Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in BancFirst Corporation or First Bancorp because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.
Read on to learn how BancFirst Corporation and First Bancorp compare based on key financial metrics to determine which better meets your investment needs.
About BancFirst Corporation and First Bancorp
BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses in the United States. It operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. The company offers checking, negotiable order of withdrawal, savings, money market, health savings, Coverdell education, individual retirement, and sweep accounts, as well as certificates of deposit, overdraft protection, and auto draft services. It also provides commercial real estate owner occupied and non-owner occupied, construction and development, construction residential real estate, residential real estate first lien, agricultural, commercial and consumer non-real estate, and oil and gas loans; lending activities, such as private banking, commercial and residential real estate, commercial and industrial, and energy loans. In addition, the company offers investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; and depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.
First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services. Further, it offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans; property and casualty insurance products; and financial planning services. First Bancorp was founded in 1934 and is headquartered in Southern Pines, North Carolina.
Latest Banks and BancFirst Corporation, First Bancorp Stock News
As of August 7, 2025, BancFirst Corporation had a $4.1 billion market capitalization, compared to the Banks median of $404.1 million. BancFirst Corporation’s stock is NA in 2025, NA in the previous five trading days and up 23.97% in the past year.
Currently, BancFirst Corporation’s price-earnings ratio is 17.3. BancFirst Corporation’s trailing 12-month revenue is $656.1 million with a 35.6% net profit margin. Year-over-year quarterly sales growth most recently was 11.6%. Analysts expect adjusted earnings to reach $7.207 per share for the current fiscal year. BancFirst Corporation currently has a 1.5% dividend yield.
Currently, First Bancorp’s price-earnings ratio is 20.9. First Bancorp’s trailing 12-month revenue is $361.1 million with a 26.9% net profit margin. Year-over-year quarterly sales growth most recently was 14.3%. Analysts expect adjusted earnings to reach $3.540 per share for the current fiscal year. First Bancorp currently has a 1.9% dividend yield.
How We Compare BancFirst Corporation and First Bancorp Stock Grades
Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.
AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at BancFirst Corporation and First Bancorp’s stock grades to see how they measure up against one another.
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BancFirst Corporation and First Bancorp Stock Value Grades
| Company | Ticker | Value |
| BancFirst Corporation | BANF |
D |
| First Bancorp | FBNC |
C |
Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.
Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.
AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.
Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.
BancFirst Corporation has a Value Score of 34, which is Expensive.
First Bancorp has a Value Score of 50, which is Average.
The Value Stock Winner: No Clear Winner
Neither BancFirst Corporation or First Bancorp has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if BancFirst Corporation or First Bancorp is the better investment when it comes to value.
BancFirst Corporation and First Bancorp Growth Grades
| Company | Ticker | Growth |
| BancFirst Corporation | BANF |
A |
| First Bancorp | FBNC |
A |
The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.
In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.
The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.
BancFirst Corporation has a Growth Score of 87, which is Very Strong.
First Bancorp has a Growth Score of 82, which is Very Strong.
The Growth Grade Winner: It’s a Tie!
Looking at the Growth Grade breakdown above, both BancFirst Corporation and First Bancorp have a grade of A. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.
BancFirst Corporation and First Bancorp’s Quality Grades
| Company | Ticker | Quality |
| BancFirst Corporation | BANF |
F |
| First Bancorp | FBNC |
F |
Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.
The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.
The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.
Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.
BancFirst Corporation has a Quality Score of 16, which is Very Weak.
First Bancorp has a Quality Score of 13, which is Very Weak.
The Quality Stock Winner: No Clear Winner
Neither BancFirst Corporation or First Bancorp has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if BancFirst Corporation or First Bancorp is the better investment when it comes to quality.
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Other BancFirst Corporation and First Bancorp Grades
In addition to Quality, Value and Growth, A+ Investor also provides grades for Momentum and Estimate Revisions.
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AAII’s expansive and robust screening tools like A+ Investor help investors make confident decisions.
Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.
Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).
These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether BancFirst Corporation and First Bancorp pass any of our 60+ stock screens that have outperformed the market since their creation.
So, Which Is the Better Investment, BancFirst Corporation or First Bancorp Stock?
Overall, BancFirst Corporation stock has a Value Score of 34, Growth Score of 87 and Quality Score of 16.
First Bancorp stock has a Value Score of 50, Growth Score of 82 and Quality Score of 13.
Comparing BancFirst Corporation and First Bancorp’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.
Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.
A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.
AAII Disclaimer
We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.
