BANCFIRST CORP /OK/ financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data BANCFIRST CORP /OK/ files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	7.24	7.39	8.03	8.55	7	7.4	8.07	9.11	9.39	10
Interest expense	14.7	20.9	42.7	54.7	20.4	11.4	46.1	199
Pre-tax income	108	136	160	170	124	208	237	270	275	305
Income tax	37.3	49.9	33.9	34.7	23.9	40.8	44.3	57.5	58.9	64.5
Net income	70.7	86.4	126	135	99.6	168	193	212	216	241
EPS, basic	2.27	2.72	3.85	4.13	3.05	5.12	5.89	6.45	6.55	7.22
EPS, diluted	2.22	2.65	3.76	4.05	3.00	5.03	5.77	6.34	6.44	7.11
Shares, basic (weighted)	31.2	31.8	32.7	32.6	32.7	32.7	32.8	32.9	33.1	33.3
Shares, diluted (weighted)	31.8	32.6	33.4	33.3	33.2	33.3	33.4	33.5	33.6	33.8
Dividend per share							1.52	1.66	1.78	1.90

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	1,850	1,758	1,424
Property, plant and equipment	127	134	174	206	262	269	278	279	296	326
Lease right-of-use assets				5.7	4.4	5	5.6	5.9	8	8.7
Goodwill	54	54	79.7	149	150	150	182	182	182	183
Intangible assets	13.3	11.1	16.5	22.6	19	17.6	20	16.7	13.2	21.4
Total assets	7,019	7,253	7,574	8,566	9,212	9,406	12,388	12,372	13,554	14,839
Short-term debt	0.5	0.9	1.68	1.1	1.1	0	0.3	3.35	0	10
Total liabilities	6,308	6,478	6,671	7,561	8,144	8,234	11,137	10,938	11,933	12,985
Paid-in capital	102	107	150	153	157	160	169	175	187	218
Retained earnings	578	639	723	815	871	977	1,120	1,276	1,434	1,611
Other comprehensive income	0.09	-2.33	-2.14	3.45	7.43	2.15	-71.6	-50	-32.9	-8.27
Shareholders' equity	711	776	903	1,005	1,068	1,172	1,251	1,434	1,621	1,854
Total equity	711	776	903	1,005	1,068	1,172	1,251	1,434	1,621	1,854
Total liabilities and equity	7,019	7,253	7,574	8,566	9,212	9,406	12,388	12,372	13,554	14,839
Shares outstanding	31.6	31.9	32.6	32.7	32.7	32.6	32.9	32.9	33.2	33.5

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	70.7	86.4	126	135	99.6	168	193	212	216	241
Depreciation and amortization	12.4	11.8	13.5	16	18.4	20	22	22.2	21.7	22.5
Stock-based compensation	1.64	1.18	1.35	1.28	1.52	2.13	1.94	3	3.45	3.73
Deferred income tax	-2.05	4.38	3.16	1.15	-9.49	7.04	0.32	-2.79	-2.2	-0.9
Cash from operations	90.5	110	140	159	155	204	226	233	261	285
Capital expenditures	-10.8	-18	-51.9	-27.1	-66.4	-27.3	-19.8	-22.5	-36.7	-48.3
Purchases of investments	-224	-84.1	-466	-174	-605	-462	-1,882	-454	-375	-371
Sales and maturities of investments	300	78.7	127	508	548	507	550	468	742	709
Cash from investing	-98	-350	-294	50.3	-899	423	-1,519	-670	-71.4	15.5
Debt issued					3
Debt repaid					-3					-14
Stock issued	13.4	4.84	2.16	2.28	1.57	5.02	6.78	2.09	9.01	4.49
Share buybacks	-5.52		-7.91	-1.6	-3.1	-11.7		-1.82
Dividends paid	-22.8	-24.8	-30.3	-39.8	-42.5	-45.1	-48.5	-53.6	-57.8	-62.2
Cash from financing	260	147	-180	235	492	-194	2,412	-335	966	550
Net change in cash	252	-92.6	-334	444	-251	433	1,119	-771	1,156	851
Free cash flow	79.7	91.7	88.1	132	88.4	177	206	211	225	237
Interest paid	14.7	20.6	41.5	54.6	22.1	12	42.9	192	271	269
Income taxes paid	32.7	41.1	28	31	26.5	30.6	34.6	52.4	46.6	55.1

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $108.71 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	21.2%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	12.9%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.7%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	11.2%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	7.6%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	19.3%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	10.4%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	7.2%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	18.8%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	9.2%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	8.0%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	13.0%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	5.5%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	4.7%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	21.8%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	6.7%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	7.7%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	14.4%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	14.0%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	11.7%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	9.5%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.2%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	10.0%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.7%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	0.4%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	0.4%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	87.0%	Total liabilities / total assets.
Goodwill and intangibles / assets	1.3%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.75B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	97.4%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	15.2%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$7.39	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$7.20	Free cash flow / diluted weighted shares.
Operating cash flow per share	$8.49	Cash from operations / diluted weighted shares.
Book value per share	$58.25	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$52.21	Tangible book value / shares outstanding.
Payout ratio	25.6%	Dividends paid / net income, when net income is positive.
Dividends / FCF	26.3%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$3.65B	Share price x shares outstanding.
Enterprise value	$3.65B	Market cap + total debt - cash - short-term investments.
P/E	14.5x	Market cap / net income. Only when net income is positive.
P/B	1.87x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	2.08x	Market cap / tangible book value, when positive.
P/FCF	14.9x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	12.6x	Market cap / cash from operations, when positive.
EV/FCF	14.9x	Enterprise value / free cash flow, when both are positive.
FCF yield	6.7%	Free cash flow / market cap.
Earnings yield	6.9%	Net income / market cap (the inverse of P/E).
Dividend yield	1.8%	Dividends paid over the period / market cap.
Shareholder yield	1.8%	(Dividends paid + share buybacks) / market cap.
PEG	2.01x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

Was BANCFIRST CORP /OK/ profitable in fiscal 2025?

Yes. Net income was $240.6M, a net margin of -.

How much free cash flow did BANCFIRST CORP /OK/ generate in fiscal 2025?

Cash from operations of $285.3M minus capital expenditures of $48.3M left free cash flow of $237.0M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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