39 | 14.86 | 13.75 | 12.81 | 11.27 |
| Debt / Equity Ratio | 0.06 | 0.09 | 0.06 | 0.09 | 0.09 | 0.09 |
| Debt / FCF Ratio | 0.68 | 0.46 | 0.64 | 0.54 | 0.56 | |
| Net Debt / Equity Ratio | -2.20 | -2.35 | -2.13 | -1.61 | -2.46 | -1.67 |
| Net Debt / FCF Ratio | -18.38 | -15.42 | -10.95 | -14.92 | -11.10 | |
| Return on Equity (ROE) | 13.85% | 14.16% | 15.83% | 15.94% | 14.97% | |
| Return on Assets (ROA) | 1.70% | 1.67% | 1.72% | 1.77% | 1.80% | |
| Earnings Yield | 6.83% | 6.81% | 5.57% | 6.63% | 6.66% | 7.29% |
| FCF Yield | 6.61% | 6.71% | 5.78% | 6.57% | 7.12% | 7.69% |
| Dividend Yield | 1.89% | 1.80% | 1.52% | 1.71% | 1.72% | 1.99% |
| Payout Ratio | 27.62% | 25.85% | 26.70% | 25.25% | 25.10% | 26.93% |
| Buyback Yield / Dilution | -0.65% | -0.66% | -0.37% | -0.16% | -0.38% | -0.31% |
| Total Shareholder Return | 1.23% | 1.15% | 1.16% | 1.54% | 1.35% | 1.68% |