---
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"
generated_at: "2026-06-06T22:14:50.612934+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q4 EPS $1.46 vs $1.70 YoY; CEO warns 2024 earnings will be lower

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-005423
- JSON: https://secwatch.observer/filing/0000950170-24-005423.json
- Plain text: https://secwatch.observer/filing/0000950170-24-005423.txt

## Key facts
- Earnings Releases
  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.
  - Period: year ended December 31, 2023
  - Net income: Net income for the year ended December 31, 2023 was $212.5 million
  - EPS: $6.34 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/0000950170-24-005423-index.htm
- Earnings Releases
  BANCFIRST CORP /OK/ reported fourth quarter of 2023 results: net income net income of $48.9 million, EPS $1.46 diluted earnings per share.
  - Period: fourth quarter of 2023
  - Net income: net income of $48.9 million
  - EPS: $1.46 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/760498/000095017024005423/0000950170-24-005423-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.