$111.31

+0.00 (+0.00%)

Weekly Expected Move ±2.7%

$101 $104 $107 $110 $113

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 48 · $3.7B mcap · 23M float · 0.646% daily turnover · Short 46% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

58.6 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 14.1% · 5Y Avg: 16.5%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BANF has a Narrow competitive edge (58.6/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Network Effects. ROIC of 14.1% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 2Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-07-22	Piper Sandler	Nathan Race	Initiated	$95	—	-9.4%	$104.88

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BANF receives an overall rating of B+. Strongest factors: ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-11	B	B+
2026-05-04	B+	B
2026-04-21	C	B+
2026-04-17	B+	C
2026-04-16	A-	B+
2026-04-01	B+	A-
2026-03-03	A-	B+
2026-01-26	B+	A-
2026-01-13	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 55 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BANF scores highest in Earnings Quality (92/100) and lowest in Growth (40/100). An overall grade of A+ places BANF among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.00

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗

Beneish M-Score

-2.34

Unlikely Manipulator

Ohlson O-Score

-5.70

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

AA+

Score: 90.9/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.15x

Accruals: -0.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BANF scores 3.00, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BANF scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BANF's score of -2.34 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BANF's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BANF receives an estimated rating of AA+ (score: 90.9/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BANF's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

15.09x

PEG

1.42x

P/S

4.48x

P/B

1.96x

P/FCF

15.62x

P/OCF

12.99x

EV/EBITDA

10.83x

EV/Revenue

4.31x

EV/EBIT

11.63x

EV/FCF

15.22x

Earnings Yield

6.70%

FCF Yield

6.40%

Shareholder Yield

1.72%

Graham Number

$94.43

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 15.1x earnings, BANF trades at a reasonable valuation. An earnings yield of 6.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $94.43 per share, 18% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.788

NI / EBT

Interest Burden

1.015

EBT / EBIT

EBIT Margin

0.371

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

8.180

Assets / Equity

ROE

14.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BANF's ROE of 14.2% is driven by financial leverage (equity multiplier: 8.18x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

4.27%

Fair P/E

17.03x

Intrinsic Value

$123.87

Price/Value

0.88x

Margin of Safety

12.41%

Premium

-12.41%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BANF's realized 4.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $123.87, BANF appears undervalued with a 12% margin of safety. The adjusted fair P/E of 17.0x compares to the current market P/E of 15.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$111.31

Median 1Y

$117.05

5th Pctile

$63.16

95th Pctile

$217.16

Ann. Volatility

39.3%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David R. Harlow CEO	$—	$—	$36,250
Darryl W. Schmidt President and CEO of BancFirst	$—	$—	$36,250
Scott Copeland Executive Vice President and COO	$—	$—	$25,000
Hannah Andrus Executive Vice President and CFO	$—	$—	$15,000

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

Revenue / Employee

—

Rev: $824,326,000

Profit / Employee

—

NI: $240,610,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	14.2%	15.9%	15.0%	14.4%	14.1%	15.6%	15.9%	17.7%	18.6%	18.2%	15.8%	15.3%	15.0%	15.6%	14.2%	14.5%	15.3%	15.6%	13.8%	14.2%	14.24%
ROA	1.7%	1.9%	1.8%	1.7%	1.7%	1.9%	1.8%	2.0%	2.1%	2.0%	1.7%	1.7%	1.6%	1.7%	1.7%	1.7%	1.8%	1.8%	1.7%	1.7%	1.74%
ROIC	-13.7%	-15.4%	-12.7%	-12.2%	-11.9%	-13.2%	-5.7%	-6.4%	-6.7%	-6.5%	-8.8%	-8.5%	-8.3%	-8.6%	-9.9%	-10.2%	-10.7%	-10.9%	13.6%	14.1%	14.11%
ROCE	16.9%	19.0%	16.6%	15.9%	15.3%	16.9%	17.8%	20.1%	21.2%	20.9%	16.2%	15.6%	15.3%	15.8%	15.0%	15.4%	16.2%	16.4%	2.0%	2.1%	2.08%
Gross Margin	1.1%	96.3%	97.8%	95.1%	96.2%	90.2%	84.1%	80.0%	76.0%	71.6%	70.7%	67.9%	67.7%	68.0%	70.4%	70.6%	71.0%	97.6%	1.0%	73.2%	73.21%
Operating Margin	48.6%	39.3%	36.2%	35.8%	41.2%	41.8%	38.1%	38.5%	35.2%	31.9%	28.4%	29.7%	29.3%	31.3%	30.8%	30.7%	33.7%	45.0%	40.7%	34.4%	34.36%
Net Margin	37.2%	31.5%	30.6%	29.4%	33.3%	33.9%	31.1%	29.8%	27.7%	24.9%	23.0%	23.2%	22.8%	24.9%	24.2%	24.3%	26.4%	35.7%	32.9%	26.1%	26.08%
EBITDA Margin	52.4%	43.3%	40.5%	40.4%	45.3%	45.2%	41.1%	41.3%	38.0%	34.6%	31.0%	32.2%	31.7%	33.5%	33.2%	33.2%	36.1%	48.2%	43.8%	34.4%	34.36%
FCF Margin	32.9%	37.0%	35.9%	34.8%	32.5%	34.2%	34.2%	31.3%	29.0%	27.5%	26.0%	24.6%	28.6%	29.3%	24.7%	25.3%	21.8%	22.3%	28.7%	28.3%	28.33%
OCF Margin	43.5%	44.9%	41.3%	40.1%	37.2%	38.1%	37.5%	34.4%	31.9%	30.4%	28.8%	27.6%	31.6%	32.3%	28.7%	29.4%	26.6%	28.2%	34.6%	34.1%	34.05%
ROE 3Y Avg	snapshot only																				13.79%
ROE 5Y Avg	snapshot only																				14.45%
ROA 3Y Avg	snapshot only																				1.65%
ROIC 3Y Avg	snapshot only																				13.01%
ROIC Economic	snapshot only																				12.60%
Cash ROA	snapshot only																				1.91%
Cash ROIC	snapshot only																				16.14%
CROIC	snapshot only																				13.42%
NOPAT Margin	snapshot only																				29.77%
Pretax Margin	snapshot only																				37.64%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				37.85%
SBC / Revenue	snapshot only																				0.44%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	13.15	11.31	13.08	16.19	19.17	16.34	14.57	12.40	13.16	12.74	14.89	14.02	14.34	16.70	18.07	16.53	17.80	18.02	14.94	14.92	15.093
P/S Ratio	4.01	3.80	4.41	5.22	5.99	5.23	4.66	3.95	4.00	3.60	3.91	3.46	3.37	3.93	4.30	3.97	4.44	4.88	4.36	4.42	4.480
P/B Ratio	1.81	1.75	1.87	2.23	2.58	2.43	2.25	2.13	2.37	2.25	2.21	2.01	2.01	2.43	2.41	2.26	2.57	2.64	1.94	1.99	1.964
P/FCF	12.21	10.27	12.30	15.02	18.46	15.30	13.63	12.60	13.79	13.08	15.02	14.03	11.78	13.38	17.41	15.68	20.36	21.88	15.17	15.62	15.618
P/OCF	9.22	8.46	10.67	13.03	16.11	13.72	12.44	11.46	12.56	11.85	13.57	12.52	10.66	12.16	14.96	13.51	16.66	17.29	12.60	12.99	12.992
EV/EBITDA	-1.03	-1.22	-1.32	0.51	2.45	1.49	-6.96	-6.75	-5.45	-6.00	-2.39	-3.49	-3.54	-1.32	0.37	-0.42	1.14	1.50	10.74	10.83	10.835
EV/Revenue	-0.44	-0.57	-0.61	0.22	1.04	0.64	-2.99	-2.90	-2.25	-2.32	-0.86	-1.18	-1.14	-0.42	0.12	-0.14	0.39	0.55	4.25	4.31	4.312
EV/EBIT	-1.13	-1.34	-1.45	0.56	2.73	1.65	-7.61	-7.31	-5.87	-6.47	-2.59	-3.79	-3.84	-1.42	0.40	-0.45	1.23	1.61	11.54	11.63	11.627
EV/FCF	-1.32	-1.53	-1.70	0.65	3.20	1.88	-8.75	-9.27	-7.74	-8.42	-3.32	-4.80	-4.01	-1.44	0.50	-0.54	1.78	2.48	14.78	15.22	15.224
Earnings Yield	7.6%	8.8%	7.6%	6.2%	5.2%	6.1%	6.9%	8.1%	7.6%	7.9%	6.7%	7.1%	7.0%	6.0%	5.5%	6.1%	5.6%	5.5%	6.7%	6.7%	6.70%
FCF Yield	8.2%	9.7%	8.1%	6.7%	5.4%	6.5%	7.3%	7.9%	7.3%	7.6%	6.7%	7.1%	8.5%	7.5%	5.7%	6.4%	4.9%	4.6%	6.6%	6.4%	6.40%
PEG Ratio	snapshot only																				1.424
Price/Tangible Book	snapshot only																				2.238
EV/OCF	snapshot only																				12.664
EV/Gross Profit	snapshot only																				5.163
Acquirers Multiple	snapshot only																				11.413
Shareholder Yield	snapshot only																				1.72%
Graham Number	snapshot only																				$94.43

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.29	0.29	0.35	0.35	0.35	0.35	0.45	0.45	0.45	0.45	0.37	0.37	0.37	0.37	0.33	0.33	0.33	0.33	20.32	20.32	20.322
Quick Ratio	0.29	0.29	0.35	0.35	0.35	0.35	0.45	0.45	0.45	0.45	0.37	0.37	0.37	0.37	0.33	0.33	0.33	0.33	20.32	20.32	20.322
Debt/Equity	0.03	0.03	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.07	0.07	0.072
Net Debt/Equity	-2.01	-2.01	-2.13	-2.13	-2.13	-2.13	-3.69	-3.69	-3.69	-3.69	-2.69	-2.69	-2.69	-2.69	-2.34	-2.34	-2.34	-2.34	-0.05	-0.05	-0.050
Debt/Assets	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.009
Debt/EBITDA	0.14	0.12	0.38	0.39	0.40	0.37	0.33	0.30	0.28	0.29	0.31	0.32	0.32	0.31	0.29	0.28	0.27	0.27	0.41	0.40	0.402
Net Debt/EBITDA	-10.49	-9.43	-10.92	-11.30	-11.67	-10.65	-17.81	-15.93	-15.16	-15.31	-13.22	-13.70	-13.95	-13.53	-12.79	-12.49	-11.91	-11.72	-0.29	-0.28	-0.281
Interest Coverage	15.82	18.26	18.34	17.29	14.13	8.98	5.15	3.38	2.36	1.72	1.35	1.14	1.01	0.98	0.99	1.01	1.07	1.11	0.98	1.01	1.012
Equity Multiplier	8.63	8.63	8.03	8.03	8.03	8.03	9.90	9.90	9.90	9.90	8.63	8.63	8.63	8.63	8.36	8.36	8.36	8.36	8.02	8.02	8.023
Cash Ratio	snapshot only																				17.161
Debt Service Coverage	snapshot only																				1.086
Cash to Debt	snapshot only																				1.698
FCF to Debt	snapshot only																				1.768
Defensive Interval	snapshot only																				257.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.06	0.05	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.27	2.32	2.19	2.20	2.22	2.39	2.25	2.52	2.76	2.92	5.37	5.52	5.68	5.89	—	—	—	—	39.44	39.93	39.930
Payables Turnover	0.50	0.16	0.05	0.11	0.34	0.55	0.85	1.34	1.99	2.62	5.41	6.22	6.86	7.31	—	—	—	—	—	—	—
DSO	161	158	167	166	165	152	162	145	132	125	68	66	64	62	0	0	0	0	9	9	9.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	724	2335	7360	3389	1075	662	430	272	184	139	67	59	53	50	0	0	0	0	0	0	—
Cash Conversion Cycle	-563	-2178	-7193	-3222	-910	-509	-268	-127	-52	-14	1	7	11	12	0	0	0	0	9	9	—
Fixed Asset Turnover	snapshot only																				2.370
Cash Velocity	snapshot only																				3.677
Capital Intensity	snapshot only																				17.824

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	1.4%	4.1%	6.5%	7.3%	4.7%	11.0%	21.4%	35.1%	46.8%	43.5%	34.1%	23.4%	15.8%	13.7%	12.3%	10.9%	9.5%	-1.3%	-9.3%	-9.6%	-9.64%
Net Income	18.7%	49.2%	49.0%	34.8%	7.2%	5.7%	15.2%	33.3%	42.8%	26.7%	10.0%	-4.4%	-10.7%	-5.4%	1.8%	8.2%	16.4%	13.8%	11.2%	11.4%	11.42%
EPS	17.6%	48.7%	49.5%	35.1%	7.2%	4.8%	14.1%	32.8%	42.6%	26.7%	10.1%	-4.5%	-10.9%	-5.7%	1.0%	7.7%	15.5%	13.1%	10.7%	10.2%	10.24%
FCF	21.2%	62.4%	72.6%	38.6%	3.4%	2.5%	15.9%	21.7%	31.2%	15.6%	2.0%	-3.0%	13.9%	21.2%	6.7%	14.2%	-16.4%	-24.9%	5.5%	1.0%	0.97%
EBITDA	19.6%	48.0%	47.0%	33.0%	4.8%	3.3%	13.6%	31.3%	42.6%	28.8%	12.6%	-2.8%	-9.2%	-5.5%	1.7%	7.9%	15.1%	13.6%	9.8%	9.2%	9.23%
Op. Income	20.3%	53.1%	52.1%	35.6%	3.9%	2.2%	13.9%	34.1%	47.1%	31.7%	13.7%	-3.1%	-9.8%	-5.7%	2.0%	8.6%	16.3%	14.4%	10.2%	11.8%	11.75%
OCF Growth	snapshot only																				4.54%
Asset Growth	snapshot only																				9.74%
Equity Growth	snapshot only																				14.37%
Debt Growth	snapshot only																				55.17%
Shares Change	snapshot only																				1.07%
Dividend Growth	snapshot only																				7.59%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	8.2%	7.4%	6.3%	5.2%	4.6%	6.4%	9.2%	12.5%	15.9%	18.3%	20.1%	21.4%	21.2%	21.9%	22.3%	22.8%	23.0%	17.2%	10.9%	7.3%	7.35%
Revenue 5Y	9.0%	9.3%	9.0%	8.9%	8.6%	9.7%	11.4%	13.0%	14.2%	14.5%	14.3%	14.2%	14.2%	14.5%	14.4%	14.3%	14.6%	13.2%	12.0%	12.4%	12.40%
EPS 3Y	16.0%	17.8%	14.6%	8.7%	7.0%	9.5%	13.3%	16.7%	21.6%	25.5%	23.4%	19.6%	10.9%	7.8%	8.3%	10.9%	13.6%	10.6%	7.2%	4.3%	4.27%
EPS 5Y	15.9%	19.1%	18.9%	17.0%	15.0%	15.6%	17.0%	19.4%	19.0%	16.8%	13.6%	10.2%	9.3%	9.5%	10.1%	10.3%	13.1%	16.1%	16.0%	15.3%	15.25%
Net Income 3Y	16.1%	17.6%	14.2%	8.6%	7.2%	9.8%	13.5%	16.8%	22.0%	25.9%	23.6%	19.8%	11.0%	8.2%	8.9%	11.3%	14.1%	10.9%	7.6%	4.8%	4.85%
Net Income 5Y	17.2%	20.3%	19.9%	17.9%	15.7%	16.3%	17.7%	20.0%	19.1%	16.8%	13.5%	10.3%	9.4%	9.7%	10.4%	10.5%	13.6%	16.5%	16.4%	15.7%	15.68%
EBITDA 3Y	10.3%	12.7%	10.7%	8.4%	6.3%	8.7%	12.1%	16.1%	21.4%	25.3%	23.4%	19.3%	10.7%	7.9%	9.1%	11.2%	14.2%	11.4%	7.9%	4.6%	4.62%
EBITDA 5Y	12.4%	15.1%	14.7%	12.9%	10.8%	11.6%	13.1%	14.4%	14.9%	13.8%	11.7%	10.2%	9.2%	9.3%	10.0%	10.4%	13.3%	16.1%	16.0%	14.9%	14.87%
Gross Profit 3Y	9.5%	10.4%	9.9%	8.9%	7.9%	9.4%	11.0%	12.6%	14.6%	15.4%	14.7%	13.3%	9.2%	8.0%	8.0%	9.0%	10.6%	9.0%	7.7%	6.0%	5.97%
Gross Profit 5Y	9.5%	10.8%	10.9%	10.5%	9.3%	10.0%	10.9%	11.7%	11.9%	11.1%	10.1%	9.3%	9.0%	9.2%	9.2%	9.2%	10.2%	11.0%	11.3%	11.3%	11.27%
Op. Income 3Y	9.7%	12.4%	10.2%	7.8%	5.5%	8.2%	12.0%	16.5%	22.5%	27.3%	25.4%	20.8%	11.3%	8.3%	9.7%	12.2%	15.6%	12.4%	8.5%	5.6%	5.56%
Op. Income 5Y	12.7%	15.8%	15.2%	13.1%	10.6%	11.5%	13.1%	14.5%	15.1%	13.8%	11.6%	10.2%	9.3%	9.5%	10.3%	10.7%	14.0%	17.3%	17.2%	16.4%	16.42%
FCF 3Y	27.0%	30.7%	29.3%	26.6%	19.4%	21.9%	20.9%	17.0%	18.1%	24.4%	26.8%	17.8%	15.6%	12.8%	8.0%	10.5%	7.7%	1.7%	4.7%	3.8%	3.81%
FCF 5Y	16.5%	18.3%	17.2%	16.8%	14.6%	15.7%	20.3%	19.6%	22.7%	21.5%	20.6%	19.1%	20.5%	20.5%	14.0%	12.2%	9.4%	11.9%	18.1%	13.5%	13.54%
OCF 3Y	28.4%	26.3%	15.5%	13.4%	8.3%	11.2%	16.2%	13.5%	11.6%	13.4%	12.1%	6.9%	8.9%	9.2%	8.3%	10.8%	10.0%	6.1%	8.0%	7.0%	6.97%
OCF 5Y	20.1%	19.7%	17.9%	17.2%	14.8%	15.3%	18.6%	17.3%	18.9%	16.8%	11.8%	10.9%	12.9%	13.7%	12.6%	11.3%	8.0%	8.7%	11.5%	8.6%	8.60%
Assets 3Y	8.3%	8.3%	9.0%	7.5%	7.5%	7.5%	17.8%	13.1%	13.1%	13.1%	10.3%	10.3%	10.3%	10.3%	13.0%	13.0%	13.0%	13.0%	6.3%	6.3%	6.29%
Assets 5Y	6.6%	6.6%	7.0%	6.0%	6.0%	6.0%	12.0%	11.3%	11.3%	11.3%	11.3%	10.3%	10.3%	10.3%	12.3%	9.6%	9.6%	9.6%	10.1%	10.1%	10.06%
Equity 3Y	11.2%	11.2%	14.7%	9.1%	9.1%	9.1%	11.5%	7.6%	7.6%	7.6%	10.3%	10.3%	10.3%	10.3%	11.4%	11.4%	11.4%	11.4%	14.0%	14.0%	14.02%
Book Value 3Y	11.1%	11.5%	15.1%	9.2%	8.9%	8.8%	11.3%	7.5%	7.1%	7.2%	10.1%	10.2%	10.2%	9.9%	10.8%	11.0%	11.0%	11.1%	13.6%	13.4%	13.39%
Dividend 3Y	2.6%	2.9%	2.4%	2.1%	1.8%	1.6%	2.2%	2.8%	3.0%	3.4%	3.2%	3.0%	2.7%	2.1%	1.9%	2.2%	2.2%	2.2%	2.1%	1.9%	1.90%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.96	0.97	0.94	0.90	0.91	0.96	0.91	0.80	0.74	0.76	0.79	0.80	0.79	0.82	0.86	0.89	0.89	0.88	0.83	0.83	0.831
Earnings Stability	0.94	0.85	0.84	0.83	0.94	0.86	0.84	0.80	0.85	0.86	0.86	0.77	0.79	0.83	0.87	0.83	0.86	0.89	0.90	0.87	0.873
Margin Stability	0.96	0.94	0.94	0.95	0.95	0.94	0.94	0.94	0.93	0.91	0.90	0.89	0.87	0.86	0.85	0.85	0.86	0.88	0.89	0.89	0.889
Rev. Growth Consistency	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.93	0.80	0.80	0.86	0.97	0.98	0.94	0.87	0.83	0.89	0.96	0.98	0.96	0.98	0.99	0.97	0.93	0.94	0.96	0.95	0.954
Earnings Smoothness	0.83	0.61	0.61	0.70	0.93	0.94	0.86	0.71	0.65	0.76	0.90	0.95	0.89	0.94	0.98	0.92	0.85	0.87	0.89	0.89	0.892
ROE Trend	0.01	0.03	0.02	0.01	0.00	0.02	0.03	0.05	0.04	0.02	-0.00	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.01	-0.01	-0.007
Gross Margin Trend	0.08	0.13	0.14	0.12	0.06	0.03	-0.02	-0.07	-0.13	-0.19	-0.21	-0.21	-0.20	-0.18	-0.14	-0.10	-0.06	0.03	0.11	0.13	0.132
FCF Margin Trend	0.08	0.14	0.12	0.07	0.02	0.04	0.05	0.00	-0.04	-0.08	-0.09	-0.08	-0.02	-0.02	-0.05	-0.03	-0.07	-0.06	0.03	0.03	0.033
Sustainable Growth Rate	10.0%	11.6%	10.9%	10.3%	9.9%	11.3%	11.9%	13.6%	14.3%	13.9%	11.8%	11.2%	10.8%	11.3%	10.4%	10.7%	11.4%	11.6%	10.3%	10.6%	10.60%
Internal Growth Rate	1.2%	1.4%	1.3%	1.3%	1.2%	1.4%	1.3%	1.5%	1.6%	1.6%	1.3%	1.2%	1.2%	1.2%	1.2%	1.3%	1.4%	1.4%	1.3%	1.3%	1.31%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.43	1.34	1.23	1.24	1.19	1.19	1.17	1.08	1.05	1.08	1.10	1.12	1.35	1.37	1.21	1.22	1.07	1.04	1.19	1.15	1.148
FCF/OCF	0.75	0.82	0.87	0.87	0.87	0.90	0.91	0.91	0.91	0.91	0.90	0.89	0.90	0.91	0.86	0.86	0.82	0.79	0.83	0.83	0.832
FCF/Net Income	snapshot only																				0.955
OCF/EBITDA	snapshot only																				0.856
CapEx/Revenue	10.7%	7.9%	5.5%	5.3%	4.7%	4.0%	3.3%	3.1%	2.8%	2.9%	2.8%	3.0%	3.0%	3.0%	4.0%	4.1%	4.8%	5.9%	5.9%	5.7%	5.73%
CapEx/Depreciation	snapshot only																				2.111
Accruals Ratio	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.568
Cash Flow Adequacy	snapshot only																				2.557
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.3%	2.4%	2.1%	1.8%	1.5%	1.7%	1.7%	1.9%	1.7%	1.9%	1.7%	1.9%	1.9%	1.6%	1.5%	1.6%	1.4%	1.4%	1.7%	1.7%	1.73%
Dividend/Share	$1.31	$1.34	$1.36	$1.37	$1.39	$1.40	$1.45	$1.49	$1.53	$1.57	$1.60	$1.63	$1.66	$1.68	$1.71	$1.75	$1.78	$1.80	$1.83	$1.86	$1.93
Payout Ratio	29.8%	27.0%	26.9%	28.4%	29.4%	27.0%	25.1%	23.2%	22.8%	23.9%	25.2%	26.6%	27.7%	27.1%	26.7%	26.5%	25.7%	25.7%	25.9%	25.6%	25.60%
FCF Payout Ratio	27.7%	24.5%	25.3%	26.4%	28.4%	25.3%	23.5%	23.6%	23.9%	24.5%	25.5%	26.7%	22.8%	21.8%	25.7%	25.2%	29.4%	31.2%	26.3%	26.8%	26.80%
Total Payout Ratio	29.8%	34.1%	33.9%	35.7%	36.9%	27.0%	25.1%	23.2%	22.8%	24.7%	26.1%	27.5%	28.6%	27.1%	26.7%	26.5%	25.7%	25.7%	25.9%	25.6%	25.60%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.11	0.11	0.08	0.08	0.07	0.07	0.09	0.11	0.12	0.14	0.12	0.11	0.11	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.093
Buyback Yield	0.0%	0.6%	0.5%	0.4%	0.4%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-0.2%	0.5%	0.4%	0.3%	0.2%	-0.3%	-0.3%	-0.2%	-0.2%	-0.0%	-0.0%	-0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	-0.1%	-0.1%	-0.1%	-0.09%
Total Shareholder Return	2.1%	2.9%	2.5%	2.0%	1.8%	1.4%	1.5%	1.7%	1.6%	1.8%	1.7%	1.9%	2.0%	1.6%	1.5%	1.6%	1.4%	1.4%	1.7%	1.6%	1.62%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.79	0.79	0.80	0.81	0.82	0.82	0.81	0.80	0.80	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.788
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.01	1.01	1.015
EBIT Margin	0.38	0.42	0.42	0.40	0.38	0.39	0.39	0.40	0.38	0.36	0.33	0.31	0.30	0.30	0.30	0.31	0.32	0.34	0.37	0.37	0.371
Asset Turnover	0.05	0.06	0.05	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.059
Equity Multiplier	8.58	8.58	8.31	8.31	8.31	8.31	9.00	9.00	9.00	9.00	9.22	9.22	9.22	9.22	8.49	8.49	8.49	8.49	8.18	8.18	8.180

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$4.40	$4.95	$5.05	$4.83	$4.71	$5.19	$5.76	$6.42	$6.72	$6.58	$6.35	$6.12	$5.99	$6.21	$6.41	$6.60	$6.92	$7.02	$7.10	$7.27	$7.27
Book Value/Share	$31.97	$32.10	$35.31	$35.17	$35.06	$34.94	$37.33	$37.38	$37.38	$37.29	$42.82	$42.79	$42.77	$42.62	$48.03	$48.15	$47.97	$47.87	$54.68	$54.49	$56.68
Tangible Book/Share	$26.91	$27.02	$30.27	$30.14	$30.05	$29.94	$31.30	$31.34	$31.34	$31.27	$36.88	$36.85	$36.84	$36.70	$42.24	$42.35	$42.19	$42.10	$48.66	$48.49	$48.49
Revenue/Share	$14.40	$14.74	$14.98	$14.99	$15.08	$16.23	$18.01	$20.16	$22.09	$23.28	$24.17	$24.84	$25.54	$26.39	$26.92	$27.43	$27.74	$25.89	$24.31	$24.52	$24.87
FCF/Share	$4.73	$5.45	$5.37	$5.21	$4.89	$5.54	$6.16	$6.31	$6.41	$6.41	$6.29	$6.12	$7.30	$7.74	$6.65	$6.95	$6.05	$5.78	$6.99	$6.95	$7.04
OCF/Share	$6.27	$6.63	$6.19	$6.00	$5.61	$6.19	$6.75	$6.94	$7.04	$7.07	$6.96	$6.86	$8.06	$8.52	$7.74	$8.07	$7.39	$7.31	$8.41	$8.35	$8.47
Cash/Share	$64.93	$65.20	$77.80	$77.49	$77.25	$76.98	$140.49	$140.67	$140.65	$140.35	$118.01	$117.91	$117.86	$117.44	$115.07	$115.36	$114.92	$114.68	$6.69	$6.67	$166.02
EBITDA/Share	$6.11	$6.82	$6.88	$6.63	$6.40	$6.99	$7.74	$8.67	$9.11	$9.00	$8.72	$8.41	$8.26	$8.48	$8.80	$9.03	$9.43	$9.57	$9.61	$9.76	$9.76
Debt/Share	$0.84	$0.84	$2.59	$2.58	$2.57	$2.56	$2.58	$2.58	$2.58	$2.57	$2.67	$2.67	$2.67	$2.66	$2.55	$2.56	$2.55	$2.54	$3.94	$3.93	$3.93
Net Debt/Share	$-64.10	$-64.36	$-75.21	$-74.91	$-74.68	$-74.41	$-137.92	$-138.09	$-138.07	$-137.77	$-115.34	$-115.24	$-115.20	$-114.78	$-112.52	$-112.80	$-112.37	$-112.14	$-2.75	$-2.74	$-2.74

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.995
Altman Z-Prime	snapshot only																				0.903
Piotroski F-Score	6	7	9	8	7	7	6	7	7	7	6	4	4	4	5	7	7	6	7	7	7
Beneish M-Score	-2.50	-2.46	-2.49	-2.46	-2.41	-2.34	-2.04	-1.97	-1.97	-2.05	-3.09	-3.13	-3.19	-3.19	-2.35	-2.41	-2.40	-2.95	-2.88	-2.34	-2.340
Ohlson O-Score	snapshot only																				-5.703
ROIC (Greenblatt)	snapshot only																				50.93%
Net-Net WC	snapshot only																				$-374.75
EVA	snapshot only																				$72357347.55

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	92.06	93.51	96.73	96.79	96.78	98.04	97.13	97.18	97.12	97.05	97.15	97.12	95.67	96.99	95.70	95.80	97.07	96.94	86.24	90.88	90.883
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				-4.914
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				94
Sector Credit Rank	snapshot only																				87

BANF NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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