{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-005423","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.872541+00:00","generated_at":"2026-06-06T22:14:50.612934+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BancFirst Q4 EPS $1.46 vs $1.70 YoY; CEO warns 2024 earnings will be lower","bullets":["Q4 net income $48.9M ($1.46 diluted EPS) vs $57.1M ($1.70) a year ago.","Full year 2023 net income $212.5M ($6.34 EPS) vs $193.1M ($5.77) for 2022, a record.","Net interest margin fell to 3.67% from 3.83%; no provision for credit losses in Q4 vs $3.8M last year.","Noninterest income down $3M to $45.2M due to Durbin amendment; interchange fees fell $5.3M.","CEO expects lower 2024 earnings due to full-year Durbin impact, margin pressure, and increased regulatory costs from crossing $10B asset threshold."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-005423","json":"https://secwatch.observer/filing/0000950170-24-005423.json","markdown":"https://secwatch.observer/filing/0000950170-24-005423.md","text":"https://secwatch.observer/filing/0000950170-24-005423.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/0000950170-24-005423-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/banf-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:14:50.612934+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"0a978f695eecef5800a08c9fc35104ad2c105ccc","claim":"BANCFIRST CORP /OK/ reported year ended December 31, 2023 results: net income Net income for the year ended December 31, 2023 was $212.5 million, EPS $6.34 diluted earnings per share.","evidence_excerpt":"Net income for the year ended December 31, 2023 was $212.5 million, or $6.34 diluted earnings per share, compared to $193.1 million, or $5.77 diluted earnings per share, for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/0000950170-24-005423-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"Net income for the year ended December 31, 2023 was $212.5 million"},{"label":"EPS","value":"$6.34 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"7ca00b9e78ead3d9b40b406a3075f3d3ac9f94c8","claim":"BANCFIRST CORP /OK/ reported fourth quarter of 2023 results: net income net income of $48.9 million, EPS $1.46 diluted earnings per share.","evidence_excerpt":"BancFirst Corporation (NASDAQ GS:BANF) reported net income of $48.9 million, or $1.46 diluted earnings per share, for the fourth quarter of 2023 compared to net income of $57.1 million, or $1.70 diluted earnings per share, for the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/0000950170-24-005423-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of 2023"},{"label":"Net income","value":"net income of $48.9 million"},{"label":"EPS","value":"$1.46 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}