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Side-by-side financial comparison of BANCFIRST CORP (BANF) and PATHWARD FINANCIAL, INC. (CASH). Click either name above to swap in a different company.
BANCFIRST CORP is the larger business by last-quarter revenue ($181.0M vs $173.1M, roughly 1.0× PATHWARD FINANCIAL, INC.). BANCFIRST CORP runs the higher net margin — 32.9% vs 20.3%, a 12.6% gap on every dollar of revenue. On growth, BANCFIRST CORP posted the faster year-over-year revenue change (11.1% vs -0.2%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $104.1M). Over the past eight quarters, BANCFIRST CORP's revenue compounded faster (9.5% CAGR vs -18.0%).
BancFirst Corporation is an Oklahoma-based financial services holding company. The company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank; and Pegasus Bank and Worthington Bank, both Texas state-chartered banks.
Pathward Financial, Inc. is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.
BANF vs CASH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $173.1M |
| Net Profit | $59.5M | $35.2M |
| Gross Margin | — | — |
| Operating Margin | 41.6% | 24.6% |
| Net Margin | 32.9% | 20.3% |
| Revenue YoY | 11.1% | -0.2% |
| Net Profit YoY | 5.3% | 11.9% |
| EPS (diluted) | $1.75 | $1.57 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $181.0M | $173.1M | ||
| Q3 25 | $175.5M | $186.7M | ||
| Q2 25 | $169.3M | $195.8M | ||
| Q1 25 | $164.8M | $274.8M | ||
| Q4 24 | $162.9M | $182.6M | ||
| Q3 24 | $163.7M | $179.5M | ||
| Q2 24 | $153.8M | $188.6M | ||
| Q1 24 | $151.0M | $257.6M |
| Q4 25 | $59.5M | $35.2M | ||
| Q3 25 | $62.7M | $38.8M | ||
| Q2 25 | $62.3M | $42.1M | ||
| Q1 25 | $56.1M | $75.0M | ||
| Q4 24 | $56.5M | $30.0M | ||
| Q3 24 | $58.9M | $33.5M | ||
| Q2 24 | $50.6M | $44.9M | ||
| Q1 24 | $50.3M | $69.9M |
| Q4 25 | 41.6% | 24.6% | ||
| Q3 25 | 45.0% | 25.9% | ||
| Q2 25 | 47.1% | 24.1% | ||
| Q1 25 | 43.1% | 33.2% | ||
| Q4 24 | 44.2% | 19.8% | ||
| Q3 24 | 45.2% | 20.9% | ||
| Q2 24 | 42.4% | 27.1% | ||
| Q1 24 | 42.5% | 33.8% |
| Q4 25 | 32.9% | 20.3% | ||
| Q3 25 | 35.7% | 20.8% | ||
| Q2 25 | 36.8% | 21.5% | ||
| Q1 25 | 34.0% | 27.3% | ||
| Q4 24 | 34.7% | 16.4% | ||
| Q3 24 | 36.0% | 18.7% | ||
| Q2 24 | 32.9% | 23.8% | ||
| Q1 24 | 33.3% | 27.1% |
| Q4 25 | $1.75 | $1.57 | ||
| Q3 25 | $1.85 | $1.69 | ||
| Q2 25 | $1.85 | $1.81 | ||
| Q1 25 | $1.66 | $3.14 | ||
| Q4 24 | $1.68 | $1.23 | ||
| Q3 24 | $1.75 | $1.34 | ||
| Q2 24 | $1.51 | $1.78 | ||
| Q1 24 | $1.50 | $2.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $331.2M |
| Total DebtLower is stronger | — | $33.5M |
| Stockholders' EquityBook value | $1.9B | $854.5M |
| Total Assets | $14.8B | $7.6B |
| Debt / EquityLower = less leverage | — | 0.04× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $331.2M | ||
| Q3 25 | — | $120.6M | ||
| Q2 25 | — | $258.3M | ||
| Q1 25 | — | $254.2M | ||
| Q4 24 | — | $597.4M | ||
| Q3 24 | — | $158.3M | ||
| Q2 24 | — | $298.9M | ||
| Q1 24 | — | $347.9M |
| Q4 25 | — | $33.5M | ||
| Q3 25 | — | $33.5M | ||
| Q2 25 | — | $33.4M | ||
| Q1 25 | — | $33.4M | ||
| Q4 24 | — | $33.4M | ||
| Q3 24 | — | $33.4M | ||
| Q2 24 | — | $33.3M | ||
| Q1 24 | — | $33.4M |
| Q4 25 | $1.9B | $854.5M | ||
| Q3 25 | $1.8B | $858.0M | ||
| Q2 25 | $1.7B | $819.0M | ||
| Q1 25 | $1.7B | $814.7M | ||
| Q4 24 | $1.6B | $758.3M | ||
| Q3 24 | $1.6B | $822.5M | ||
| Q2 24 | $1.5B | $748.4M | ||
| Q1 24 | $1.5B | $719.5M |
| Q4 25 | $14.8B | $7.6B | ||
| Q3 25 | $14.2B | $7.2B | ||
| Q2 25 | $14.0B | $7.2B | ||
| Q1 25 | $14.0B | $7.0B | ||
| Q4 24 | $13.6B | $7.6B | ||
| Q3 24 | $13.3B | $7.5B | ||
| Q2 24 | $12.7B | $7.5B | ||
| Q1 24 | $12.6B | $7.4B |
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.04× | ||
| Q1 24 | — | 0.05× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $285.3M | $108.3M |
| Free Cash FlowOCF − Capex | $237.0M | $104.1M |
| FCF MarginFCF / Revenue | 130.9% | 60.1% |
| Capex IntensityCapex / Revenue | 26.7% | 2.4% |
| Cash ConversionOCF / Net Profit | 4.79× | 3.08× |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $616.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $108.3M | ||
| Q3 25 | $75.4M | $303.7M | ||
| Q2 25 | $78.1M | $30.4M | ||
| Q1 25 | $77.0M | $188.3M | ||
| Q4 24 | $261.2M | $-71.7M | ||
| Q3 24 | $77.6M | $143.1M | ||
| Q2 24 | $100.2M | $113.2M | ||
| Q1 24 | $66.3M | $203.0M |
| Q4 25 | $237.0M | $104.1M | ||
| Q3 25 | $63.7M | $300.3M | ||
| Q2 25 | $64.4M | $27.7M | ||
| Q1 25 | $65.6M | $184.7M | ||
| Q4 24 | $224.5M | $-73.8M | ||
| Q3 24 | $72.4M | $138.8M | ||
| Q2 24 | $94.1M | $111.0M | ||
| Q1 24 | $56.1M | $201.3M |
| Q4 25 | 130.9% | 60.1% | ||
| Q3 25 | 36.3% | 160.9% | ||
| Q2 25 | 38.0% | 14.1% | ||
| Q1 25 | 39.8% | 67.2% | ||
| Q4 24 | 137.8% | -40.4% | ||
| Q3 24 | 44.2% | 77.3% | ||
| Q2 24 | 61.2% | 58.8% | ||
| Q1 24 | 37.1% | 78.1% |
| Q4 25 | 26.7% | 2.4% | ||
| Q3 25 | 6.7% | 1.8% | ||
| Q2 25 | 8.1% | 1.4% | ||
| Q1 25 | 6.9% | 1.3% | ||
| Q4 24 | 22.5% | 1.1% | ||
| Q3 24 | 3.2% | 2.4% | ||
| Q2 24 | 3.9% | 1.2% | ||
| Q1 24 | 6.8% | 0.7% |
| Q4 25 | 4.79× | 3.08× | ||
| Q3 25 | 1.20× | 7.83× | ||
| Q2 25 | 1.25× | 0.72× | ||
| Q1 25 | 1.37× | 2.51× | ||
| Q4 24 | 4.62× | -2.39× | ||
| Q3 24 | 1.32× | 4.27× | ||
| Q2 24 | 1.98× | 2.52× | ||
| Q1 24 | 1.32× | 2.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BANF
Segment breakdown not available.
CASH
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
