BancFirst Net Interest Income Increases to $127.6 Million in Q1
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4 days ago
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Should l Buy BANF?
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. 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."
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Analyst Views on BANF
Wall Street analysts forecast BANF stock price to rise
3 Analyst Rating
0 Buy
3 Hold
0 Sell
Hold
Current: 116.720
Low
123.00
Averages
123.67
High
125.00
Current: 116.720
Low
123.00
Averages
123.67
High
125.00
About BANF
BancFirst Corporation is a financial holding company that operates through its subsidiaries. The Company has six business units: BancFirst metropolitan banks, BancFirst community banks, Pegasus, Worthington, other financial services and executive operations and support. BancFirst metropolitan banks, BancFirst community banks, Pegasus and Worthington offer traditional banking products such as commercial and retail lending and a full line of deposit accounts. BancFirst metropolitan bank’s banking locations are in the metropolitan Oklahoma City and Tulsa areas. The Company's banking locations: one location in Collinsville, Oklahoma, one location in Disney, Oklahoma, one location in Ramona, Oklahoma, one location in Skiatook, Oklahoma and two locations in Muskogee, Oklahoma. Pegasus’s banking locations include the Dallas metropolitan area. Arlington, Fort Worth and Denton, Texas are banking locations of Worthington.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
BancFirst Reports Increased Q1 Profit
- Profit Growth: BancFirst's Q1 net profit reached $63 million, translating to an EPS of $1.85, which is a significant increase from last year's $56.11 million and $1.66 per share, indicating enhanced profitability.
- Revenue Increase: The company's revenue rose by 8.6% year-over-year to $179 million, up from $164.84 million last year, reflecting strong business expansion and market demand.
- Financial Performance: On a GAAP basis, BancFirst's profitability continues to improve, with net income and EPS exceeding market expectations, demonstrating the company's robust performance in the current economic environment.
- Market Confidence: With the dual growth in profit and revenue, BancFirst's financial health is strengthened, potentially attracting more investor interest and enhancing the company's competitiveness in the financial market.
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BancFirst Q1 Earnings Exceed Expectations
- Non-GAAP EPS: BancFirst reported a Q1 non-GAAP EPS of $1.85, beating expectations by $0.09, indicating a sustained enhancement in profitability and reflecting strong financial performance in a competitive market.
- Revenue Growth: The company achieved revenue of $178 million in Q1, an 8.0% year-over-year increase that surpassed expectations by $0.9 million, demonstrating steady expansion in customer base and market share, thereby reinforcing its market position.
- Asset and Loan Growth: As of March 31, 2026, total assets reached $15.1 billion, an increase of $277.6 million from December 31, 2025, with total loans amounting to $8.6 billion, up $51.4 million, showcasing the company's proactive stance in the credit market.
- Deposits and Equity: Total deposits stood at $12.9 billion, reflecting an increase of $230.7 million since year-end 2025, while total stockholders' equity rose to $1.9 billion, up $47.8 million, highlighting the company's success in attracting deposits and strengthening its capital base.
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BancFirst Reports Q1 Net Income Growth
- Net Income Growth: BancFirst's net income for Q1 2026 reached $63 million, translating to $1.85 per diluted share, compared to $56.1 million and $1.66 per share in Q1 2025, indicating robust profitability growth and reflecting the company's strong performance amid economic recovery.
- Interest Income Increase: The net interest income for Q1 2026 was $127.6 million, up from $115.9 million in Q1 2025, primarily driven by increased loan volumes and overall growth in earning assets, which further enhances the company's financial stability.
- Non-Interest Income Rise: Non-interest income totaled $51.4 million in Q1 2026, compared to $49 million in the same quarter last year, with increases in trust revenue and service charges on deposits partially offsetting a decline in insurance commissions, showcasing the effectiveness of the company's diversified revenue strategy.
- Asset and Deposit Growth: As of March 31, 2026, the company's total assets stood at $15.1 billion, an increase of $277.6 million from year-end 2025, while total deposits reached $12.9 billion, up by $230.7 million, indicating sustained competitiveness and customer trust in the market.
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BancFirst (BANF) Q4 EPS at $1.75 Misses by $0.04, Revenue Up 11.1%
- Earnings Performance: BancFirst reported Q4 GAAP EPS of $1.75, missing estimates by $0.04, indicating potential pressure on profitability that may affect investor confidence.
- Revenue Growth: The company achieved revenue of $181 million in Q4, an 11.1% year-over-year increase, surpassing market expectations by $7.24 million, suggesting strong business momentum that could attract more investor interest.
- Stable Asset Quality: As of December 31, 2025, nonaccrual loans stood at $61.1 million, representing 0.72% of total loans, unchanged from year-end 2024, demonstrating the company's robustness in credit management, which helps maintain investor trust.
- Credit Loss Reserves: The company recorded a reversal of provision for credit losses of $2.0 million in Q4 2025, up from $1.4 million in the same period of 2024, reflecting improvements in credit risk management that may bolster market confidence in its risk control capabilities.
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BancFirst Corporation Reports Q4 Earnings of $59.5 Million, Misses Estimates
- Earnings Performance: BancFirst's Q4 earnings reached $59.5 million, or $1.75 per share, showing an increase from last year's $56.48 million and $1.68 per share, yet falling short of analysts' expectations of $1.79, indicating growth amidst market pressure.
- Revenue Growth: The company's revenue rose 11.1% year-over-year to $181 million from $162.94 million last year, reflecting robust revenue growth despite not fully meeting earnings expectations, which could impact investor sentiment.
- Market Reaction: The earnings miss may lead to negative market reactions, potentially affecting BancFirst's stock price, prompting investors to closely monitor future quarters to assess the sustainability of the company's profitability.
- Analyst Expectations: Analysts typically exclude special items in their earnings forecasts, and the gap between BancFirst's actual performance and market expectations may influence future investment ratings and overall market confidence.
See More
BancFirst Reports Record $59.5 Million Net Income for Q4 2025
- Net Income Growth: BancFirst achieved a net income of $59.5 million in Q4 2025, translating to $1.75 per diluted share, which marks a significant increase from $56.5 million and $1.68 per share in Q4 2024, indicating sustained profitability improvements.
- Interest Income Increase: The net interest income for Q4 2025 reached $127.7 million, up from $115.9 million in 2024, primarily driven by increased loan volumes and growth in other earning assets, reflecting the company's strong performance in the lending market.
- Non-Interest Income Rise: The quarter's non-interest income totaled $53.3 million, compared to $47.0 million last year, largely due to a $4.5 million gain from the sale of Visa B-1 stock, showcasing the company's success in diversifying its revenue streams.
- Stable Asset Quality: As of December 31, 2025, BancFirst reported nonaccrual loans of $61.1 million, representing 0.72% of total loans, unchanged from 2024, indicating the company's robust risk management and asset quality maintenance.
See More
BancFirst Reports Increased Q1 Profit
- Profit Growth: BancFirst's Q1 net profit reached $63 million, translating to an EPS of $1.85, which is a significant increase from last year's $56.11 million and $1.66 per share, indicating enhanced profitability.
- Revenue Increase: The company's revenue rose by 8.6% year-over-year to $179 million, up from $164.84 million last year, reflecting strong business expansion and market demand.
- Financial Performance: On a GAAP basis, BancFirst's profitability continues to improve, with net income and EPS exceeding market expectations, demonstrating the company's robust performance in the current economic environment.
- Market Confidence: With the dual growth in profit and revenue, BancFirst's financial health is strengthened, potentially attracting more investor interest and enhancing the company's competitiveness in the financial market.
See More
BancFirst Q1 Earnings Exceed Expectations
- Non-GAAP EPS: BancFirst reported a Q1 non-GAAP EPS of $1.85, beating expectations by $0.09, indicating a sustained enhancement in profitability and reflecting strong financial performance in a competitive market.
- Revenue Growth: The company achieved revenue of $178 million in Q1, an 8.0% year-over-year increase that surpassed expectations by $0.9 million, demonstrating steady expansion in customer base and market share, thereby reinforcing its market position.
- Asset and Loan Growth: As of March 31, 2026, total assets reached $15.1 billion, an increase of $277.6 million from December 31, 2025, with total loans amounting to $8.6 billion, up $51.4 million, showcasing the company's proactive stance in the credit market.
- Deposits and Equity: Total deposits stood at $12.9 billion, reflecting an increase of $230.7 million since year-end 2025, while total stockholders' equity rose to $1.9 billion, up $47.8 million, highlighting the company's success in attracting deposits and strengthening its capital base.
See More
BancFirst Reports Q1 Net Income Growth
- Net Income Growth: BancFirst's net income for Q1 2026 reached $63 million, translating to $1.85 per diluted share, compared to $56.1 million and $1.66 per share in Q1 2025, indicating robust profitability growth and reflecting the company's strong performance amid economic recovery.
- Interest Income Increase: The net interest income for Q1 2026 was $127.6 million, up from $115.9 million in Q1 2025, primarily driven by increased loan volumes and overall growth in earning assets, which further enhances the company's financial stability.
- Non-Interest Income Rise: Non-interest income totaled $51.4 million in Q1 2026, compared to $49 million in the same quarter last year, with increases in trust revenue and service charges on deposits partially offsetting a decline in insurance commissions, showcasing the effectiveness of the company's diversified revenue strategy.
- Asset and Deposit Growth: As of March 31, 2026, the company's total assets stood at $15.1 billion, an increase of $277.6 million from year-end 2025, while total deposits reached $12.9 billion, up by $230.7 million, indicating sustained competitiveness and customer trust in the market.
See More
BancFirst (BANF) Q4 EPS at $1.75 Misses by $0.04, Revenue Up 11.1%
- Earnings Performance: BancFirst reported Q4 GAAP EPS of $1.75, missing estimates by $0.04, indicating potential pressure on profitability that may affect investor confidence.
- Revenue Growth: The company achieved revenue of $181 million in Q4, an 11.1% year-over-year increase, surpassing market expectations by $7.24 million, suggesting strong business momentum that could attract more investor interest.
- Stable Asset Quality: As of December 31, 2025, nonaccrual loans stood at $61.1 million, representing 0.72% of total loans, unchanged from year-end 2024, demonstrating the company's robustness in credit management, which helps maintain investor trust.
- Credit Loss Reserves: The company recorded a reversal of provision for credit losses of $2.0 million in Q4 2025, up from $1.4 million in the same period of 2024, reflecting improvements in credit risk management that may bolster market confidence in its risk control capabilities.
See More
BancFirst Corporation Reports Q4 Earnings of $59.5 Million, Misses Estimates
- Earnings Performance: BancFirst's Q4 earnings reached $59.5 million, or $1.75 per share, showing an increase from last year's $56.48 million and $1.68 per share, yet falling short of analysts' expectations of $1.79, indicating growth amidst market pressure.
- Revenue Growth: The company's revenue rose 11.1% year-over-year to $181 million from $162.94 million last year, reflecting robust revenue growth despite not fully meeting earnings expectations, which could impact investor sentiment.
- Market Reaction: The earnings miss may lead to negative market reactions, potentially affecting BancFirst's stock price, prompting investors to closely monitor future quarters to assess the sustainability of the company's profitability.
- Analyst Expectations: Analysts typically exclude special items in their earnings forecasts, and the gap between BancFirst's actual performance and market expectations may influence future investment ratings and overall market confidence.
See More
BancFirst Reports Record $59.5 Million Net Income for Q4 2025
- Net Income Growth: BancFirst achieved a net income of $59.5 million in Q4 2025, translating to $1.75 per diluted share, which marks a significant increase from $56.5 million and $1.68 per share in Q4 2024, indicating sustained profitability improvements.
- Interest Income Increase: The net interest income for Q4 2025 reached $127.7 million, up from $115.9 million in 2024, primarily driven by increased loan volumes and growth in other earning assets, reflecting the company's strong performance in the lending market.
- Non-Interest Income Rise: The quarter's non-interest income totaled $53.3 million, compared to $47.0 million last year, largely due to a $4.5 million gain from the sale of Visa B-1 stock, showcasing the company's success in diversifying its revenue streams.
- Stable Asset Quality: As of December 31, 2025, BancFirst reported nonaccrual loans of $61.1 million, representing 0.72% of total loans, unchanged from 2024, indicating the company's robust risk management and asset quality maintenance.
See More
