BancFirst Corporation (BANF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BancFirst Corporation stock $64.30, price $115, that is 44.2% below the price, quality 55 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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BancFirst Corporation
BANF · USOur calculation puts a fair price 44% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $49.08 – $133.48 · fair‑value band $52.71 – $93.23 · the $115.20 price screens above the $64.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
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 in the United States.
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It operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments.
The company offers checking, negotiable order of withdrawal, savings, money market, health savings, coverdell education, individual retirement, and sweep accounts, as well as certificates of deposit, overdraft protection, and auto draft services.
It also provides commercial real estate owner occupied and non-owner occupied, construction and development, construction residential real estate, residential real estate first lien, agricultural, commercial and consumer non-real estate, and oil and gas loans; lending activities, such as private banking, commercial and residential real estate, commercial and industrial, and energy loans; automobiles, home equity loans, and other personal loans; and securities investment products.
In addition, the company offers investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units.
Further, the company provides commercial and personal insurance products; and depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma.
The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.
Stock analysis
BancFirst Corporation (BANF) currently trades at $115.20, while our model-based Fair Value estimate is $64.30, 44% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $80.88 per share, and 0 of the 6 models we run sit above the $115.20 price.
Bear case: the Asset-Based group reads lowest at $32.88, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $52.71 (bear) to $93.23 (bull), the price of $115.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BancFirst Corporation reported revenue of $824M in FY2025 versus $497M in FY2021, a compound +13.5%/yr. Reported net income was $241M in FY2025, compounding +9.5%/yr from FY2021.
Key figures
Market cap $3.9B Mid · P/E ratio 15.3 · P/S ratio 5.40 · EPS (TTM) $7.53 · Dividend yield 1.7% · Net margin 35.3% · Return on equity 13.7% · Return on assets (EBIT) 2.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 13% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −44%, BANF screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $19.4M and none bought.
- SaleDavid E RainboltDirector, 10% owner12× since Apr 23, 2026: 225,000 shares, avg. $115.94$26.1MAug 13, 2026
- SaleRandy ForakerExecutive Vice President3,000 shares at $119.91$359,730Feb 10, 2026
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BANF screens overvalued: fair value 44% below the price. Compare with China Merchants Bank Co →
Earlier news
- BancFirst (BANF) Stock Climbs As Q3 Earnings Face Valuation Doubts
- BancFirst GAAP EPS of $1.97, revenue of $187.3M
- BancFirst (BANF) Beats Q3 Earnings and Revenue Estimates
- BancFirst (BANF) Reports Q3 Earnings: What Key Metrics Have to Say
Compare BancFirst Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BANF |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BANF |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BANF |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BANF |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BANF |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BANF |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BANF |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BANF |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BANF |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BANF |
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Key figures of BancFirst Corporation
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