$26.40

+0.09 (+0.34%)

Weekly Expected Move ±5.5%

$23 $25 $26 $28 $29

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 47 · $3.6B mcap · Short 71% of daily vol

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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.

WEAK EDGE

53.7 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -7.3%

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. BANFP shows a Weak competitive edge (53.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. Negative ROIC of -7.3% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

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.

Oct 02, 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. BANFP receives an overall rating of A. Strongest factors: DCF (5/5), ROA (4/5), P/E (4/5), P/B (5/5). Areas of concern: ROE (2/5), D/E (2/5).

Rating Change History

Date	From	To
2026-08-11	B+	A
2026-07-25	A-	B+
2026-07-23	B	A-
2026-05-26	None	ADDED
2026-05-26	EXISTED	None
2026-05-11	C+	B
2026-04-21	C	C+
2026-04-17	A+	C
2026-04-07	None	ADDED
2026-04-07	EXISTED	None

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.

★ ★ ★ ★ ★ 56 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. BANFP scores highest in Safety (100/100) and lowest in Growth (31/100). An overall grade of A+ places BANFP 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

4.62

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗

Beneish M-Score

-2.94

Unlikely Manipulator

Ohlson O-Score

-4.89

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

AAA

Score: 96.6/100

Trend: Stable

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. BANFP scores 4.62, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. BANFP 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. BANFP's score of -2.94 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. BANFP's implied 0.7% 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. BANFP receives an estimated rating of AAA (score: 96.6/100), with a stable 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). BANFP'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

14.37x

PEG

2.11x

P/S

4.65x

P/B

1.85x

P/FCF

3.69x

P/OCF

3.13x

EV/EBITDA

-13.38x

EV/Revenue

-5.79x

EV/EBIT

-14.36x

EV/FCF

-18.43x

Earnings Yield

27.82%

FCF Yield

27.10%

Shareholder Yield

7.13%

Graham Number

$97.83

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 14.4x earnings, BANFP trades at a reasonable valuation. An earnings yield of 27.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $97.83 per share, suggesting a potential 271% margin of safety at 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

0.403

EBIT / Rev

Asset Turnover

0.054

Rev / Assets

Equity Multiplier

7.904

Assets / Equity

ROE

13.7%

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. BANFP's ROE of 13.7% is driven by financial leverage (equity multiplier: 7.90x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

3.24%

Fair P/E

14.98x

Intrinsic Value

$110.79

Price/Value

0.24x

Margin of Safety

76.00%

Premium

-76.00%

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 BANFP's realized 3.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. At an intrinsic value of $110.79, BANFP appears undervalued with a 76% margin of safety. The adjusted fair P/E of 15.0x compares to the current market P/E of 14.4x.

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

$26.40

Median 1Y

$27.11

5th Pctile

$18.67

95th Pctile

$39.36

Ann. Volatility

22.2%

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
Dennis L. Brand President and CEO-BancFirst	$350,000	$—	$440,737
David E. Rainbolt President and CEO	$350,000	$—	$435,671
David Harlow Regional Executive	$243,800	$—	$338,151
Joe T. Shockley, Jr. Executive Vice President and CFO	$180,000	$—	$229,090

CEO Pay Ratio

3:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $440,737

Avg Employee Cost (SGA/emp): $130,238

Employees: 2,260

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

2,260

+5.8% YoY

Revenue / Employee

$364,746

Rev: $824,326,000

Profit / Employee

$106,465

NI: $240,610,000

SGA / Employee

$130,238

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	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	Q2'26	Current
ROE	15.0%	15.0%	14.2%	13.6%	14.9%	15.9%	17.3%	17.8%	17.2%	15.8%	14.8%	14.1%	14.1%	14.2%	14.1%	14.4%	14.1%	13.8%	13.8%	13.7%	13.67%
ROA	1.6%	1.8%	1.4%	1.3%	1.5%	1.8%	1.7%	1.8%	1.8%	1.7%	1.6%	1.6%	1.6%	1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	1.73%
ROIC	-4.8%	-12.7%	-4.0%	-4.1%	-4.9%	-5.7%	-7.5%	-8.8%	-9.2%	-8.8%	-8.2%	-8.6%	-7.8%	-9.9%	-8.7%	-9.3%	-9.4%	13.6%	-7.0%	-7.3%	-7.29%
ROCE	16.8%	16.6%	15.9%	15.1%	16.6%	17.8%	19.2%	19.8%	19.2%	16.2%	15.4%	14.8%	14.4%	15.0%	14.8%	15.0%	14.6%	2.0%	14.1%	14.0%	13.99%
Gross Margin	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%	97.3%	97.33%
Operating Margin	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%	46.5%	46.51%
Net Margin	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%	36.5%	36.46%
EBITDA Margin	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%	49.7%	49.68%
FCF Margin	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%	31.4%	31.41%
OCF Margin	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%	37.0%	37.02%
ROE 3Y Avg	snapshot only																				13.23%
ROE 5Y Avg	snapshot only																				13.95%
ROA 3Y Avg	snapshot only																				1.64%
ROIC Economic	snapshot only																				12.43%
Cash ROA	snapshot only																				1.92%
NOPAT Margin	snapshot only																				32.37%
Pretax Margin	snapshot only																				40.91%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				41.40%
SBC / Revenue	snapshot only																				0.46%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	4.15	4.37	4.53	5.02	4.24	4.09	3.47	3.43	3.44	3.62	3.80	3.88	3.85	3.79	3.79	3.70	3.71	3.73	3.62	3.59	14.372
P/S Ratio	1.40	1.47	1.46	1.57	1.36	1.31	1.11	1.05	0.97	0.95	0.94	0.91	0.91	0.90	0.91	0.92	1.01	1.09	1.07	1.16	4.648
P/B Ratio	0.60	0.62	0.62	0.67	0.62	0.63	0.57	0.58	0.55	0.54	0.53	0.52	0.51	0.51	0.50	0.50	0.49	0.48	0.47	0.46	1.854
P/FCF	3.77	4.11	4.20	4.83	3.97	3.82	3.53	3.60	3.54	3.65	3.80	3.19	3.09	3.65	3.59	4.23	4.51	3.79	3.79	3.69	3.690
P/OCF	3.10	3.56	3.65	4.22	3.56	3.49	3.21	3.28	3.20	3.30	3.39	2.88	2.80	3.14	3.09	3.46	3.56	3.15	3.15	3.13	3.131
EV/EBITDA	-17.02	-7.72	-20.29	-19.64	-17.17	-14.77	-11.78	-10.22	-9.98	-10.59	-11.29	-11.07	-12.17	-10.03	-11.12	-10.59	-10.59	2.47	-13.77	-13.38	-13.384
EV/Revenue	-7.88	-3.55	-8.98	-8.34	-7.39	-6.35	-5.06	-4.21	-3.86	-3.82	-3.82	-3.58	-3.91	-3.28	-3.66	-3.60	-3.91	0.98	-5.48	-5.79	-5.788
EV/EBIT	-18.60	-8.46	-22.42	-21.84	-18.95	-16.14	-12.75	-11.02	-10.77	-11.46	-12.25	-12.01	-13.17	-10.82	-11.99	-11.38	-11.37	2.65	-14.78	-14.36	-14.357
EV/FCF	-21.30	-9.89	-25.81	-25.68	-21.64	-18.56	-16.17	-14.51	-14.01	-14.69	-15.52	-12.53	-13.33	-13.26	-14.45	-16.53	-17.53	3.39	-19.35	-18.43	-18.429
Earnings Yield	24.1%	22.9%	22.1%	19.9%	23.6%	24.5%	28.8%	29.1%	29.0%	27.6%	26.3%	25.8%	26.0%	26.4%	26.4%	27.1%	26.9%	26.8%	27.6%	27.8%	27.82%
FCF Yield	26.5%	24.3%	23.8%	20.7%	25.2%	26.2%	28.3%	27.8%	28.3%	27.4%	26.3%	31.4%	32.4%	27.4%	27.8%	23.6%	22.2%	26.4%	26.4%	27.1%	27.10%
PEG Ratio	snapshot only																				2.108
Price/Tangible Book	snapshot only																				0.516
EV/OCF	snapshot only																				-15.635
EV/Gross Profit	snapshot only																				-6.393
Acquirers Multiple	snapshot only																				-14.097
Shareholder Yield	snapshot only																				7.13%
Graham Number	snapshot only																				$97.83

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	0.48	0.35	0.50	0.49	0.46	0.45	0.44	0.40	0.39	0.37	0.37	0.36	0.38	0.33	0.36	0.36	0.36	20.32	0.47	0.46	0.463
Quick Ratio	0.48	0.35	0.50	0.49	0.46	0.45	0.44	0.40	0.39	0.37	0.37	0.36	0.38	0.33	0.36	0.36	0.36	20.32	0.47	0.46	0.463
Debt/Equity	0.08	0.07	0.08	0.08	0.08	0.07	0.22	0.07	0.07	0.06	0.07	0.06	0.06	0.05	0.05	0.05	0.05	0.07	0.05	0.05	0.047
Net Debt/Equity	-3.97	-2.13	-4.46	-4.21	-3.98	-3.69	-3.18	-2.90	-2.75	-2.69	-2.70	-2.54	-2.70	-2.34	-2.52	-2.45	-2.42	-0.05	-2.88	-2.77	-2.772
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.02	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	0.006
Debt/EBITDA	0.39	0.38	0.40	0.43	0.39	0.33	1.00	0.30	0.30	0.31	0.34	0.33	0.32	0.29	0.28	0.29	0.30	0.41	0.30	0.27	0.273
Net Debt/EBITDA	-20.04	-10.92	-23.59	-23.34	-20.32	-17.81	-14.35	-12.75	-12.49	-13.22	-14.06	-13.88	-14.99	-12.79	-13.89	-13.31	-13.31	-0.29	-16.47	-16.06	-16.064
Interest Coverage	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	1.04	1.045
Equity Multiplier	9.86	8.03	10.81	10.57	10.42	9.90	9.41	8.97	8.84	8.63	8.58	8.42	8.40	8.36	8.39	8.13	7.96	8.02	7.95	7.71	7.706
Cash Ratio	snapshot only																				0.430
Debt Service Coverage	snapshot only																				1.121
Cash to Debt	snapshot only																				59.819
FCF to Debt	snapshot only																				2.659
Defensive Interval	snapshot only																				5610.2 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.05	0.06	0.05	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.05	0.054
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.20	2.19	1.69	1.69	1.92	2.25	1.92	2.14	2.31	5.37	5.09	5.63	5.15	—	—	—	—	39.44	3.55	3.73	3.725
Payables Turnover	0.12	0.05	0.07	0.21	0.33	0.85	0.75	1.17	1.53	5.41	3.91	4.58	4.67	—	—	—	—	—	—	—	—
DSO	166	167	216	216	190	162	190	170	158	68	72	65	71	0	0	0	0	9	103	98	98.0 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	2922	7360	5295	1753	1117	430	489	311	239	67	93	80	78	0	0	0	0	0	0	0	—
Cash Conversion Cycle	-2757	-7193	-5079	-1537	-928	-268	-299	-141	-81	1	-22	-15	-7	0	0	0	0	9	103	98	—
Fixed Asset Turnover	snapshot only																				2.334
Cash Velocity	snapshot only																				0.142
Capital Intensity	snapshot only																				19.312

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	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%	-16.7%	-16.71%
Net Income	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%	7.7%	7.70%
EPS	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%	6.9%	6.92%
FCF	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%	20.0%	20.02%
EBITDA	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%	5.9%	5.94%
Op. Income	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%	8.1%	8.08%
OCF Growth	snapshot only																				15.75%
Asset Growth	snapshot only																				7.38%
Equity Growth	snapshot only																				13.26%
Debt Growth	snapshot only																				0.21%
Shares Change	snapshot only																				0.73%
Dividend Growth	snapshot only																				6.75%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	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%	1.8%	1.84%
Revenue 5Y	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%	10.2%	10.17%
EPS 3Y	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%	3.2%	3.24%
EPS 5Y	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%	11.0%	10.96%
Net Income 3Y	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%	3.8%	3.82%
Net Income 5Y	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%	11.4%	11.37%
EBITDA 3Y	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%	3.5%	3.47%
EBITDA 5Y	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%	10.6%	10.60%
Gross Profit 3Y	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%	5.2%	5.17%
Gross Profit 5Y	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%	9.2%	9.18%
Op. Income 3Y	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%	4.3%	4.28%
Op. Income 5Y	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%	11.6%	11.62%
FCF 3Y	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%	4.5%	4.54%
FCF 5Y	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%	9.2%	9.17%
OCF 3Y	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%	7.1%	7.06%
OCF 5Y	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%	6.7%	6.65%
Assets 3Y	14.0%	7.4%	18.6%	17.6%	17.7%	13.9%	12.9%	7.7%	8.0%	10.3%	6.1%	5.0%	5.6%	13.0%	3.6%	3.9%	4.5%	6.3%	7.0%	7.9%	7.86%
Assets 5Y	11.1%	6.8%	12.5%	11.8%	12.1%	11.7%	11.2%	9.6%	9.7%	10.2%	10.7%	10.6%	11.7%	10.1%	10.4%	7.9%	8.1%	10.1%	7.5%	6.5%	6.49%
Equity 3Y	10.0%	9.8%	9.0%	8.5%	7.7%	8.5%	9.3%	9.0%	9.5%	10.3%	10.3%	10.2%	11.4%	11.4%	12.7%	13.4%	14.3%	14.0%	13.2%	13.4%	13.44%
Book Value 3Y	10.2%	10.2%	9.1%	8.4%	7.5%	8.3%	9.2%	8.6%	9.1%	10.1%	10.2%	10.0%	11.0%	10.8%	12.3%	13.0%	13.9%	13.6%	12.6%	12.8%	12.80%
Dividend 3Y	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%	1.9%	1.87%

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	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	0.65	0.655
Earnings Stability	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	0.84	0.841
Margin Stability	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	0.86	0.858
Rev. Growth Consistency	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	0.00	0.000
Earn. Growth Consistency	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	1.00	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	0.80	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	0.97	0.969
Earnings Smoothness	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	0.93	0.926
ROE Trend	0.02	0.02	0.02	0.01	0.02	0.03	0.04	0.04	0.02	-0.00	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.01	-0.01	-0.01	-0.005
Gross Margin Trend	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	0.21	0.209
FCF Margin Trend	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	0.06	0.062
Sustainable Growth Rate	11.0%	10.9%	10.2%	9.6%	10.9%	11.9%	13.3%	13.8%	13.1%	11.8%	10.8%	10.2%	10.3%	10.4%	10.4%	10.7%	10.5%	10.3%	10.3%	10.2%	10.17%
Internal Growth Rate	1.2%	1.3%	1.0%	1.0%	1.1%	1.3%	1.3%	1.4%	1.4%	1.3%	1.2%	1.2%	1.2%	1.2%	1.2%	1.3%	1.3%	1.3%	1.3%	1.3%	1.30%

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	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	1.15	1.148
FCF/OCF	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	0.85	0.848
FCF/Net Income	snapshot only																				0.974
OCF/EBITDA	snapshot only																				0.856
CapEx/Revenue	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%	5.6%	5.61%
CapEx/Depreciation	snapshot only																				1.917
Accruals Ratio	-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	-0.00	-0.003
Sloan Accruals	snapshot only																				0.056
Cash Flow Adequacy	snapshot only																				2.668
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q2'26	Current
Dividend Yield	6.5%	6.2%	6.3%	5.9%	6.4%	6.1%	6.7%	6.6%	6.9%	7.0%	7.0%	7.1%	7.0%	7.1%	7.0%	6.9%	6.9%	6.9%	7.1%	7.1%	1.84%
Dividend/Share	$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	$1.90	$1.99
Payout Ratio	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%	25.6%	25.62%
FCF Payout Ratio	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%	26.3%	26.31%
Total Payout Ratio	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%	25.6%	25.62%
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	0.15	0.12	0.12	0.12	0.12	0.13	0.16	0.17	0.19	0.18	0.17	0.16	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.147
Buyback Yield	1.7%	1.6%	1.6%	1.5%	0.0%	0.0%	0.0%	0.0%	0.2%	0.2%	0.2%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	1.3%	1.3%	1.0%	0.8%	-1.0%	-1.0%	-0.7%	-0.6%	-0.1%	-0.1%	-0.0%	0.2%	-0.1%	0.0%	0.0%	0.0%	-0.3%	-0.3%	-0.4%	-0.4%	-0.42%
Total Shareholder Return	7.8%	7.5%	7.3%	6.7%	5.4%	5.2%	6.0%	6.0%	6.8%	6.9%	7.0%	7.3%	7.0%	7.1%	7.0%	6.9%	6.6%	6.6%	6.7%	6.7%	6.71%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	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	0.79	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	1.01	1.01	1.01	1.015
EBIT Margin	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	0.40	0.403
Asset Turnover	0.05	0.05	0.04	0.04	0.05	0.06	0.05	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.05	0.054
Equity Multiplier	9.55	8.31	10.24	10.16	10.14	9.00	10.07	9.72	9.58	9.22	8.97	8.68	8.60	8.49	8.48	8.27	8.17	8.18	8.16	7.90	7.904

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$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	$7.40	$7.40
Book Value/Share	$34.47	$35.31	$35.05	$35.48	$35.64	$37.33	$39.17	$40.06	$40.87	$42.82	$43.84	$45.12	$47.09	$48.03	$49.69	$51.13	$52.65	$54.68	$55.89	$57.49	$58.29
Tangible Book/Share	$29.42	$30.27	$28.99	$29.33	$29.59	$31.30	$33.16	$34.08	$34.91	$36.88	$37.93	$39.23	$41.26	$42.24	$43.91	$45.40	$46.95	$48.66	$49.90	$51.54	$51.54
Revenue/Share	$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	$22.94	$23.26
FCF/Share	$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	$7.21	$7.31
OCF/Share	$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	$8.49	$8.61
Cash/Share	$139.39	$77.80	$159.09	$152.10	$144.69	$140.49	$133.05	$118.88	$115.12	$118.01	$121.11	$117.34	$129.82	$115.07	$128.01	$128.24	$130.25	$6.69	$163.72	$162.10	$164.36
EBITDA/Share	$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	$9.92	$9.92
Debt/Share	$2.69	$2.59	$2.68	$2.76	$2.70	$2.58	$8.65	$2.69	$2.69	$2.67	$2.86	$2.70	$2.69	$2.55	$2.56	$2.72	$2.89	$3.94	$2.97	$2.71	$2.71
Net Debt/Share	$-136.70	$-75.21	$-156.41	$-149.34	$-141.99	$-137.92	$-124.40	$-116.19	$-112.43	$-115.34	$-118.25	$-114.64	$-127.13	$-112.52	$-125.45	$-125.51	$-127.36	$-2.75	$-160.75	$-159.39	$-159.39

Academic Models

Metric	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	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.620
Altman Z-Prime	snapshot only																				-2.413
Piotroski F-Score	6	8	6	6	6	6	5	5	5	6	5	5	5	5	7	8	5	6	6	7	7
Beneish M-Score	-2.51	-2.49	-1.83	-1.69	-2.05	-2.04	-2.19	-2.26	-2.21	-3.09	-3.14	-3.19	-3.21	-2.35	-2.41	-2.42	-2.97	-2.88	-2.56	-2.94	-2.944
Ohlson O-Score	snapshot only																				-4.894
Net-Net WC	snapshot only																				$-210.87

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				AAA
Credit Score	96.86	96.73	92.85	92.96	93.28	97.13	97.14	97.06	97.11	97.12	95.74	95.64	95.62	95.66	95.72	96.74	96.62	86.43	96.74	96.60	96.596
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				-0.147
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				98
Sector Credit Rank	snapshot only																				94

BANFP 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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