BancFirst Reports Q4 Tangible Book Value of $49.20
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Reports Q4 tangible book value per share $49.20. Reports Q4 net charge-offs .02%. BancFirst Corporation CEO David Harlow commented, "The Company reported record net income and record earnings per share for the fifth consecutive year. Loan growth, a stable net interest margin and solid growth in most all non-interest income categories contributed positively to the year's results. We closed on our previously announced acquisition of American Bank of Oklahoma in the quarter adding the Tulsa MSA communities of Collinsville and Skiatook to the 58 communities across the state that BancFirst serves. Our DFW banks Pegasus and Worthington continue to perform well with growth rates exceeding those of the company as a whole. Asset quality remains solid and charge-offs were in line at historical levels. Our outlook on the economy remains mixed 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 over the next 12 months. According to Wall Street analysts, the average 1-year price target for BANF is 120.00 USD with a low forecast of 120.00 USD and a high forecast of 120.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 107.940
Low
120.00
Averages
120.00
High
120.00
Current: 107.940
Low
120.00
Averages
120.00
High
120.00
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 (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.
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