Market Price

39.93 

-1.26 -3.1%

as of Sep 22 '20

52 Week Range:

26.00 63.96


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. It operates through Metropolitan Banks, Community Banks, Pegasus Bank, and Other Financial Services segments. The company offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. It also provides commercial, financial, and other loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; construction, farmland, one-to-four family residence, multifamily residential property, and commercial real estate loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, the company engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services. Further, it is involved in real estate investment and insurance agency services; and providing funds transfer, collection, safe deposit box, cash management, retail brokerage, and other services for individual and corporate customers. The company serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. It operates through 108 banking locations in Oklahoma and 3 banking locations in Dallas, Texas. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is based in Oklahoma City, Oklahoma.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 14.07
14.92
15.69
17.04
17.80
19.23
20.71
21.94
23.97
27.14
29.97
growth rate 6.0% 5.2% 8.6% 4.5% 8.0% 7.7% 5.9% 9.3% 13.2% 10.4%
Earnings BIT 48.68
65.65
70.70
79.00
80.84
93.18
103.21
110.04
138.44
growth rate 34.9% 7.7% 11.7% 2.3% 15.3% 10.8% 6.6% 25.8%
Avg.PE 17.70
15.24
12.79
12.61
16.05
15.01
14.07
20.91
20.60
14.53
14.93
growth rate -13.9% -16.1% -1.4% 27.3% -6.5% -6.3% 48.6% -1.5% -29.5% 2.8%
ROA 0.79
0.89
0.86
0.89
0.90
1.01
1.00
1.03
1.21
1.70
1.67
growth rate 12.7% -3.4% 3.5% 1.1% 12.2% -1.0% 3.0% 17.5% 40.5% -1.8%
ROE 7.72
9.51
9.69
10.35
10.09
10.96
10.46
10.34
11.63
14.99
14.14
growth rate 23.2% 1.9% 6.8% -2.5% 8.6% -4.6% -1.2% 12.5% 28.9% -5.7%
ROIC 12.82
12.25
11.49
11.50
11.00
11.79
growth rate -4.5% -6.2% 0.1% -4.4% 7.2%
Leverage 10.25
11.03
11.61
11.59
10.84
10.79
10.21
9.87
9.35
8.39
8.52
growth rate 7.6% 5.3% -0.2% -6.5% -0.5% -5.4% -3.3% -5.3% -10.3% 1.6%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 18.66
128.80
124.87
131.56
133.06
139.43
144.74
growth rate 590.2% -3.1% 5.4% 1.2% 4.8% 3.8%
Acct.Payable 2.71
21.30
24.13
5,904.70
5,973.36
6,248.06
6,415.05
6,605.50
7,483.64
growth rate 686.0% 13.3% 24,374.4% 1.2% 4.6% 2.7% 3.0% 13.3%
Cur.Assets 1,989.23
1,660.82
1,905.26
1,820.23
1,504.55
1,961.98
growth rate -16.5% 14.7% -4.5% -17.3% 30.4%
Total Assets 4,416.10
5,060.20
5,608.83
6,022.30
6,039.00
6,574.97
6,692.83
7,018.95
7,253.16
7,574.26
8,565.76
growth rate 14.6% 10.8% 7.4% 0.3% 8.9% 1.8% 4.9% 3.3% 4.4% 13.1%
Cash 1,036.50
1,204.10
2,323.11
237.40
-87.60
1,869.18
1,558.08
1,809.19
1,714.09
1,379.06
1,805.44
growth rate 16.2% 92.9% -89.8% -100.0% 100.0% -16.6% 16.1% -5.3% -19.6% 30.9%
Inventory 8.08
8.21
3.87
4.42
6.87
6.07
growth rate 1.7% -52.9% 14.4% 55.4% -11.7%
Cur.Liabilities 5,938.85
6,005.36
6,275.90
6,445.57
6,644.67
7,530.05
growth rate 1.1% 4.5% 2.7% 3.1% 13.3%
Liabilities 3,985.40
4,601.70
5,125.78
5,502.70
5,482.00
5,965.66
6,037.32
6,307.86
6,477.53
6,671.47
7,560.77
growth rate 15.5% 11.4% 7.4% -0.4% 8.8% 1.2% 4.5% 2.7% 3.0% 13.3%
LT Debt 2,009.00
2,010.00
2,011.00
36.00
33.70
26.80
31.96
31.96
31.96
26.80
26.80
growth rate 0.1% 0.1% -98.2% -6.4% -20.5% 19.2% 0.0% 0.0% -16.1% 0.0%
Equity 430.80
458.60
483.04
519.60
557.00
609.31
655.51
711.09
775.63
902.79
1,004.99
growth rate 6.5% 5.3% 7.6% 7.2% 9.4% 7.6% 8.5% 9.1% 16.4% 11.3%
Common Shares 31.00
31.00
31.00
31.00
31.00
31.00
32.00
32.00
33.00
33.00
33.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 3.2% 0.0% 3.1% 0.0% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures -1.60
1.10
16.38
13.44
13.90
11.49
11.26
10.84
18.01
51.86
27.05
growth rate 100.0% 1,389.1% -18.0% 3.4% -17.3% -2.0% -3.8% 66.2% 188.0% -47.8%
Cash Dividends 13.80
14.70
15.59
21.09
13.58
19.54
21.45
22.77
24.78
30.27
39.81
growth rate 6.5% 6.1% 35.3% -35.6% 43.9% 9.8% 6.2% 8.8% 22.1% 31.5%
Cash From OA 0.70
130.90
62.41
60.30
78.09
76.92
78.16
90.54
109.75
140.01
158.96
growth rate 18,600.0% -52.3% -3.4% 29.5% -1.5% 1.6% 15.8% 21.2% 27.6% 13.5%
FCF per Share -0.17
3.94
6.36
1.52
2.19
1.77
2.00
2.58
2.53
2.29
3.32
growth rate 100.0% 61.4% -76.1% 44.1% -19.2% 13.0% 29.0% -1.9% -9.5% 45.0%
Sale Purchase of Stock -9.40
3.28
2.49
4.91
4.43
13.35
4.84
growth rate 100.0% -24.2% 97.3% -9.9% 201.6% -63.7%
FCF -5.00
123.00
46.00
47.00
64.00
65.00
67.00
80.00
87.00
79.00
132.00
growth rate 100.0% -62.6% 2.2% 36.2% 1.6% 3.1% 19.4% 8.8% -9.2% 67.1%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 198.20
212.70
258.85
270.30
267.44
274.69
286.93
299.34
336.70
381.87
410.86
growth rate 7.3% 21.7% 4.4% -1.1% 2.7% 4.5% 4.3% 12.5% 13.4% 7.6%
Op.Income 48.70
65.60
45.62
51.90
54.32
96.73
106.83
112.36
141.18
165.43
173.29
growth rate 34.7% -30.5% 13.8% 4.7% 78.1% 10.4% 5.2% 25.6% 17.2% 4.8%
IBT 48.68
65.65
70.70
79.00
80.84
91.17
101.21
107.94
136.31
159.75
169.56
growth rate 34.9% 7.7% 11.8% 2.3% 12.8% 11.0% 6.7% 26.3% 17.2% 6.1%
Net Income 32.60
42.30
45.62
51.90
54.30
63.89
66.17
70.67
86.44
125.81
134.88
growth rate 29.8% 7.9% 13.8% 4.6% 17.7% 3.6% 6.8% 22.3% 45.6% 7.2%
EPS 1.04
1.35
1.47
1.68
1.75
2.02
2.09
2.22
2.65
3.76
4.05
growth rate 29.8% 8.9% 14.3% 4.2% 15.4% 3.5% 6.2% 19.4% 41.9% 7.7%
Gross Profit 274.69
286.93
299.34
336.70
381.87
410.86
growth rate 4.5% 4.3% 12.5% 13.4% 7.6%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 6,613.61
7,330.68
7,483.64
8,486.67
growth rate 10.8% 2.1% 6.5%
Cur.Assets 1,897.08
1,901.45
1,961.98
growth rate 0.2% 3.2%
Total Assets 7,642.02
8,388.82
8,565.76
9,612.45
growth rate 9.8% 2.1% 5.9%
Cash 1,704.44
1,702.17
1,805.44
growth rate -0.1% 6.1%
Inventory 7.00
7.06
6.07
4.95
growth rate 0.7% -13.9% -9.7%
Cur.Liabilities 6,653.64
7,376.19
7,530.05
growth rate 10.9% 2.1%
Liabilities 6,685.64
7,409.06
7,560.77
8,578.25
growth rate 10.8% 2.1% 6.5%
LT Debt 26.80
26.80
26.80
26.80
growth rate 0.0% 0.0% 0.0%
Equity 956.38
979.75
1,004.99
1,004.99
1,034.20
growth rate 2.4% 2.6% 0.0% 2.9%
Common Shares 32.64
32.64
32.69
32.66
growth rate 0.0% 0.2% -0.1%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 6.12
6.96
7.19
growth rate 13.8% 3.3%
Cash Dividends 9.79
9.79
10.45
growth rate 0.1% 6.7%
Cash From OA 35.45
40.36
46.49
growth rate 13.9% 15.2%
Sale Purchase of Stock
growth rate
FCF 29.33
33.40
39.30
growth rate 13.9% 17.7%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 100.44
105.16
108.05
89.64
growth rate 4.7% 2.8% -17.0%
Op.Income 45.23
43.75
42.49
27.22
growth rate -3.3% -2.9% -35.9%
IBT 43.83
42.97
41.76
28.25
25.31
growth rate -2.0% -2.8% -32.3% -10.4%
Net Income 34.17
33.37
35.51
22.61
20.73
growth rate -2.3% 6.4% -36.3% -8.3%
EPS
growth rate
Gross Profit 100.44
105.16
108.05
89.64
growth rate 4.7% 2.8% -17.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (89.31)

YOY Growth Grade:

B (66.83)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.08 11.81 13.40
EPS / Growth 17.5% 3.38 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.0% 11.7% 11.7%
Future PE 13.08 16.64 16.64
Future EPS 6.65 10.24 10.24
Value Price
MOS %
21.51
-46.1%
42.14
5.5%
42.14
5.5%
MOS Price 10.76 21.07 21.07
IRT 8.45 7.26 7.26

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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