Filing Flows › Bancfirst (BANF) › Q3 2026
Bancfirst (BANF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Bancfirst (BANF) reported revenue of $187M for the third quarter 2026 (Q3 2026), +7% from a year earlier and -0.1% from the quarter before. Operating margin was 45.9%, net earnings $67.3M (35.9% of revenue).
Bancfirst, Q3 2026: revenue $187M (+7% year over year), operating margin 45.9%, net earnings $67.3M, operating cash flow $86.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $187M | -0.1% | +7% |
| Operating profit | $86.1M | +1% | +9% |
| Net earnings | $67.3M | +0.9% | +7% |
| Operating cash flow | $86.1M | +4% | +14% |
| Free cash flow | $69.9M | -5% | +10% |
What changed
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.
Questions
What was Bancfirst's revenue in the third quarter 2026?
Bancfirst (BANF) reported revenue of $187M for the third quarter 2026 (Q3 2026), +7% from a year earlier and -0.1% from the quarter before.
Was Bancfirst profitable in the third quarter 2026?
Operating profit was $86.1M (45.9% of revenue) and net earnings $67.3M.
Source: Bancfirst 10-Q on SEC EDGAR.