BANF BANCFIRST CORP /OK/

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest BANF SEC filings in 2026?

BANCFIRST CORP /OK/ (BANF) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did BANF file its most recent 10-K annual report?

BANCFIRST CORP /OK/ (BANF) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view BANF 10-Q quarterly reports?

BANCFIRST CORP /OK/ (BANF)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every BANF 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has BANF filed recently?

BANCFIRST CORP /OK/ (BANF)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find BANF insider trading activity (Form 4)?

SignalX aggregates every BANF Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does BANF file with the SEC?

BANCFIRST CORP /OK/ (BANF) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new BANF filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for BANCFIRST CORP /OK/ (BANF).

What is BANF's SEC CIK number?

BANCFIRST CORP /OK/ (BANF)'s SEC CIK (Central Index Key) number is 760498. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 760498 to look up all BANF filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find BANF return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from BANCFIRST CORP /OK/ (BANF) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.