BancFirst Corporation

$ 111.31 0.58 %

BancFirst Corporation functions as the parent bank holding company for BancFirst, delivering a wide spectrum of commercial banking services to both retail customers and small to mid-sized businesses. Its operations are organized into key divisions: Metropolitan Banks, Community Banks, Pegasus Bank, and a segment for Other Financial Services. The institution presents a comprehensive selection of deposit options, such as checking, negotiable order of withdrawal (NOW) accounts, savings, money market, sweep, and club accounts, in addition to individual retirement accounts (IRAs) and certificates of deposit (CDs). It also provides convenient features like overdraft protection and automatic drafting services. Regarding lending, BancFirst offers various commercial and financial loans tailored to support working capital, the acquisition or expansion of facilities, equipment purchases, and other business necessities. Its lending portfolio includes specialized areas like private banking, financing for the energy sector, commercial and residential real estate, and general commercial and industrial (C&I) loans. Moreover, it extends consumer loans to facilitate purchases of personal goods such as vehicles, boats, household items, as well as funding for vacations and educational pursuits. Beyond its core banking activities, the corporation engages in investment management and the administration of trusts for individuals, corporate entities, and employee benefit plans. It also acts as a bond trustee and paying agent for numerous municipal and governmental bodies throughout Oklahoma. Additional services encompass correspondent banking, including item processing and research, real estate investment ventures, and insurance agency operations. Rounding out its offerings are funds transfer, collection services, safe deposit boxes, and cash management solutions. BancFirst primarily caters to clients in Oklahoma's non-metropolitan trade centers and urban areas within its metropolitan statistical regions. The company maintains an extensive network of 108 banking branches across Oklahoma, supplemented by three locations in Dallas, Texas. Established in 1984, BancFirst Corporation was initially known as United Community Corporation before changing its name in November 1988, and its corporate headquarters are situated in Oklahoma City, Oklahoma.

CEO: David R. Harlow - https://www.bancfirst.bank

Price objectif

$125 12.30 %

Recommandation

Hold

DCF

$ 49.64

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BANF vs S&P500

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Quick ratio

0.47

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

15.27

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

7.29

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

13.62 %

reflects reasonable profitability, showing good use of equity.

ROIC

11.21 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.15

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.05

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

7.04

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

25.60 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
-0.10 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.36 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.01 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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