Since February 2026, BancFirst has been in a holding pattern, posting a small loss of 2.8% while floating around $114.37. The stock also fell short of the S&P 500’s 13% gain during that period.
Is now the time to buy BancFirst, or should you be careful about including it in your portfolio? Dive into our full research report to see our analyst team’s opinion, it’s free.
Why Is BancFirst Not Exciting?
We’re sitting this one out for now. Here are three reasons why there are better opportunities than BANF, 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 8.9% 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 is certainly important, but the overall profitability of this growth matters for the bottom line. For banks, we look at efficiency ratio, which is non-interest expense (salaries, rent, IT, marketing, excluding interest paid out to depositors) as a percentage of total revenue.
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 54.2% compared to 52.9% over the past year.
3. Projected TBVPS Growth Is Slim
A bank’s tangible book value per share (TBVPS) increases when it generates higher net interest margins and keeps credit losses low, allowing it to compound shareholder value over time.
Over the next 12 months, Consensus estimates call for BancFirst’s TBVPS to grow by 9.6% to $57.24, paltry growth rate.
Final Judgment
BancFirst isn’t a terrible business, but it isn’t one of our picks. With its shares trailing the market in recent months, the stock trades at 1.9× forward P/B (or $114.37 per share). Investors with a higher risk tolerance might like the company, but we don’t really see a big opportunity at the moment. We’re pretty confident there are more exciting stocks to buy at the moment. We’d recommend looking at a top digital advertising platform riding the creator economy.
Stocks We Would Buy Instead of BancFirst
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