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Bancfirst (BANF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Bancfirst (BANF) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $187M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.9%
Bancfirst made $187M in Q3 2026 (+7% Y/Y): Net interest income $136M, Noninterest income $51.4M. Operating margin 45.9%, net earnings $67.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $187.4M in Q3 2026, up 7% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 73% of revenue. Net interest income added $10.4M year over year (up 8%), 87% of the total change.
Operating profit was $86.1M, a 45.9% margin (up 0.9 points year over year). Of the extra revenue versus a year earlier, 60% reached operating profit, above the 45% margin then. Total costs grew 5% against revenue growth of 7%. Net earnings were $67.3M, up 7% year over year. The effective tax rate was 21.9%.
Operating cash flow was $86.1M (up 14% year over year), 128% of net earnings. Non-cash charges added back $6.1M of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items added $11.7M. Capital expenditures of $16.2M left free cash flow of $69.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $187M | +7% | 45.9% | $67.3M | $86.1M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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About Bancfirst
BancFirst Corporation (the “Company”) is a financial holding company headquartered in Oklahoma City, Oklahoma and registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). It conducts a vast majority of its operating activities through its wholly-owned subsidiary, BancFirst (“BancFirst”), an Oklahoma state-chartered bank headquartered in Oklahoma City, Oklahoma. The Company also conducts operating activities through its wholly-owned subsidiaries, Pegasus Bank (“Pegasus”), a Texas state-chartered bank headquartered in Dallas, Texas, Worthington Bank ("Worthington"), a Texas state-chartered bank headquartered in Arlington, Texas and, prior to its merger with BancFirst in February 2026, American Bank of Oklahoma (“ABOK”), an Oklahoma state-chartered bank headquartered in Collinsville, Oklahoma.
In its own words, from its 10-K, filed Feb 26, 2026.
Bancfirst against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +7%. Operating margin: 45.9% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BANF Bancfirst | Q3 2026 | $187M | +7% | 45.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Bancfirst 10-Q on SEC EDGAR · CIK 760498 · National Commercial Banks
Guidance and outlook
13F: who owns BANF and who is buying
More on BANF
History
Every quarter: Q3 2026 results