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Side-by-side financial comparison of BANCFIRST CORP (BANF) and MONRO, INC. (MNRO). Click either name above to swap in a different company.
MONRO, INC. is the larger business by last-quarter revenue ($293.4M vs $181.0M, roughly 1.6× BANCFIRST CORP). BANCFIRST CORP runs the higher net margin — 32.9% vs 3.8%, a 29.1% gap on every dollar of revenue. On growth, BANCFIRST CORP posted the faster year-over-year revenue change (11.1% vs -4.0%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $9.1M). Over the past eight quarters, BANCFIRST CORP's revenue compounded faster (9.5% CAGR vs -2.7%).
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.
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
BANF vs MNRO — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $293.4M |
| Net Profit | $59.5M | $11.1M |
| Gross Margin | — | 34.9% |
| Operating Margin | 41.6% | 6.3% |
| Net Margin | 32.9% | 3.8% |
| Revenue YoY | 11.1% | -4.0% |
| Net Profit YoY | 5.3% | 143.1% |
| EPS (diluted) | $1.75 | $0.35 |
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 | $293.4M | ||
| Q3 25 | $175.5M | $288.9M | ||
| Q2 25 | $169.3M | $301.0M | ||
| Q1 25 | $164.8M | $295.0M | ||
| Q4 24 | $162.9M | $305.8M | ||
| Q3 24 | $163.7M | $301.4M | ||
| Q2 24 | $153.8M | $293.2M | ||
| Q1 24 | $151.0M | $310.1M |
| Q4 25 | $59.5M | $11.1M | ||
| Q3 25 | $62.7M | $5.7M | ||
| Q2 25 | $62.3M | $-8.1M | ||
| Q1 25 | $56.1M | $-21.3M | ||
| Q4 24 | $56.5M | $4.6M | ||
| Q3 24 | $58.9M | $5.6M | ||
| Q2 24 | $50.6M | $5.9M | ||
| Q1 24 | $50.3M | $3.7M |
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 35.5% |
| Q4 25 | 41.6% | 6.3% | ||
| Q3 25 | 45.0% | 4.4% | ||
| Q2 25 | 47.1% | -2.0% | ||
| Q1 25 | 43.1% | -8.1% | ||
| Q4 24 | 44.2% | 3.3% | ||
| Q3 24 | 45.2% | 4.4% | ||
| Q2 24 | 42.4% | 4.5% | ||
| Q1 24 | 42.5% | 3.3% |
| Q4 25 | 32.9% | 3.8% | ||
| Q3 25 | 35.7% | 2.0% | ||
| Q2 25 | 36.8% | -2.7% | ||
| Q1 25 | 34.0% | -7.2% | ||
| Q4 24 | 34.7% | 1.5% | ||
| Q3 24 | 36.0% | 1.9% | ||
| Q2 24 | 32.9% | 2.0% | ||
| Q1 24 | 33.3% | 1.2% |
| Q4 25 | $1.75 | $0.35 | ||
| Q3 25 | $1.85 | $0.18 | ||
| Q2 25 | $1.85 | $-0.28 | ||
| Q1 25 | $1.66 | $-0.74 | ||
| Q4 24 | $1.68 | $0.15 | ||
| Q3 24 | $1.75 | $0.18 | ||
| Q2 24 | $1.51 | $0.19 | ||
| Q1 24 | $1.50 | $0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $4.9M |
| Total DebtLower is stronger | — | $45.0M |
| Stockholders' EquityBook value | $1.9B | $604.9M |
| Total Assets | $14.8B | $1.6B |
| Debt / EquityLower = less leverage | — | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $4.9M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $7.8M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $18.7M | ||
| Q1 24 | — | $6.6M |
| Q4 25 | — | $45.0M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $71.5M | ||
| Q1 25 | — | $61.3M | ||
| Q4 24 | — | $59.3M | ||
| Q3 24 | — | $62.0M | ||
| Q2 24 | — | $112.0M | ||
| Q1 24 | — | $102.0M |
| Q4 25 | $1.9B | $604.9M | ||
| Q3 25 | $1.8B | $601.7M | ||
| Q2 25 | $1.7B | $604.9M | ||
| Q1 25 | $1.7B | $620.8M | ||
| Q4 24 | $1.6B | $648.9M | ||
| Q3 24 | $1.6B | $651.9M | ||
| Q2 24 | $1.5B | $654.4M | ||
| Q1 24 | $1.5B | $656.8M |
| Q4 25 | $14.8B | $1.6B | ||
| Q3 25 | $14.2B | $1.6B | ||
| Q2 25 | $14.0B | $1.6B | ||
| Q1 25 | $14.0B | $1.6B | ||
| Q4 24 | $13.6B | $1.7B | ||
| Q3 24 | $13.3B | $1.7B | ||
| Q2 24 | $12.7B | $1.7B | ||
| Q1 24 | $12.6B | $1.7B |
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.10× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.17× | ||
| Q1 24 | — | 0.16× |
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 | $17.8M |
| Free Cash FlowOCF − Capex | $237.0M | $9.1M |
| FCF MarginFCF / Revenue | 130.9% | 3.1% |
| Capex IntensityCapex / Revenue | 26.7% | 3.0% |
| Cash ConversionOCF / Net Profit | 4.79× | 1.60× |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $49.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $17.8M | ||
| Q3 25 | $75.4M | $32.3M | ||
| Q2 25 | $78.1M | $-1.9M | ||
| Q1 25 | $77.0M | $28.9M | ||
| Q4 24 | $261.2M | $14.8M | ||
| Q3 24 | $77.6M | $62.6M | ||
| Q2 24 | $100.2M | $25.6M | ||
| Q1 24 | $66.3M | $-5.3M |
| Q4 25 | $237.0M | $9.1M | ||
| Q3 25 | $63.7M | $26.6M | ||
| Q2 25 | $64.4M | $-9.3M | ||
| Q1 25 | $65.6M | $23.2M | ||
| Q4 24 | $224.5M | $7.9M | ||
| Q3 24 | $72.4M | $57.6M | ||
| Q2 24 | $94.1M | $16.8M | ||
| Q1 24 | $56.1M | $-11.9M |
| Q4 25 | 130.9% | 3.1% | ||
| Q3 25 | 36.3% | 9.2% | ||
| Q2 25 | 38.0% | -3.1% | ||
| Q1 25 | 39.8% | 7.9% | ||
| Q4 24 | 137.8% | 2.6% | ||
| Q3 24 | 44.2% | 19.1% | ||
| Q2 24 | 61.2% | 5.7% | ||
| Q1 24 | 37.1% | -3.8% |
| Q4 25 | 26.7% | 3.0% | ||
| Q3 25 | 6.7% | 2.0% | ||
| Q2 25 | 8.1% | 2.5% | ||
| Q1 25 | 6.9% | 1.9% | ||
| Q4 24 | 22.5% | 2.2% | ||
| Q3 24 | 3.2% | 1.6% | ||
| Q2 24 | 3.9% | 3.0% | ||
| Q1 24 | 6.8% | 2.1% |
| Q4 25 | 4.79× | 1.60× | ||
| Q3 25 | 1.20× | 5.71× | ||
| Q2 25 | 1.25× | — | ||
| Q1 25 | 1.37× | — | ||
| Q4 24 | 4.62× | 3.23× | ||
| Q3 24 | 1.32× | 11.08× | ||
| Q2 24 | 1.98× | 4.37× | ||
| Q1 24 | 1.32× | -1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BANF
Segment breakdown not available.
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
