BANF at a glance
BANCFIRST CORP /OK/ (BANF, SEC CIK 760498) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 21, 2026 and Form 4 insider filings as recently as August 31, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), BANCFIRST CORP /OK/ (BANF) reported revenue of $760.3 million (up 5.0% from FY2024) and net income of $240.6 million. Diluted EPS was $7.11.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding BANCFIRST CORP /OK/ (BANF) shares worth $1.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by RAINBOLT DAVID E on August 13, 2026 of 8,506 shares at $115.00 per share.
- In the last 90 days, BANF insiders reported 0 open-market purchases ($0) and 8 open-market sales ($19.4M) on Form 4, a net sale of $19.4M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $760.3M
- +5.0% vs prior year
- Insiders · 90 days
- 0 buys · 8 sells
- Net −$19.4M
- 13F holders
- 32 funds
- $1.1B · +1 vs prior quarter
- Latest 8-K
- Sep 21, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Banking and financial services with emphasis on stock repurchase program management
- New emphasis: Implementation of Stock Repurchase Program (SRP) to boost EPS, ROE, and provide stock liquidity
- Strategic shift: Introduction of SRP allowing repurchase and retirement of up to 479,784 shares as of Dec 31, 2025
- Quantitative metric: 479,784 shares authorized for repurchase, none repurchased during Q4 2025
- Noteworthy fact: All repurchased shares under SRP to be retired, not held as treasury stock
Risk Factors
- Regulatory risk: Proposed October 2023 Federal Reserve rule reducing debit card interchange fees from 21 cents + 5 bps to 14.4 cents + 4 bps, impacting future revenues
- Macroeconomic risk: Oil price decline from $72/bbl to $61/bbl (Dec 2024 to Dec 2025) risks higher energy loan losses; energy loans 6.4% of portfolio
- Operational risk: Loan portfolio heavily concentrated in real estate, 71% secured by real estate as of Dec 31, 2025, raising credit risk if market deteriorates
- Competitive risk: CFPB’s October 2024 final data access rule boosting consumer financial product competition; rule currently stayed pending revisions
- Financial risk: Significant exposure to fluctuations in interest rates impacting net interest margin and profitability via asset-liability sensitivity gaps
Management Discussion & Analysis
- Revenue $690.6M ($490.5M net interest + $200.1M noninterest), up $59.2M YoY; net interest income $490.5M vs $446.9M; noninterest income $200.1M vs $184.6M
- Operating margin indicated by efficiency ratio stable at 55.00% vs 54.98%; net interest margin 3.74% vs 3.73% YoY
- Best segment: Net interest income driven by loan growth (+$511.5M loans to $8.5B) and fee income gains (e.g. sweep fees +$3.5M, trust rev +$1.3M); Worst impacted: noninterest expense increased 9.4% mainly salaries +$14.0M and other real estate owned expense +$7.4M
- Cash flow/capital allocation: Dividends $1.90/share vs $1.78; no explicit buybacks disclosed; assets up $1.3B to $14.8B; deposits up $951.8M to $12.7B; net loan charge-offs $8.5M vs $6.3M
- Forward outlook: Risks include interest rate shifts impacting margin, regulatory changes increasing noninterest expense, regional economic conditions affecting credit losses; management expects stable net interest margin with continued asset growth
AI summary of the BANF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $66.7M vs $62.3M YoY; diluted EPS $1.96 vs $1.85
- Net interest margin 3.84% vs 3.75%; efficiency ratio 52.02% vs 52.10%
- Net interest income $133.5M vs $121.3M; noninterest income $53.9M vs $48.0M
- Loans $8.7B, up $110.6M; deposits $12.8B, up $155.9M from year-end
- Headwinds: provision $4.9M vs $1.4M; nonaccrual loans $81.4M vs $61.1M, with future credit losses potentially higher
Risk Factors
- No material changes to previously disclosed 2025 Form 10-K risk factors as of June 30, 2026
- No newly added risk factor or triggering event identified in the 10-Q
- No changed regulatory, legal, compliance, operational, competitive, market, or financial risk disclosed
AI summary of the BANF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Quarterly common dividend $0.52 per share, payable October 15, 2026
- September 30, 2026 record date determines common-dividend eligibility
Item 2.02: Results of Operations and Financial Condition
- Second-quarter results for period ended June 30, 2026
- Earnings details contained in Exhibit 99.1 press release
Item EX-99.1: Item EX-99.1
- Q2 net income $66.7M, or $1.96 diluted EPS, up from $62.3M and $1.85 year over year
- Net interest income rose to $133.5M as loans and earning assets grew, while net interest margin expanded to 3.84% from 3.75%
Item 7.01: Regulation FD Disclosure
- BancFirst agreed to acquire privately held SpiritBank, expanding its Oklahoma banking footprint
- SpiritBank contributes approximately $939.6M assets, $618.4M loans, and $847.2M deposits
AI summaries of BANF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for BANF
Don't miss the next BANF filing
- Alerts as it files. A push when BANF files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut BANF, by share count.
- Ask anything. An AI agent that reads every BANF filing and answers with sources.
BANF alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Ingram Kimberly Kay | M | Aug 30, 2026 | 500 | $110.55 |
| Ingram Kimberly Kay | M | Aug 30, 2026 | 500 | $110.55 |
| RAINBOLT DAVID E | Sell | Aug 13, 2026 | 8,506 | $115.00 |
| RAINBOLT DAVID E | Sell | Aug 6, 2026 | 3,000 | $115.00 |
| RAINBOLT DAVID E | Sell | Aug 5, 2026 | 2,000 | $115.03 |
| RAINBOLT DAVID E | Sell | Aug 4, 2026 | 17,830 | $115.06 |
| RAINBOLT DAVID E | Sell | Aug 3, 2026 | 11,497 | $115.09 |
| RAINBOLT DAVID E | Sell | Jul 29, 2026 | 12,718 | $115.05 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $623.9M | $724.1M | $760.3M |
| Net Income | $212.5M | $216.4M | $240.6M |
| Net Margin | 34.1% | 29.9% | 31.6% |
| Balance Sheet | |||
| Total Assets | $12.4B | $13.6B | $14.8B |
| Equity | $1.4B | $1.6B | $1.9B |
| ROE | 14.8% | 13.3% | 13.0% |
| Per Share | |||
| EPS | - | $6.44 | $7.11 |
| Cash Flow | |||
| Operating CF | $233.0M | $261.2M | $285.3M |
| CapEx | $22.5M | $36.7M | $48.3M |
Source: XBRL data in BANCFIRST CORP /OK/ (BANF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate BANF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.10B |
| Q1 2026 | 31 | $1.06B |
| Q4 2025 | 28 | $1.03B |
| Q3 2025 | 28 | $1.21B |
| Q2 2025 | 29 | $1.14B |
| Q1 2025 | 24 | $705.0M |
| Q4 2024 | 22 | $649.4M |
| Q3 2024 | 18 | $314.1M |
- State Street Corp+136.5K (+10%)
- BlackRock+112.3K (+4%)
- Dimensional Fund Advisors+47.6K (+5%)
- Morgan Stanley+30.0K (+14%)
- Citadel Advisors LLC+25.2K (+56%)
- Vanguard Capital Management LLC−111.3K (-10%)
- Vanguard Portfolio Management LLC−105.9K (-7%)
- FMR LLC (Fidelity)−36.1K (-75%)
- Goldman Sachs Group−15.0K (-13%)
- Raymond James Financial−11.0K (-8%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 212 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
BANF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 21, 2026 | - | Analysis | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 29, 2026 | - | - | - |
| 4 | Jul 29, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jun 10, 2026 | - | Analysis | |
| 8-K | May 28, 2026 | - | Analysis | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 7, 2026 | - | - | |
| 4 | May 1, 2026 | - | - | - |
| 4 | Apr 28, 2026 | - | - | - |
| 4 | Apr 24, 2026 | - | - | - |
| 4 | Apr 20, 2026 | - | - | - |
| 4 | Apr 20, 2026 | - | - | - |
| 8-K | Apr 16, 2026 | - | Analysis | - |
| 4 | Apr 3, 2026 | - | - | - |
| 4 | Apr 3, 2026 | - | - | - |
| 4 | Apr 3, 2026 | - | - | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
- BAC · Bank of America CorpNational Commercial Banks
BANF SEC filings: frequently asked questions
Are BANF insiders buying or selling?
In the last 90 days, BANCFIRST CORP /OK/ (BANF) officers, directors and 10% owners reported no open-market purchases and 8 open-market sales worth $19.4 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold BANF stock?
As of June 30, 2026, the largest BANCFIRST CORP /OK/ (BANF) holders among the 13F filers tracked by SignalX were BlackRock ($356.1 million), State Street Corp ($163.2 million), Vanguard Portfolio Management LLC ($159.8 million), Vanguard Capital Management LLC ($108.1 million), Dimensional Fund Advisors ($101.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was BANF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), BANCFIRST CORP /OK/ (BANF) reported revenue of $760.3 million (up 5.0% from FY2024) and net income of $240.6 million. Diluted EPS was $7.11. The figures come from the XBRL data in the 10-K.
What are the main risks in BANF's latest 10-K?
In the 10-K filed February 26, 2026, BANCFIRST CORP /OK/ (BANF) flagged: Regulatory risk: Proposed October 2023 Federal Reserve rule reducing debit card interchange fees from 21 cents + 5 bps to 14.4 cents + 4 bps, impacting future revenues. Macroeconomic risk: Oil price decline from $72/bbl to $61/bbl (Dec 2024 to Dec 2025) risks higher energy loan losses; energy loans 6.4% of portfolio. (AI summary of the Risk Factors section.)
What did BANF report in its latest 8-K?
BANCFIRST CORP /OK/ (BANF) filed an 8-K on September 21, 2026 reporting Item 7.01 (Regulation FD Disclosure). Quarterly common dividend $0.52 per share, payable October 15, 2026.
What are the latest BANF SEC filings?
BANCFIRST CORP /OK/ (BANF) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 21, 2026 and a Form 4 insider filing on August 31, 2026.
What is BANF's SEC CIK number?
BANCFIRST CORP /OK/ (BANF)'s SEC Central Index Key (CIK) is 760498. EDGAR lists every BANF filing under that number.
Ask anything about BANF
The research agent reads BANF's filings, financials, insider trades and 13F holders, then answers with sources.