BancFirst Corporation

BANF

Banks - Regional · Financial Services

Price

$116.14

-3.90 (-3.25%)

Market Cap

$3.90B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+1.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 33.3M (2021) → 33.9M (2025)

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. It operates through Metropolitan Banks, Community Banks, Pegasus Bank, and Other Financial Services segments. The company offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of de

Winston Score History

Politician Trades

3 trades / 12mo

1 Congressional buy and 2 sells on BANF in the last 12 months.

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Score breakdown

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Quality

Gross Margin

73.2%

Premium pricing power — 73.2% gross margin

Operating Margin

34.4%

Excellent — 34.4% operating margin

ROCE

4.1%

Weak — 4.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-9.6%

Shrinking sales (-9.6% YoY)

EPS YoY

+10.6%

Earnings growing (10.6% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

115%

Turns 115% of profit into real cash

FCF Margin

28.3%

Converts sales into free cash efficiently (28.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.05

Conservative — low debt load (0.05)

Interest Cover

1.03x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

15.7x

Fair value — P/E 15.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

1.72%

Small dividend — 1.72% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+6.5%

Dividend growing modestly (6.5% YoY)

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