How does BancFirst (BANF) make money?

BancFirst (BANF) generates revenue primarily from Deposit Account, which accounted for 75.4% of total revenue in TTM through Q1 2026. The company reported $834.53M in revenue and converted 29.7% of it into net profit, equivalent to roughly $247.49M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of BancFirst (BANF)?

BancFirst (BANF) reported a gross profit margin of 83.5% in TTM through Q1 2026, equivalent to $697.03M in gross profit on $834.53M in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of BancFirst (BANF)?

BancFirst (BANF) reported an operating profit margin of 37.8% in TTM through Q1 2026, equivalent to $315.31M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of BancFirst (BANF)?

BancFirst (BANF) reported a net profit margin of 29.7% in TTM through Q1 2026, equivalent to $247.49M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is BancFirst (BANF) profitable?

Yes. BancFirst (BANF) reported $247.49M in net income for TTM through Q1 2026, with a net profit margin of 29.7%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does BancFirst (BANF) spend on capital expenditures?

BancFirst (BANF) spent $47.78M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 5.7% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does BancFirst (BANF) generate?

BancFirst (BANF) generated $236.39M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 28.3%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of BancFirst (BANF)?

BancFirst (BANF) had an effective tax rate of 21.2% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of BancFirst (BANF)?

BancFirst (BANF) reports revenue across 2 reportable product segments, led by Deposit Account at 75.4% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How BancFirst Makes Money: 2026 Visual Revenue Map

BancFirst (BANF) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 8, 2026).

BancFirst discloses geographic revenue only in annual filings. to view the full breakdown.

BancFirst (BANF) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for BancFirst (BANF) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Deposit Account	$628.94M	75.4%
Fiduciary and Trust	$205.58M	24.6%
Total	$834.53M	100%

Deposit Account$628.94M
Fiduciary and Trust$205.58M
Total$834.53M

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, BancFirst (BANF) reports revenue across 2 operating segments; the largest segment was Deposit Account at 75.4%, followed by Fiduciary and Trust (24.6%).

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