BANF

The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how BancFirst (NASDAQ:BANF) and the rest of the regional banks stocks fared in Q2. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 93 regional banks stocks we track reported a mixed Q2. As a group, revenues were in line with analysts’ consensus estimates. In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results. Operating as a "super community bank" with a decentralized management approach that emphasizes local responsiveness, BancFirst Corporation (NASDAQ:BANF) operates as a financial holding company providing commercial banking services to retail customers and small to medium-sized businesses primarily in Oklahoma and Texas. BancFirst reported revenues of $186.9 million, up 9.8% year on year. This print exceeded analysts’ expectations by 4.7%. Overall, it was a strong quarter for the company with a solid beat of analysts’ net interest income and EPS estimates. Investor expectations, however, were likely higher than Wall Street’s published projections, leaving some wishing for even better results (analysts’ consensus estimates are those published by big banks and advisory firms, not the investors who make buy and sell decisions). The stock is down 1.8% since reporting and currently trades at $112.82. Is now the time to buy BancFirst? Access our full analysis of the earnings results here, it’s free. Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp (NYSE:OFG) provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands. OFG Bancorp reported revenues of $190.3 million, up 4.5% year on year, outperforming analysts’ expectations by 3.9%. The business had an exceptional quarter with a beat of analysts’ EPS and net interest income estimates. The market seems happy with the results as the stock is up 5.7% since reporting. It currently trades at $52.86. Is now the time to buy OFG Bancorp? Access our full analysis of the earnings results here, it’s free. Originally established in 1941 and now operating with a tech-forward approach that includes its SmartStreet platform for homeowner associations, Banc of California (NYSE:BANC) is a California-based bank holding company that provides banking services to small and middle-market businesses, entrepreneurs, and individuals. Banc of California reported revenues of $273.2 million, flat year on year, falling short of analysts’ expectations by 7.3%. It was a disappointing quarter as it posted a significant miss of analysts’ tangible book value per share and net interest income estimates. As expected, the stock is down 9.8% since the results and currently trades at $19.10. Read our full analysis of Banc of California’s results here. Founded in 1800 and operating as Rhode Island's oldest community bank, Washington Trust Bancorp (NASDAQ:WASH) is a regional bank holding company offering commercial banking, mortgage lending, personal banking, and wealth management services. Washington Trust Bancorp reported revenues of $60.65 million, up 11.3% year on year. This result topped analysts’ expectations by 2.1%. Zooming out, it was a satisfactory quarter as it also produced a beat of analysts’ EPS estimates but net interest income in line with analysts’ estimates. The stock is up 7.3% since reporting and currently trades at $38.98. Read our full, actionable report on Washington Trust Bancorp here, it’s free. Founded in 1991 as a community-focused alternative to big banks in the Chicago area, Wintrust Financial (NASDAQGS:WTFC) operates community banks in the Chicago area and provides specialty finance services including insurance premium financing and wealth management. Wintrust Financial reported revenues of $739.5 million, up 9.9% year on year. This print met analysts’ expectations. Zooming out, it was a slower quarter as it recorded a slight miss of analysts’ net interest income estimates and a narrow beat of analysts’ EPS estimates. The stock is down 2.5% since reporting and currently trades at $159.54. Read our full, actionable report on Wintrust Financial here, it’s free. Over the past year, investors have been forced to repeatedly answer the same question: what is the market’s biggest risk? The answer has changed several times, and each shift has reshaped market leadership. Late in 2025 and early 2026, artificial intelligence became the market’s primary uncertainty. Investors questioned whether AI would erode software pricing power and weaken competitive moats as AI made it easier to replicate once-differentiated products. By the spring, technology took a back seat to geopolitics. The U.S. conflict with Iran briefly became the market’s dominant narrative, raising concerns about oil prices, inflation, and global growth. But as energy markets remained orderly and fears of a prolonged supply disruption faded, investors quickly turned their focus back to fundamentals. Want to invest in winners with rock-solid fundamentals? Check out our Hidden Gem Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. BancFirst (BANF) drew fresh investor attention after reporting second quarter 2026 results, with net income and earnings per share higher than a year earlier and net charge-offs lower for the period. See our latest analysis for BancFirst. BancFirst's latest earnings release has come after a steady period for the stock, with a 1-day share price return of 1.44% and a year to date share price return of 9.5%. The 5 year total shareholder return of 129.94% contrasts with a 1 year total shareholder return that declined 6.33%, which suggests that long term holders have been rewarded even as near term sentiment has cooled. If this kind of steady banking story interests you, it could be a good moment to broaden your watchlist and look at 18 top founder-led companies After BancFirst's solid second quarter, the stock has already put in a respectable run this year. The real question now is whether the bigger upside still lies ahead or if most of the easy gains are behind it. The market is currently valuing BancFirst at a P/E of 15.6x, which sits above both its banking peers and an estimated fair P/E, even though the stock trades at a discount to some valuation models. The P/E ratio compares the share price with earnings per share, so a higher multiple often means investors are willing to pay more today for each dollar of current earnings. For a bank like BancFirst, that usually reflects expectations around future profitability, stability of earnings quality and the perceived resilience of its business model. Here, BancFirst is described as expensive on a P/E basis in several ways. Its P/E of 15.6x is higher than the estimated fair P/E of 11.9x. This suggests the current market pricing is richer than what the fair ratio model indicates. At the same time, Simply Wall St’s DCF work suggests the stock is trading around 35.5% below an estimate of future cash flow value of $180.72, so investors are seeing two very different signals from earnings based and cash flow based approaches. Against the wider US Banks industry, BancFirst's P/E of 15.6x also stands out. It is above the sector average of 12x, and it is higher than the peer group average of 13.1x. This implies the stock is priced at a premium compared with many banking peers. Those reference points, together with the 11.9x fair P/E level, frame a range that the market could potentially move toward if sentiment or earnings expectations shift. Explore the SWS fair ratio for BancFirst Result: Price-to-earnings of 15.6x (OVERVALUED) However, BancFirst's premium P/E and a 1 year total shareholder return that declined 6.33% both leave the stock exposed if sentiment or earnings expectations weaken. Find out about the key risks to this BancFirst narrative. While the 15.6x P/E suggests BancFirst trades at a premium, the SWS DCF model points in the opposite direction. On this view, the stock price of $116.58 sits about 35.5% below an estimated future cash flow value of $180.72, which raises the question of which signal investors should place more weight on. For a closer look at how this cash flow based estimate is built, Look into how the SWS DCF model arrives at its fair value. Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out BancFirst for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 48 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. With mixed signals on BancFirst, it makes sense to check the underlying data yourself and decide how the balance of risks and rewards looks in your view, starting with 3 key rewards and 1 important warning sign If BancFirst has sharpened your focus on quality, do not stop here. The next step is to cast a wider net and spot opportunities early. Target quality at a discount by scanning 48 high quality undervalued stocks that combine solid fundamentals with attractive pricing. Strengthen your income stream by reviewing 9 dividend fortresses that offer higher yields with supporting fundamentals. Protect the downside first by checking 78 resilient stocks with low risk scores built on resilient balance sheets and lower risk scores. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include BANF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

OKLAHOMA CITY, July 23, 2026 /PRNewswire/ -- BancFirst Corporation (NASDAQ GS: BANF) reported net income of $66.7 million, or $1.96 per diluted share, for the second quarter of 2026 compared to net income of $62.3 million, or $1.85 per diluted share, for the second quarter of 2025. The Company's net interest income for the three-months ending June 30, 2026 increased to $133.5 million from $121.3 million for the same period in 2025. Higher loan volume and general growth in earning assets were the primary drivers of the change in net interest income. Net interest margin was 3.84% for the second quarter of 2026 compared to 3.75% for the second quarter of 2025. The Company recorded a provision for credit losses of $4.9 million and $1.4 million for the quarter ended June 30, 2026 and 2025, respectively. Noninterest income for the quarter totaled $53.9 million compared to $48.0 million in the same quarter last year. Trust revenue, service charges on deposits, securities transactions, and treasury income each increased when compared to second quarter of 2025. The Company also recorded gains of $2.9 million related to bank owned life insurance claims during the quarter. The increase in noninterest income was partially offset by a decrease in insurance commissions. Noninterest expense grew to $97.5 million for the quarter ended June 30, 2026 compared to $88.2 million in the same quarter in 2025. The increase in noninterest expense was primarily attributable to the growth in salaries and employee benefits of $5.2 million. The total salaries and employee benefits expenses recorded of $60.3 million is after a favorable adjustment to the funded employee benefit trust of $800,000. Also driving the increase in noninterest expense was net expense from other real estate owned, which increased $1.6 million period to period. At June 30, 2026, the Company's total assets were $15.1 billion, an increase of $243.4 million from December 31, 2025. Loans grew $110.6 million from December 31, 2025, totaling $8.7 billion at June 30, 2026. Deposits totaled $12.8 billion, an increase of $155.9 million from year-end 2025. Sweep accounts totaled $5.0 billion at June 30, 2026, up $100.8 million from December 31, 2025. The Company's stockholders' equity stood at $2.0 billion, an increase of $103.0 million from the end of 2025. Nonaccrual loans represented 0.94% of total loans at June 30, 2026, up from 0.72% at year-end 2025. Nonaccrual loans totaled $81.4 million at the end of the second quarter 2026. The allowance for credit losses to total loans was 1.25% at June 30, 2026 and 1.22% at December 31, 2025. Net charge-offs totaled $2.4 million for the quarter compared to $4.7 million for the second quarter last year. BancFirst Corporation CEO David Harlow commented, "The Company enjoyed a record quarter fueled by an expanding margin and earning asset growth. Noninterest income growth was solid across most major categories and expenses were managed in line with plan. We announced the acquisition of SpiritBank during the quarter, adding the Tulsa MSA communities of Bristow and Sapulpa while expanding our presence in the Tulsa market. Pending regulatory approval, a fourth quarter close and conversion is anticipated. Our economic outlook continues to be guarded, although charge-offs remain at historically low levels. With a $4.9 million provision during the quarter, our allowance for credit losses remains at a healthy level." BancFirst Corporation (the Company) is an Oklahoma based financial services holding company. The Company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank with 109 banking locations serving 62 communities across Oklahoma, Pegasus Bank, a Texas state-chartered bank with three banking locations in the Dallas Metroplex area, and Worthington Bank, a Texas state-chartered bank with three locations in the Fort Worth Metroplex area, one location in Arlington Texas and one location in Denton Texas. More information can be found at www.bancfirst.bank. The Company may make forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 with respect to earnings, credit quality, corporate objectives, interest rates and other financial and business matters. Forward-looking statements include estimates and give management's current expectations or forecasts of future events. The Company cautions readers that these forward-looking statements are subject to numerous assumptions, risks and uncertainties, including economic conditions, the performance of financial markets and interest rates; legislative and regulatory actions and reforms; competition; as well as other factors, all of which change over time. Actual results may differ materially from forward-looking statements. View original content:https://www.prnewswire.com/news-releases/bancfirst-corporation-reports-second-quarter-earnings-302833674.html

BancFirst (BANF) came out with quarterly earnings of $1.96 per share, beating the Zacks Consensus Estimate of $1.79 per share. This compares to earnings of $1.85 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.50%. A quarter ago, it was expected that this Oklahoma financial services holding company would post earnings of $1.77 per share when it actually produced earnings of $1.85, delivering a surprise of +4.52%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. BancFirst, which belongs to the Zacks Banks - Southwest industry, posted revenues of $187.49 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 4.80%. This compares to year-ago revenues of $169.3 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. BancFirst shares have added about 8.8% since the beginning of the year versus the S&P 500's gain of 9.6%. While BancFirst has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for BancFirst was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.86 on $182.4 million in revenues for the coming quarter and $7.38 on $726.7 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 18% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, Banc of California (BANC), is yet to report results for the quarter ended June 2026. The results are expected to be released on July 29. This banking service and lending company is expected to post quarterly earnings of $0.40 per share in its upcoming report, which represents a year-over-year change of +29%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Banc of California's revenues are expected to be $297.02 million, up 8.9% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report BancFirst Corporation (BANF) : Free Stock Analysis Report Banc of California, Inc. (BANC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Since December 2025, BancFirst has been in a holding pattern, posting a small return of 4% while floating around $114.16. Is there a buying opportunity in BancFirst, or does it present a risk to your portfolio? Dive into our full research report to see our analyst team’s opinion, it’s free. We’re cautious about BancFirst. Here are three reasons why BANF doesn’t excite us, plus one stock we’d rather own. 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. 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. 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. 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 our favorite semiconductor picks and shovels play. ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI is taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies. Our AI system flagged Palantir before it ran 1,662%. AppLovin before it ran 753%. Nvidia before it ran 1,178%. Each week it produces 6 new names that pass the same tests. Get Our Top 6 Stocks for Free HERE. Stocks that have made our list include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+354% five-year return). Find your next big winner with StockStory today.

In recent days, BancFirst Corporation reported quarterly revenues that came in about 1% above analyst expectations, with net interest income slightly ahead of forecasts and year-on-year growth of 7.8%. At the same time, options activity has picked up and analyst sentiment has improved, reflected in upward earnings revisions and a favorable Zacks Rank, suggesting investors are actively reassessing the bank’s outlook. We’ll now examine how BancFirst’s earnings beat and upgraded analyst outlook shape the company’s investment narrative for shareholders and prospective investors. Rare earth metals are an input to most high-tech devices, military and defence systems and electric vehicles. The global race is on to secure supply of these critical minerals. Beat the pack to uncover the 28 best rare earth metal stocks of the very few that mine this essential strategic resource. To own BancFirst, you need to be comfortable with a “super community bank” whose story is about steady earnings, measured growth and a consistent dividend, rather than rapid expansion. The latest quarter’s revenue beat and higher net income support that narrative, but the stock’s mild pullback since results hints that expectations were already high, especially given its richer P/E relative to peers. The recent spike in options implied volatility and improved Zacks Rank sharpen the near term focus on earnings quality, credit trends and interest margin resilience; if volatility persists, short term price swings may become a more visible catalyst than underlying fundamentals. That does not necessarily change the core investment case, but it does amplify existing risks around valuation, slower forecast growth and recent insider selling that shareholders need to watch closely. However, one risk some investors may be overlooking could be more structural than cyclical. BancFirst's shares have been on the rise but are still potentially undervalued by 40%. Find out what it's worth. Only one Simply Wall St Community estimate pegs fair value at US$124, yet recent options volatility and a premium P/E highlight how different views on BancFirst’s slower growth and valuation can be, inviting you to test your own assumptions. Explore another fair value estimate on BancFirst - why the stock might be worth just $124.33! Don't just follow the ticker - dig into the data and build a conviction that's truly your own. A great starting point for your BancFirst research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Our free BancFirst research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate BancFirst's overall financial health at a glance. These stocks are moving-our analysis flagged them today. Act fast before the price catches up: The future of work is here. Discover the 34 top robotics and automation stocks leading the charge in AI-driven automation and industrial transformation. Find 53 companies with promising cash flow potential yet trading below their fair value. We've uncovered the 10 dividend fortresses yielding 5%+ that don't just survive market storms, but thrive in them. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include BANF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Find winning stocks in any market cycle. Join 7 million investors using Simply Wall St's investing ideas for FREE. BancFirst (BANF) drew fresh attention after reporting first quarter 2026 results, with net income of US$63 million and basic earnings per share of US$1.88, compared with US$56.11 million and US$1.69 a year earlier. See our latest analysis for BancFirst. At a share price of US$113.53, BancFirst has had a 30 day share price return of 6.29% and a 90 day share price return of 4.66%. The 5 year total shareholder return of 78.91% contrasts with a modest 1 year total shareholder return decline of 2.27%, suggesting longer term momentum has been stronger than the recent pullback. If this earnings update has you looking beyond a single regional bank, it could be a good moment to scan for other financial names with staying power using our 19 top founder-led companies With earnings per share at US$1.88, an intrinsic value estimate that sits below the current US$113.53 share price, and a 39.17% intrinsic discount figure on the table, is there still a buying opportunity here, or is the market already pricing in future growth? BancFirst trades on a P/E of 15.4x, which sits above both the US banks industry average of 11.7x and the peer group average of 13.6x. This points to a richer earnings valuation at the recent $113.53 share price. The P/E multiple compares the current share price to earnings per share and is a quick way to see how much investors are paying for each dollar of profit. For a bank like BancFirst, where earnings quality is flagged as high and profit growth has been consistent over several years, a higher P/E can signal that the market is comfortable paying more for that earnings profile. Even so, the current 15.4x P/E stands materially above both the wider US banks sector and the estimated fair P/E of 10.7x. This suggests the market is pricing BancFirst at a premium that could compress if sentiment cools or if earnings do not keep pace. That gap to the fair ratio marks out a level the valuation could move toward if expectations reset closer to longer term fundamentals. Explore the SWS fair ratio for BancFirst Result: Price-to-earnings of 15.4x (OVERVALUED). However, that premium could come under pressure if BancFirst's relatively modest 3.5% revenue and 0.6% net income growth rates fade further, or if credit conditions turn against regional lenders. Find out about the key risks to this BancFirst narrative. While the 15.4x P/E suggests BancFirst trades at a premium to both industry and peers, the SWS DCF model tells a different story. On that measure, the estimated future cash flow value sits at $186.65 per share versus the current $113.53, which implies the stock trades below that DCF estimate. Which signal matters more for you: the earnings multiple or the cash flow model? Look into how the SWS DCF model arrives at its fair value. Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out BancFirst for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 56 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. The mixed signals on valuation and earnings may leave you with more questions than answers. This is exactly why looking at the underlying data yourself matters. If you want to move quickly and stress test your own view, start by focusing on the company's strengths with 3 key rewards If BancFirst has sharpened your focus, do not stop here; broaden your watchlist with other stock ideas that match the kind of portfolio you want to build. Target potential mispricing by scanning for quality companies trading below their estimated worth with the 56 high quality undervalued stocks. Strengthen your cash flow with companies offering higher income potential by reviewing the 13 dividend fortresses. Dial down portfolio stress and concentrate on stability by filtering for companies in the 72 resilient stocks with low risk scores. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include BANF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

BancFirst (BANF) came out with quarterly earnings of $1.85 per share, beating the Zacks Consensus Estimate of $1.77 per share. This compares to earnings of $1.67 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +4.52%. A quarter ago, it was expected that this Oklahoma financial services holding company would post earnings of $1.78 per share when it actually produced earnings of $1.75, delivering a surprise of -1.69%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. BancFirst, which belongs to the Zacks Banks - Southwest industry, posted revenues of $179 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.58%. This compares to year-ago revenues of $164.84 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. BancFirst shares have added about 6.5% since the beginning of the year versus the S&P 500's gain of 2.6%. While BancFirst has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for BancFirst was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.71 on $175.3 million in revenues for the coming quarter and $7.14 on $707.9 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 22% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. GBank Financial Holdings Inc. (GBFH), another stock in the same industry, has yet to report results for the quarter ended March 2026. This company is expected to post quarterly earnings of $0.50 per share in its upcoming report, which represents a year-over-year change of +61.3%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. GBank Financial Holdings Inc.'s revenues are expected to be $21.6 million, up 24.4% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report BancFirst Corporation (BANF) : Free Stock Analysis Report GBank Financial Holdings Inc. (GBFH) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

OKLAHOMA CITY, April 16, 2026 /PRNewswire/ -- BancFirst Corporation (NASDAQ GS:BANF) reported net income of $63.0 million, or $1.85 per diluted share, for the first quarter of 2026 compared to net income of $56.1 million, or $1.66 per diluted share, for the first quarter of 2025. The Company's net interest income for the three-months ended March 31, 2026 increased to $127.6 million compared to $115.9 million for the same period in 2025. Higher loan volume along with general growth in earning assets were the primary drivers of the change in net interest income. Net interest margin was 3.74% for the first quarter of 2026 compared to 3.70% for the first quarter of 2025. The Company recorded a provision for credit losses of $2.1 million and $1.6 million for the quarter-ended March 31, 2026 and 2025, respectively. Noninterest income for the quarter totaled $51.4 million compared to $49.0 million in the same quarter last year. Trust revenue, services charges on deposits, treasury income, and securities transaction each increased when compared to first quarter of 2025 partially offset by a decrease in insurance commissions. Noninterest expense grew to $96.8 million for the quarter-ended March 31, 2026 compared to $92.2 million in the same quarter in 2025. The increase in noninterest expense was primarily attributable to the growth in salaries and employee benefits of $4.3 million. The total salaries and benefits expenses recorded of $58.9 million for the period ended March 31, 2026 is after a favorable adjustment to the funded employee benefit trust of $1.8 million. Total noninterest expense for the first quarter of 2026 also reflects conversion expenses related to American Bank of Oklahoma. For the first quarter of 2025 the Company recorded a $4.4 million expense related to the disposition of certain equity investments no longer permissible under the Volcker rule, no such equivalent expense was recorded in 2026 At March 31, 2026, the Company's total assets were $15.1 billion, an increase of $277.6 million from December 31, 2025. Loans grew $51.4 million from December 31, 2025, totaling $8.6 billion at March 31, 2026. Deposits totaled $12.9 billion, an increase of $230.7 million from year-end 2025. Sweep accounts totaled $5.1 billion at March 31, 2026, up $160.2 million from December 31, 2025. The Company's total stockholders' equity was $1.9 billion, an increase of $47.8 million from the end of 2025. Nonaccrual loans represented 0.72% of total loans at both March 31, 2026 and year-end 2025; nonaccrual loans totaled $62.2 million at the end of the first quarter 2026. The allowance for credit losses to total loans was 1.23% at March 31, 2026 and 1.22% at December 31, 2025. Net charge-offs were $1.5 million for the quarter compared to $503,000 for the first quarter last year. BancFirst Corporation CEO David Harlow commented, "Strong deposit growth in the quarter, margin expansion, and increases in non-interest income compared to prior year combined to result in a strong quarter for the Company. We also successfully completed the conversion of American Bank of Oklahoma into BancFirst during the quarter. The economy in our region of the country continues to perform well and charge-offs for the quarter were in line with historical levels. Loans were up modestly from year end while credit quality remained solid. With so many variables in play at the macro level of the economy, our longer-term outlook remains a mixed bag and thus we continue to maintain a healthy allowance for credit losses as a percentage of loans." BancFirst Corporation (the Company) is an Oklahoma based financial services holding company. The Company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank with 109 banking locations serving 62 communities across Oklahoma, Pegasus Bank, a Texas state-chartered bank with three banking locations in the Dallas Metroplex area, and Worthington Bank, a Texas state-chartered bank with three locations in the Fort Worth Metroplex area, one location in Arlington Texas and one location in Denton Texas. More information can be found at www.bancfirst.bank. The Company may make forward-looking statements within the meaning of Section 27A of the securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 with respect to earnings, credit quality, corporate objectives, interest rates and other financial and business matters. Forward-looking statements include estimates and give management's current expectations or forecasts of future events. The Company cautions readers that these forward-looking statements are subject to numerous assumptions, risks and uncertainties, including economic conditions, the performance of financial markets and interest rates; legislative and regulatory actions and reforms; competition; as well as other factors, all of which change over time. Actual results may differ materially from forward-looking statements. View original content:https://www.prnewswire.com/news-releases/bancfirst-corporation-reports-first-quarter-earnings-302745243.html