BancFirst (BANF)
Oklahoma-centered community banking with North Texas banks and trust, treasury, and insurance services.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 12, 2026 | DA Davidson | Reiterate | Rating: —Target: — | Target: $125 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $5.52B · Total debt $92.2M · Total assets $15.08B · Shareholders' equity $1.96B
- Revenue
- $182.9M
- Operating income
- $85.1M
- Net income
- $66.7M
HistoryDividendAnnual yield
| Institutions | 51.68% | 17.36M shares | |
|---|---|---|---|
| 277 holders · as of Jun 30, 2026 | |||
| Insiders | 1.13% | 379.1K shares | |
| 16 holders · as of Aug 31, 2026 | |||
| Strategic holders | 26.65% | 8.95M shares | |
| 2 holders · as of Feb 3, 2026 | |||
| Other | 20.54% | 6.90M shares | |
| remainder | |||
33.59M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Main Street Banking Partners LPStrategic10 percent owner | 14.62% | 4.91M | filed Oct 29, 2024 |
BF Bank Partners LPStrategic10 percent owner | 12.03% | 4.04M | filed Feb 3, 2026 |
BlackRock, Inc.Institution | 9.54% | 3.20M | as of Jun 30, 2026 |
Kayne Anderson Rudnick Investment Management LLCInstitution | 7.12% | 2.39M | as of Jun 30, 2026 |
Trust CompanyInstitution | 5.88% | 1.97M | filed Feb 3, 2022 |
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 |
- 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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BancFirst | $109.41 | −0.05% | $3.68B | 14.8 | 14.0 | 4.7 | +10.7% |
| BOK Financial | $132.12 | −0.76% | $8.09B | 12.5 | 12.7 | 2.4 | +4.8% |
| Prosperity Bancshares | $69.33 | −0.83% | $8.40B | 12.1 | 10.3 | 4.7 | +25.9% |
| International Bancshares | $70.18 | +0.02% | $4.36B | 10.6 | 10.8 | 4.1 | +1.0% |
| Texas Capital | $95.09 | +0.10% | $4.13B | 12.5 | 12.4 | 2.1 | +9.1% |
| Cullen/Frost Bankers | $156.83 | −1.20% | $9.87B | 15.0 | 13.8 | 3.7 | +9.4% |
| First Financial Bankshares | $32.71 | −0.08% | $4.69B | 17.5 | 15.5 | 5.4 | +10.3% |
| Simmons First National | $22.72 | +0.29% | $3.29B | — | 10.4 | 5.8 | +69,452.9% |
| Bank7 | $55.01 | +1.98% | $513.5M | 12.3 | 12.9 | 3.8 | −6.3% |
| Median | 12.5 | 12.6 | 3.9 | +9.3% |