BancFirst
Oklahoma-centered community banking with North Texas banks and trust, treasury, and insurance services.
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Profile
Provides retail and commercial banking across Oklahoma and North Texas through BancFirst, Pegasus Bank, and Worthington Bank, earning primarily from lending funded by customer deposits. A decentralized community-bank model pairs local credit and pricing decisions with shared scale, while trust, treasury, and insurance services add fees.
Provides retail and commercial banking through BancFirst across Oklahoma, with Pegasus Bank and Worthington Bank extending the franchise into North Texas. Offerings include deposits, commercial and consumer lending, mortgages, treasury management, cards, and payments. Trust and investment management and an independent insurance agency add fee income.
Runs BancFirst as a decentralized super community bank: local market presidents make credit, pricing, funding, and service decisions within group parameters, while the shared platform supplies broader products, lending capacity, and operating scale. Pegasus and Worthington retain separate Texas charters.
Earnings depend mainly on the spread between returns on loans and securities and the cost of deposits and borrowings, alongside credit quality and deposit relationships. The holding company and its banks operate under Federal Reserve, Oklahoma, and Texas banking supervision.
Company facts
Categories
Key statistics
Year to date +3.8% · Average volume (30d) 122.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| Jun 12, 2026 | DA Davidson | Reiterate | Neutral | $125 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 24, 2026Q2 FY26 | $1.80 | $1.96 | +8.9% | $178.5M | $187.5M | +5.0% | −0.53% |
| Jul 23, 2026Q2 FY26 | $1.80 | $1.96 | +8.9% | $178.5M | — | — | +1.44% |
| Jul 22, 2026Q2 FY26 | $1.80 | $1.96 | +8.9% | $178.5M | $187.5M | +5.0% | −0.38% |
| Apr 16, 2026Q1 FY26 | $1.77 | $1.85 | +4.5% | $177.2M | $179.0M | +1.0% | +4.52% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $231.4M | $236.5M | $175.5M | $181.0M | $241.6M | $182.9M | |
| Gross profit | $163.3M | $167.9M | $171.3M | $181.0M | $176.9M | $178.0M | |
| Operating income | $71.1M | $79.7M | $79.0M | $73.6M | $83.0M | $85.1M | |
| Net income | $56.1M | $62.3M | $62.7M | $59.5M | $63.0M | $66.7M | |
| Diluted EPS | $1.67 | $1.85 | $1.85 | $1.75 | $1.85 | $1.96 | |
| Gross margin | 70.6% | 71.0% | 97.6% | 100.0% | 73.2% | 97.3% | |
| Operating margin | 30.7% | 33.7% | 45.0% | 40.7% | 34.4% | 46.5% |
Fiscal years (4-quarter sums)FY21 $497.1M · FY22 $603.6M · FY23 $809.3M · FY24 $908.7M · FY25 $824.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $5.52B · Total debt $92.2M · Total assets $15.08B · Shareholders' equity $1.96B
Dividends
Raised for 32 straight years — most recently to $0.49 from $0.46 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 30, 2026 | Jun 30 | Jul 15 | $0.49 | |
| Mar 31, 2026 | Mar 31 | Apr 15 | $0.49 | |
| Dec 31, 2025 | Dec 31 | Jan 15 | $0.49 | |
| Sep 30, 2025 | Sep 30 | Oct 15 | $0.49 | raised from $0.46 |
| Jun 30, 2025 | Jun 30 | Jul 15 | $0.46 | |
| Mar 31, 2025 | Mar 31 | Apr 15 | $0.46 | |
| Dec 31, 2024 | Dec 31 | Jan 15 | $0.46 | |
| Sep 30, 2024 | Sep 30 | Oct 15 | $0.46 | raised from $0.43 |
Ownership
Shares outstanding 33.59M · Float 23.24M · 69.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BF Bank Partners LP · 10 percent owner | 4.04M | 12.03% | Form 4 | Feb 3, 2026 |
| BlackRock, Inc. | 3.20M | 9.54% | 13F | Aug 7, 2026 |
| Kayne Anderson Rudnick Investment Management LLC | 2.39M | 7.12% | 13F | Aug 13, 2026 |
| State Street Corp | 1.46M | 4.35% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 1.44M | 4.28% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | David E. Rainbolt | director, 10 percent owner: | −8,506 | $115.00 |
| Aug 5, 2026 | David E. Rainbolt | director, 10 percent owner: | −2,000 | $115.03 |
| Aug 6, 2026 | David E. Rainbolt | director, 10 percent owner: | −3,000 | $115.00 |
| Aug 3, 2026 | David E. Rainbolt | director, 10 percent owner: | −11,497 | $115.09 |
| Aug 4, 2026 | David E. Rainbolt | director, 10 percent owner: | −17,830 | $115.06 |
Peers
- BOK Financial
Larger Oklahoma-rooted rival across banking, wealth, and payments
- Prosperity Bancshares
Texas-Oklahoma community-bank rival with broad branch scale
- International Bancshares
Texas-Oklahoma bank competitor in retail and commercial services
- Texas Capital
Dallas-based commercial-bank rival in major Texas metros
- Cullen/Frost Bankers
Texas relationship-bank rival with commercial, wealth, and insurance depth
- First Financial Bankshares
Texas community-bank peer across deposits, lending, and trust
- Simmons First National
Mid-South regional bank overlapping in Oklahoma and Texas
- Bank7
Oklahoma-based public community-bank rival in local lending
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BancFirst | $110.55 | +0.02% | $3.71B | 14.9 | 14.1 | 4.8 | +10.7% |
| BOK Financial | $135.14 | −1.69% | $8.35B | 12.9 | 13.3 | 2.5 | +4.8% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| International Bancshares | $70.93 | +0.01% | $4.41B | 10.7 | 10.9 | 4.1 | +1.0% |
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| First Financial Bankshares | $33.39 | +0.03% | $4.78B | 17.9 | 15.8 | 5.5 | +10.3% |
| Simmons First National | $22.69 | +0.02% | $3.29B | — | 10.7 | 5.8 | +69,452.9% |
| Bank7 | $52.21 | +0.02% | $497.0M | 11.9 | 12.2 | 3.7 | −6.3% |
| Median | 12.9 | 12.6 | 4.0 | +9.3% |