<div id="readability-page-1"><div><p>BancFirst (BANF) has seen its stock price edge slightly higher in recent trading, moving up around 4% on the day. Investors are monitoring performance trends as the bank navigates a changing market environment this month.</p> <p>See our latest analysis for BancFirst.</p> <p>Zooming out, BancFirst’s share price has lost ground over the past quarter, with a 16.9% decline pointing to fading investor momentum despite a brief uptick today. For longer-term holders, the five-year total shareholder return sits at an impressive 112%. This serves as a reminder that despite recent struggles, the bank’s track record for value creation remains strong.</p> <p>If this shift in sentiment has you weighing other opportunities, it could be the perfect time to discover fast growing stocks with high insider ownership.</p> <p>With shares still trading nearly 39% below their estimated intrinsic value, the question now is whether BancFirst is trading at an attractive discount or if the market is already accounting for any potential upside in future growth prospects.</p> <h2>Price-to-Earnings of 15.5x: Is it justified?</h2> <p>BancFirst trades at a price-to-earnings (P/E) ratio of 15.5x. This places it noticeably above both the industry and peer averages, based on the last close price of $110.43. This valuation suggests investors are paying a premium for BancFirst’s earnings compared to its main competitors in the banking sector.</p> <p>The P/E ratio measures how much investors are willing to pay for each dollar of the company’s earnings. It is a vital tool for assessing banks, where profitability and risk trends can diverge sharply across the sector. A higher-than-average ratio may signal market optimism for future earnings, or it could mean expectations have overrun fundamentals.</p> <p>Looking deeper, BancFirst’s 15.5x P/E exceeds the US Banks industry average of 11x and the peer average of 11.8x. Even compared to its own estimated fair P/E ratio of 10x, the stock appears expensive. This gap could narrow if earnings increase as anticipated. For now, the market is positioning BancFirst at a valuation well above where it has historically traded or where similar banks stand today.</p> <p>Explore the SWS fair ratio for BancFirst</p> <p><strong>Result: Price-to-Earnings of 15.5x (OVERVALUED)</strong></p> <p>However, weaker annual net income growth and continued share price volatility could challenge the case for BancFirst’s premium valuation in the coming months.</p> <p>Find out about the key risks to this BancFirst narrative.</p> <h2>Another View: Discounted Cash Flow Signals Undervaluation</h2> <p>While BancFirst looks expensive based on earnings multiples, our DCF model tells a different story. According to this method, BancFirst shares are trading nearly 39% below their estimated fair value of $179.94. Could the market be missing the bank’s long-term cash flow potential?</p> <p>Look into how the SWS DCF model arrives at its fair value.</p> <figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/3ad2019e-9a16-4c80-b60e-2b12896c7d00/chart/dcf?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/3ad2019e-9a16-4c80-b60e-2b12896c7d00/chart/dcf"/><figcaption>BANF Discounted Cash Flow as at Nov 2025</figcaption></figure><p>Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out BancFirst for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 918 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.</p> <h2> Build Your Own BancFirst Narrative</h2> <p>If you have a different take on BancFirst’s outlook or want to draw your own conclusions from the fundamentals, you can craft your perspective in just minutes. Do it your way</p> <p>A good starting point is our analysis highlighting 3 key rewards investors are optimistic about regarding BancFirst.</p> <h2>Looking for More Winning Investment Ideas?</h2> <p>Smart investors always have an edge by tracking fresh opportunities. Don’t wait for others to act; get ahead and hunt for your next move right now.</p> <ul> <li>Uncover hidden potential with these 918 undervalued stocks based on cash flows, where overlooked companies could be set for strong rebounds based on solid fundamentals.</li> <li>Capture tomorrow’s tech breakthroughs by checking out these 25 AI penny stocks, featuring fast-moving innovators in artificial intelligence transforming industries across the globe.</li> <li>Maximize your returns with steady income streams from these 17 dividend stocks with yields &gt; 3%, highlighting reliable stocks delivering yields above 3%.</li> </ul> <p><em> This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data     and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your     financial situation. We aim to bring you long-term focused analysis driven by fundamental data.     Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.     Simply Wall St has no position in any stocks mentioned.</em></p></div></div>

BANF

<p>BancFirst's stock price rose 4% recently, but has declined 16.9% over the past quarter. Despite a strong five-year return of 112%, shares trade 39% below intrinsic value. The P/E ratio of 15.5x is above industry averages, suggesting overvaluation. However, a DCF model indicates undervaluation, with shares below fair value of $179.94. Investors are advised to consider risks and opportunities, as the market may be missing long-term cash flow potential.</p>

Evaluating BancFirst (BANF): Is the Current Valuation Justified After Recent Share Price Movement?