Filing Flows › Bancfirst (BANF) › Q3 2026 › vs Q3 2025
Bancfirst (BANF) Q3 2026 vs Q3 2025 (year over year)
Bancfirst's revenue rose $11.9M (+7%) from $175M in Q3 2025 to $187M in Q3 2026. The biggest changes: Net interest income +$10.4M (+8%); Noninterest income +$1.5M (+3%). Operating margin 45.9% against 45.0% (+0.9 pts).
Bancfirst, Q3 2026: revenue $187M (+7% year over year), operating margin 45.9%, net earnings $67.3M, operating cash flow $86.1M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 45.9% | 45.0% | +0.9 pts |
| Net margin | 35.9% | 35.7% | +0.2 pts |
| Free cash flow margin | 37.3% | 36.3% | +1.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $136M | $126M | $10.4M | +8% |
| Noninterest income | $51.4M | $49.9M | $1.5M | +3% |
| Revenue | $187M | $175M | $11.9M | +7% |
| Operating profit | $86.1M | $79.0M | $7.1M | +9% |
| Costs & expenses | $101M | $96.5M | $4.8M | +5% |
| Pre-tax earnings | $86.1M | $79.0M | $7.1M | +9% |
| Credit loss provision | $3.1M | $4.4M | −$1.3M | -30% |
| Noninterest expense | $98.2M | $92.1M | $6.1M | +7% |
| Net earnings | $67.3M | $62.7M | $4.6M | +7% |
| Income tax | $18.8M | $16.3M | $2.5M | +15% |
| Depreciation & amortization | $6.1M | $5.6M | $489K | +9% |
| Share-based compensation | $1.1M | $1.1M | $42K | +4% |
| Working capital & other | $11.7M | $6.1M | $5.6M | +91% |
| Operating cash flow | $86.1M | $75.4M | $10.7M | +14% |
| Free cash flow (OCF − capex) | $69.9M | $63.7M | $6.2M | +10% |
| Capital expenditures | $16.2M | $11.7M | $4.5M | +38% |
Questions
How much did Bancfirst's revenue grow year over year in Q3 2026?
Bancfirst's revenue rose $11.9M (+7%) from $175M in Q3 2025 to $187M in Q3 2026.
What drove Bancfirst's revenue change in Q3 2026?
Net interest income +$10.4M (+8%); Noninterest income +$1.5M (+3%).