Since December 2025, BancFirst has been in a holding pattern, posting a small return of 4% while floating around $114.16.
Is now the time to buy BancFirst, or should you be careful about including it in your portfolio? Get the full breakdown from our expert analysts, it’s free.
Why Is BancFirst Not Exciting?
We’re cautious about BancFirst. Here are three reasons why BANF doesn’t excite us, plus one stock we’d rather own.
1. Long-Term Revenue Growth Disappoints
From lending activities to service fees, most banks build their revenue model around two income sources. Interest rate spreads between loans and deposits create the first stream, with the second coming from charges on everything from basic bank accounts to complex investment banking transactions.
Unfortunately, BancFirst’s 9.2% annualized revenue growth over the last five years was mediocre. This was below our standard for the banking sector.
2. Efficiency Ratio Expected to Falter
Topline growth alone doesn’t tell the complete story — the profitability of that growth shapes actual earnings impact. Banks track this dynamic through efficiency ratios, which compare non-interest expenses such as personnel, rent, IT, and marketing costs to total revenue streams.
Markets understand that a bank’s expense base depends on its revenue mix and what mostly drives share price performance is the change in this ratio, rather than its absolute value. It’s somewhat counterintuitive, but a lower efficiency ratio is better.
For the next 12 months, Wall Street expects BancFirst to become less profitable as it anticipates an efficiency ratio of 54.8% compared to 52.9% over the past year.
3. Recent EPS Growth Below Our Standards
While long-term earnings trends give us the big picture, we also track EPS over a shorter period because it can provide insight into an emerging theme or development for the business.
BancFirst’s unimpressive 9.2% annual EPS growth over the last two years aligns with its revenue trend. This tells us it maintained its per-share profitability as it expanded.
Final Judgment
BancFirst isn’t a terrible business, but it doesn’t pass our bar. That said, the stock currently trades at 1.8× forward P/B (or $114.16 per share). Beauty is in the eye of the beholder, but our analysis shows the upside isn’t great compared to the potential downside. We’re pretty confident there are more exciting stocks to buy at the moment. Let us point you toward a fast-growing restaurant franchise with an A+ ranch dressing sauce.
Stocks We Would Buy Instead of BancFirst
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