ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is BancFirst Corp. (Oklahoma) ?
1
High Profitability with a Net Interest Margin of 8.24%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.03%
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 283.28 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- PRE-TAX PROFIT(Q) Highest at USD 80.06 MM
4
With ROA of 0.93%, it has a fair valuation with a 1.93 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.42%, its profits have risen by 11.2% ; the PEG ratio of the company is 1.4
5
High Institutional Holdings at 51.95%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -7.42% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BancFirst Corp. (Oklahoma) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is BancFirst Corp. (Oklahoma) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
BancFirst Corp. (Oklahoma)
-7.42%
1.40
27.21%
S&P 500
20.78%
1.56
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.37%
EBIT Growth (5y)
13.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.72%
Pledged Shares
0
Institutional Holding
51.95%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.93
EV to EBIT
-3.36
EV to EBITDA
-3.11
EV to Capital Employed
0.36
EV to Sales
-1.25
PEG Ratio
1.41
Dividend Yield
1.75%
ROCE (Latest)
-10.56%
ROE (Latest)
12.98%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 283.28 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 80.06 MM
NET PROFIT(Q)
Highest at USD 62.99 MM
EPS(Q)
Highest at USD 1.85
-3What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 66.55%
Here's what is working for BancFirst Corp. (Oklahoma)
Operating Cash Flow
Highest at USD 283.28 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Pre-Tax Profit
Highest at USD 80.06 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 62.99 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.85
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 5.79 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 18.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for BancFirst Corp. (Oklahoma)
Non Performing Loans (%)
Highest at 0.82%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 66.55%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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