Demonstrações financeiras detalhadas de BancFirst Corporation (BANF): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
BancFirst Corporation registou receitas de $824.3M no último exercício, com um CAGR de 5 anos de 12.2%. O lucro líquido atingiu $240.6M, com CAGR de 5 anos de 19.3%.
Margens dos últimos 12 meses: margem bruta 90.5%, margem operacional 41.1%, margem líquida 32.2%. O fluxo de caixa livre cresceu a CAGR de 21.8% em 5 anos.
Ao preço atual de $109.63, BANF negocia a um P/L de 14.67 e um ROE de 13.44%. A capitalização de mercado é de $3.7B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $325.6M | $366.1M | $428.4M | $473.9M | $464.3M | $497.1M | $603.6M | $809.3M | $908.7M | $824.3M |
| Custo da Receita | $26.3M | $29.4M | $46.5M | $63.0M | $83.1M | $2.7M | $56.2M | $206.9M | $286.3M | $140.9M |
| Lucro Bruto | $299.3M | $336.7M | $381.9M | $410.9M | $381.2M | $494.4M | $547.3M | $602.4M | $622.4M | $683.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $129.8M | $134.8M | $150.0M | $162.7M | $173.8M | $177.6M | $197.8M | $214.9M | $227.7M | $294.3M |
| Despesas Operacionais | $191.4M | $200.4M | $222.1M | $241.3M | $257.7M | $286.0M | $309.9M | $332.5M | $347.2M | $379.8M |
| Lucro Operacional | $107.9M | $136.3M | $159.8M | $169.6M | $123.5M | $208.4M | $237.4M | $269.9M | $275.3M | $303.4M |
| EBITDA | $120.3M | $148.1M | $173.3M | $185.6M | $141.9M | $228.4M | $259.5M | $292.1M | $297.0M | $325.9M |
| Despesas com Juros | $14.7M | $20.9M | $42.7M | $54.7M | $20.4M | $11.4M | $46.1M | $199.5M | $277.3M | $309.9M |
| Lucro Antes de Impostos | $107.9M | $136.3M | $159.8M | $169.6M | $123.5M | $208.4M | $237.4M | $269.9M | $275.3M | $305.1M |
| Imposto | $37.3M | $49.9M | $33.9M | $34.7M | $23.9M | $40.8M | $44.3M | $57.5M | $58.9M | $64.5M |
| Lucro Líquido | $70.7M | $86.4M | $125.8M | $134.9M | $99.6M | $167.6M | $193.1M | $212.5M | $216.4M | $240.6M |
| LPA | $2.26 | $2.72 | $3.85 | $4.13 | $3.05 | $5.12 | $5.89 | $6.45 | $6.55 | $7.22 |
| LPA Diluído | $2.22 | $2.65 | $3.76 | $4.05 | $3.00 | $5.03 | $5.77 | $6.34 | $6.44 | $7.12 |
| Ações em Circulação (Diluídas) | $31.8M | $32.6M | $33.4M | $33.3M | $33.2M | $33.3M | $33.4M | $33.5M | $33.6M | $33.9M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $175.5M | $181.0M | $241.6M | $182.9M |
| Lucro Bruto | $171.3M | $181.0M | $176.9M | $178.0M |
| Lucro Operacional | $79.0M | $73.6M | $83.0M | $85.1M |
| EBITDA | $84.6M | $79.3M | $83.0M | $90.9M |
| Lucro Líquido | $62.7M | $59.5M | $63.0M | $66.7M |
| LPA | $1.88 | $1.78 | $1.88 | $1.98 |
| LPA Diluído | $1.85 | $1.75 | $1.85 | $1.96 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $1.85B | $1.76B | $1.42B | $1.87B | $1.62B | $2.05B | $3.17B | $2.40B | $3.55B | $227.0M |
| Investimentos de Curto Prazo | $465.5M | $462.0M | $770.7M | $489.7M | $552.2M | $531.5M | $1.54B | $1.55B | $329.9M | 0 |
| Contas a Receber | $139.4M | $150.4M | $167.8M | $202.9M | $220.6M | $234.0M | $301.6M | 0 | 0 | $41.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $2.46B | $2.37B | $2.36B | $2.56B | $2.39B | $2.82B | $5.01B | $3.95B | $3.88B | $268.8M |
| Imobilizado | $126.8M | $134.1M | $174.4M | $206.3M | $261.7M | $269.0M | $278.1M | $278.6M | $295.9M | $352.2M |
| Ágio | $54.0M | $54.0M | $79.7M | $148.6M | $149.9M | $149.9M | $182.1M | $182.3M | $182.3M | $182.7M |
| Ativos Intangíveis | $13.3M | $11.1M | $16.5M | $22.6M | $19.0M | $17.6M | $20.0M | $16.7M | $13.2M | $21.4M |
| Ativos Totais | $7.02B | $7.25B | $7.57B | $8.57B | $9.21B | $9.41B | $12.39B | $12.37B | $13.55B | $14.87B |
| Contas a Pagar | $27.3M | $29.6M | $37.5M | $49.2M | $51.9M | $56.0M | $76.5M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $500000 | $900000 | $1.7M | $1.1M | $1.1M | 0 | $300000 | $3.4M | 0 | $13.2M |
| Passivos Circulantes | $6.28B | $6.45B | $6.64B | $7.53B | $8.12B | $8.15B | $11.05B | $10.70B | $11.72B | $13.2M |
| Dívida de Longo Prazo | $32.0M | $32.0M | $26.8M | $26.8M | $26.8M | $86.0M | $86.0M | $86.1M | $86.2M | $98.2M |
| Passivos Totais | $6.31B | $6.48B | $6.67B | $7.56B | $8.14B | $8.23B | $11.14B | $10.94B | $11.93B | $13.02B |
| Reservas | $577.6M | $638.6M | $722.6M | $815.5M | $871.2M | $977.1M | $1.12B | $1.28B | $1.43B | $1.61B |
| Patrimônio Líquido | $711.1M | $775.6M | $902.8M | $1.00B | $1.07B | $1.17B | $1.25B | $1.43B | $1.62B | $1.85B |
| Dívida Total | $32.5M | $32.9M | $28.5M | $27.9M | $27.9M | $86.0M | $86.3M | $89.5M | $86.2M | $133.7M |
| Dívida Líquida | -$2.28B | -$2.19B | -$2.17B | -$2.33B | -$2.14B | -$2.50B | -$4.62B | -$3.86B | -$3.80B | -$93.3M |
| Capital de Giro | -$3.82B | -$4.08B | -$4.28B | -$4.97B | -$5.73B | -$5.33B | -$6.04B | -$6.75B | -$7.83B | $255.5M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $4.05B | $227.0M | $4.68B | $4.40B |
| Ativos Totais | $14.20B | $14.87B | $15.12B | $15.08B |
| Passivos Totais | $12.42B | $13.02B | $13.21B | $13.13B |
| Patrimônio Líquido | $1.78B | $1.85B | $1.90B | $1.96B |
| Dívida Total | $97.9M | $133.7M | $101.2M | $92.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $70.7M | $86.4M | $125.8M | $134.9M | $99.6M | $167.6M | $193.1M | $212.5M | $216.4M | $240.6M |
| Depreciação e Amortização | $12.4M | $11.8M | $13.5M | $16.0M | $18.4M | $20.0M | $22.0M | $22.2M | $21.7M | $22.5M |
| Compensação em Ações | $1.6M | $1.2M | $1.4M | $1.3M | $1.5M | $2.1M | $1.9M | $3.0M | $3.5M | $3.7M |
| Variação Capital de Giro | -$1.4M | -$2.9M | -$2.2M | $870000 | -$2.0M | $3.6M | -$13.7M | -$2.2M | $5.8M | $2.0M |
| Fluxo de Caixa Operacional | $90.5M | $109.7M | $140.0M | $159.0M | $154.9M | $203.9M | $226.3M | $233.0M | $261.2M | $285.3M |
| CapEx | -$10.8M | -$18.0M | -$51.9M | -$27.1M | -$66.4M | -$27.3M | -$19.8M | -$22.5M | -$36.7M | -$48.3M |
| Aquisições | 0 | 0 | $6.2M | $77.7M | $18.4M | $12.6M | $121.1M | $8.0M | 0 | $13.7M |
| Recompra de Ações | -$5.5M | 0 | -$7.9M | -$1.6M | -$3.1M | -$11.7M | 0 | -$1.8M | 0 | 0 |
| Dividendos Pagos | -$22.8M | -$24.8M | -$30.3M | -$39.8M | -$42.5M | -$45.1M | -$48.5M | -$53.6M | -$57.8M | -$62.2M |
| Fluxo de Caixa Livre | $79.7M | $91.7M | $88.1M | $131.9M | $88.4M | $176.7M | $206.5M | $210.5M | $224.5M | $237.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $75.4M | $54.8M | $75.8M | $83.1M |
| CapEx | -$11.7M | -$11.5M | -$10.8M | -$9.8M |
| Fluxo de Caixa Livre | $63.7M | $43.2M | $65.1M | $73.3M |
| Dividendos Pagos | -$15.3M | -$16.3M | -$16.4M | -$16.5M |
| Compensação em Ações | $1.1M | $960000 | $767000 | $843000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +12.4% | +17.0% | +10.6% | -2.0% | +7.0% | +21.4% | +34.1% | +12.3% | -9.3% |
| Crescimento Lucro Líquido (anual) | | +22.3% | +45.6% | +7.2% | -26.2% | +68.3% | +15.2% | +10.0% | +1.8% | +11.2% |
| Crescimento LPA (anual) | | +20.4% | +41.5% | +7.3% | -26.2% | +67.9% | +15.0% | +9.5% | +1.6% | +10.2% |
| Variação de Ações (anual) | | +2.3% | +2.6% | -0.3% | -0.4% | +0.3% | +0.4% | +0.2% | +0.4% | +0.9% |
| Crescimento FCF (anual) | | +15.1% | -3.9% | +49.6% | -33.0% | +99.8% | +16.9% | +2.0% | +6.7% | +5.5% |
| Margem Bruta | 91.9% | 92.0% | 89.1% | 86.7% | 82.1% | 99.5% | 90.7% | 74.4% | 68.5% | 82.9% |
| Margem Operacional | 33.2% | 37.2% | 37.3% | 35.8% | 26.6% | 41.9% | 39.3% | 33.4% | 30.3% | 36.8% |
| Margem EBITDA | 37.0% | 40.4% | 40.5% | 39.2% | 30.6% | 46.0% | 43.0% | 36.1% | 32.7% | 39.5% |
| Margem Líquida | 21.7% | 23.6% | 29.4% | 28.5% | 21.4% | 33.7% | 32.0% | 26.3% | 23.8% | 29.2% |
| Margem FCF | 24.5% | 25.1% | 20.6% | 27.8% | 19.0% | 35.5% | 34.2% | 26.0% | 24.7% | 28.7% |
| Taxa Efetiva de Imposto | 34.5% | 36.6% | 21.2% | 20.5% | 19.4% | 19.6% | 18.7% | 21.3% | 21.4% | 21.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.50 | $2.82 | $2.64 | $3.96 | $2.66 | $5.30 | $6.18 | $6.29 | $6.68 | $6.99 |
| Dividendo por Ação | $0.72 | $0.76 | $0.91 | $1.19 | $1.28 | $1.35 | $1.45 | $1.60 | $1.72 | $1.83 |
| Ações em Circulação (Básicas) | $31.2M | $31.8M | $32.7M | $32.6M | $32.7M | $32.7M | $32.8M | $32.9M | $33.1M | $33.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 13.44% |
| Retorno sobre capital investido | 11.21% |
| Retorno sobre ativos | 1.67% |
| Margem bruta | 90.55% |
| Margem operacional | 41.06% |
| Margem líquida | 32.25% |
Saúde financeira
| Dívida / Patrimônio | 0.05 |
| Liquidez corrente | 0.46 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 20.59 | 18.81 | 12.96 | 15.12 | 19.25 | 13.78 | 14.97 | 15.09 | 17.89 | 14.68 |
| P/VP | 2.04 | 2.10 | 1.81 | 2.03 | 1.80 | 1.97 | 2.31 | 2.23 | 2.39 | 1.91 |
| P/V | 4.46 | 4.44 | 3.81 | 4.30 | 4.13 | 4.64 | 4.79 | 3.96 | 4.26 | 4.30 |
| Margem Bruta | 91.9% | 92.0% | 89.1% | 86.7% | 82.1% | 99.5% | 90.7% | 74.4% | 68.5% | 82.9% |
| Margem Operacional | 33.2% | 37.2% | 37.3% | 35.8% | 26.6% | 41.9% | 39.3% | 33.4% | 30.3% | 36.8% |
| Margem Líquida | 21.7% | 23.6% | 29.4% | 28.5% | 21.4% | 33.7% | 32.0% | 26.3% | 23.8% | 29.2% |