BancFirst Corporation (BANF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BancFirst Corporation $65.53, price $107, upside -38.8%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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BancFirst Corporation
BANF · USStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $49.32 – $134.14 · fair‑value band $52.82 – $101.19 · the $106.98 price screens above the $65.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. It operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments.
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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. 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 $106.98, while our model-based Fair Value estimate is $65.53, implying the stock looks roughly 63.3% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $77.29 per share, and 0 of the 6 models we run sit above the $106.98 price.
Bear case: the Dividend Discount group reads lowest at $27.58, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $52.82 (bear) to $101.19 (bull), the price of $106.98 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 57/100 (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 $3.6B · P/E ratio 14.6 · P/S ratio 4.27 · EPS (TTM) $7.31 · Dividend yield 1.8% · Net margin 29.2% · Return on equity 13.9% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −39%, BANF screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 44
Revenue & earnings trend
Growth Forecast
BANF screens 63% overvalued. Compare with DBS Group →
Earlier news
- 3 Reasons BANF is Risky and 1 Stock to Buy Instead
- BANCFIRST AWARDED $400,000 TO SUPPORT AFFORDABLE HOUSING EFFORTS FOR NATIVE AMERICANS IN OKEMAH
- Reflecting On Regional Banks Stocks’ Q2 Earnings: BancFirst (NASDAQ:BANF)
- BancFirst (BANF) Posts Stronger Second Quarter Results, Is The Stock Already Overvalued?
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 · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 77.80 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.65 | HK$64.29 | +24% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹738.60 | ₹418.52 | −43% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of BancFirst Corporation
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