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Side-by-side financial comparison of BANCFIRST CORP (BANF) and HEARTLAND EXPRESS INC (HTLD). Click either name above to swap in a different company.
BANCFIRST CORP is the larger business by last-quarter revenue ($181.0M vs $179.4M, roughly 1.0× HEARTLAND EXPRESS INC). BANCFIRST CORP runs the higher net margin — 32.9% vs -10.8%, a 43.7% gap on every dollar of revenue. On growth, BANCFIRST CORP posted the faster year-over-year revenue change (11.1% vs -26.1%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $-44.2M). Over the past eight quarters, BANCFIRST CORP's revenue compounded faster (9.5% CAGR vs -18.5%).
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.
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
BANF vs HTLD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $179.4M |
| Net Profit | $59.5M | $-19.4M |
| Gross Margin | — | — |
| Operating Margin | 41.6% | -12.7% |
| Net Margin | 32.9% | -10.8% |
| Revenue YoY | 11.1% | -26.1% |
| Net Profit YoY | 5.3% | -949.2% |
| EPS (diluted) | $1.75 | $-0.24 |
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 | $179.4M | ||
| Q3 25 | $175.5M | $196.5M | ||
| Q2 25 | $169.3M | $210.4M | ||
| Q1 25 | $164.8M | $219.4M | ||
| Q4 24 | $162.9M | $242.6M | ||
| Q3 24 | $163.7M | $259.9M | ||
| Q2 24 | $153.8M | $274.8M | ||
| Q1 24 | $151.0M | $270.3M |
| Q4 25 | $59.5M | $-19.4M | ||
| Q3 25 | $62.7M | $-8.3M | ||
| Q2 25 | $62.3M | $-10.9M | ||
| Q1 25 | $56.1M | $-13.9M | ||
| Q4 24 | $56.5M | $-1.9M | ||
| Q3 24 | $58.9M | $-9.3M | ||
| Q2 24 | $50.6M | $-3.5M | ||
| Q1 24 | $50.3M | $-15.1M |
| Q4 25 | 41.6% | -12.7% | ||
| Q3 25 | 45.0% | -3.7% | ||
| Q2 25 | 47.1% | -5.9% | ||
| Q1 25 | 43.1% | -6.8% | ||
| Q4 24 | 44.2% | 0.4% | ||
| Q3 24 | 45.2% | -2.7% | ||
| Q2 24 | 42.4% | 0.1% | ||
| Q1 24 | 42.5% | -5.3% |
| Q4 25 | 32.9% | -10.8% | ||
| Q3 25 | 35.7% | -4.2% | ||
| Q2 25 | 36.8% | -5.2% | ||
| Q1 25 | 34.0% | -6.3% | ||
| Q4 24 | 34.7% | -0.8% | ||
| Q3 24 | 36.0% | -3.6% | ||
| Q2 24 | 32.9% | -1.3% | ||
| Q1 24 | 33.3% | -5.6% |
| Q4 25 | $1.75 | $-0.24 | ||
| Q3 25 | $1.85 | $-0.11 | ||
| Q2 25 | $1.85 | $-0.14 | ||
| Q1 25 | $1.66 | $-0.18 | ||
| Q4 24 | $1.68 | $-0.03 | ||
| Q3 24 | $1.75 | $-0.12 | ||
| Q2 24 | $1.51 | $-0.04 | ||
| Q1 24 | $1.50 | $-0.19 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $18.5M |
| Total DebtLower is stronger | — | $154.1M |
| Stockholders' EquityBook value | $1.9B | $755.3M |
| Total Assets | $14.8B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.20× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $18.5M | ||
| Q3 25 | — | $32.7M | ||
| Q2 25 | — | $22.9M | ||
| Q1 25 | — | $23.9M | ||
| Q4 24 | — | $12.8M | ||
| Q3 24 | — | $30.7M | ||
| Q2 24 | — | $23.9M | ||
| Q1 24 | — | $23.8M |
| Q4 25 | — | $154.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $187.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.9B | $755.3M | ||
| Q3 25 | $1.8B | $775.6M | ||
| Q2 25 | $1.7B | $786.7M | ||
| Q1 25 | $1.7B | $807.7M | ||
| Q4 24 | $1.6B | $822.6M | ||
| Q3 24 | $1.6B | $825.7M | ||
| Q2 24 | $1.5B | $836.8M | ||
| Q1 24 | $1.5B | $848.8M |
| Q4 25 | $14.8B | $1.2B | ||
| Q3 25 | $14.2B | $1.3B | ||
| Q2 25 | $14.0B | $1.3B | ||
| Q1 25 | $14.0B | $1.3B | ||
| Q4 24 | $13.6B | $1.3B | ||
| Q3 24 | $13.3B | $1.4B | ||
| Q2 24 | $12.7B | $1.4B | ||
| Q1 24 | $12.6B | $1.5B |
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.23× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $14.9M |
| Free Cash FlowOCF − Capex | $237.0M | $-44.2M |
| FCF MarginFCF / Revenue | 130.9% | -24.6% |
| Capex IntensityCapex / Revenue | 26.7% | 33.0% |
| Cash ConversionOCF / Net Profit | 4.79× | — |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $-66.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $14.9M | ||
| Q3 25 | $75.4M | $27.5M | ||
| Q2 25 | $78.1M | $21.0M | ||
| Q1 25 | $77.0M | $25.8M | ||
| Q4 24 | $261.2M | $37.8M | ||
| Q3 24 | $77.6M | $35.6M | ||
| Q2 24 | $100.2M | $40.0M | ||
| Q1 24 | $66.3M | $31.0M |
| Q4 25 | $237.0M | $-44.2M | ||
| Q3 25 | $63.7M | $-12.2M | ||
| Q2 25 | $64.4M | $-12.8M | ||
| Q1 25 | $65.6M | $2.3M | ||
| Q4 24 | $224.5M | $-45.5M | ||
| Q3 24 | $72.4M | $24.6M | ||
| Q2 24 | $94.1M | $29.4M | ||
| Q1 24 | $56.1M | $26.3M |
| Q4 25 | 130.9% | -24.6% | ||
| Q3 25 | 36.3% | -6.2% | ||
| Q2 25 | 38.0% | -6.1% | ||
| Q1 25 | 39.8% | 1.0% | ||
| Q4 24 | 137.8% | -18.8% | ||
| Q3 24 | 44.2% | 9.5% | ||
| Q2 24 | 61.2% | 10.7% | ||
| Q1 24 | 37.1% | 9.7% |
| Q4 25 | 26.7% | 33.0% | ||
| Q3 25 | 6.7% | 20.2% | ||
| Q2 25 | 8.1% | 16.1% | ||
| Q1 25 | 6.9% | 10.7% | ||
| Q4 24 | 22.5% | 34.3% | ||
| Q3 24 | 3.2% | 4.2% | ||
| Q2 24 | 3.9% | 3.8% | ||
| Q1 24 | 6.8% | 1.7% |
| Q4 25 | 4.79× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.25× | — | ||
| Q1 25 | 1.37× | — | ||
| Q4 24 | 4.62× | — | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.98× | — | ||
| Q1 24 | 1.32× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
