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Side-by-side financial comparison of BANCFIRST CORP (BANF) and Natural Grocers by Vitamin Cottage, Inc. (NGVC). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $181.0M, roughly 1.9× BANCFIRST CORP). BANCFIRST CORP runs the higher net margin — 32.9% vs 3.4%, a 29.5% gap on every dollar of revenue. On growth, BANCFIRST CORP posted the faster year-over-year revenue change (11.1% vs 1.6%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $11.6M). Over the past eight quarters, BANCFIRST CORP's revenue compounded faster (9.5% CAGR vs 4.4%).
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.
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
BANF vs NGVC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $335.6M |
| Net Profit | $59.5M | $11.3M |
| Gross Margin | — | 29.5% |
| Operating Margin | 41.6% | 4.4% |
| Net Margin | 32.9% | 3.4% |
| Revenue YoY | 11.1% | 1.6% |
| Net Profit YoY | 5.3% | 14.0% |
| EPS (diluted) | $1.75 | $0.49 |
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 | $335.6M | ||
| Q3 25 | $175.5M | $336.1M | ||
| Q2 25 | $169.3M | $328.7M | ||
| Q1 25 | $164.8M | $335.8M | ||
| Q4 24 | $162.9M | $330.2M | ||
| Q3 24 | $163.7M | $322.7M | ||
| Q2 24 | $153.8M | $309.1M | ||
| Q1 24 | $151.0M | $308.1M |
| Q4 25 | $59.5M | $11.3M | ||
| Q3 25 | $62.7M | $11.8M | ||
| Q2 25 | $62.3M | $11.6M | ||
| Q1 25 | $56.1M | $13.1M | ||
| Q4 24 | $56.5M | $9.9M | ||
| Q3 24 | $58.9M | $9.0M | ||
| Q2 24 | $50.6M | $9.2M | ||
| Q1 24 | $50.3M | $8.0M |
| Q4 25 | — | 29.5% | ||
| Q3 25 | — | 29.5% | ||
| Q2 25 | — | 29.9% | ||
| Q1 25 | — | 30.3% | ||
| Q4 24 | — | 29.9% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.2% | ||
| Q1 24 | — | 29.3% |
| Q4 25 | 41.6% | 4.4% | ||
| Q3 25 | 45.0% | 4.6% | ||
| Q2 25 | 47.1% | 4.7% | ||
| Q1 25 | 43.1% | 5.2% | ||
| Q4 24 | 44.2% | 4.0% | ||
| Q3 24 | 45.2% | 3.7% | ||
| Q2 24 | 42.4% | 4.2% | ||
| Q1 24 | 42.5% | 3.7% |
| Q4 25 | 32.9% | 3.4% | ||
| Q3 25 | 35.7% | 3.5% | ||
| Q2 25 | 36.8% | 3.5% | ||
| Q1 25 | 34.0% | 3.9% | ||
| Q4 24 | 34.7% | 3.0% | ||
| Q3 24 | 36.0% | 2.8% | ||
| Q2 24 | 32.9% | 3.0% | ||
| Q1 24 | 33.3% | 2.6% |
| Q4 25 | $1.75 | $0.49 | ||
| Q3 25 | $1.85 | $0.51 | ||
| Q2 25 | $1.85 | $0.50 | ||
| Q1 25 | $1.66 | $0.56 | ||
| Q4 24 | $1.68 | $0.43 | ||
| Q3 24 | $1.75 | $0.38 | ||
| Q2 24 | $1.51 | $0.40 | ||
| Q1 24 | $1.50 | $0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $23.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.9B | $220.0M |
| Total Assets | $14.8B | $668.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $17.1M | ||
| Q2 25 | — | $13.2M | ||
| Q1 25 | — | $21.2M | ||
| Q4 24 | — | $6.3M | ||
| Q3 24 | — | $8.9M | ||
| Q2 24 | — | $13.9M | ||
| Q1 24 | — | $11.0M |
| Q4 25 | $1.9B | $220.0M | ||
| Q3 25 | $1.8B | $212.4M | ||
| Q2 25 | $1.7B | $202.5M | ||
| Q1 25 | $1.7B | $193.0M | ||
| Q4 24 | $1.6B | $181.9M | ||
| Q3 24 | $1.6B | $174.3M | ||
| Q2 24 | $1.5B | $167.8M | ||
| Q1 24 | $1.5B | $160.0M |
| Q4 25 | $14.8B | $668.6M | ||
| Q3 25 | $14.2B | $670.5M | ||
| Q2 25 | $14.0B | $659.0M | ||
| Q1 25 | $14.0B | $664.6M | ||
| Q4 24 | $13.6B | $648.9M | ||
| Q3 24 | $13.3B | $655.5M | ||
| Q2 24 | $12.7B | $654.4M | ||
| Q1 24 | $12.6B | $656.6M |
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 | $21.1M |
| Free Cash FlowOCF − Capex | $237.0M | $11.6M |
| FCF MarginFCF / Revenue | 130.9% | 3.4% |
| Capex IntensityCapex / Revenue | 26.7% | 2.9% |
| Cash ConversionOCF / Net Profit | 4.79× | 1.86× |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $42.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $21.1M | ||
| Q3 25 | $75.4M | $15.6M | ||
| Q2 25 | $78.1M | $2.9M | ||
| Q1 25 | $77.0M | $34.1M | ||
| Q4 24 | $261.2M | $2.7M | ||
| Q3 24 | $77.6M | $24.5M | ||
| Q2 24 | $100.2M | $12.4M | ||
| Q1 24 | $66.3M | $20.2M |
| Q4 25 | $237.0M | $11.6M | ||
| Q3 25 | $63.7M | $7.5M | ||
| Q2 25 | $64.4M | $-4.2M | ||
| Q1 25 | $65.6M | $27.6M | ||
| Q4 24 | $224.5M | $-6.9M | ||
| Q3 24 | $72.4M | $18.0M | ||
| Q2 24 | $94.1M | $3.6M | ||
| Q1 24 | $56.1M | $9.8M |
| Q4 25 | 130.9% | 3.4% | ||
| Q3 25 | 36.3% | 2.2% | ||
| Q2 25 | 38.0% | -1.3% | ||
| Q1 25 | 39.8% | 8.2% | ||
| Q4 24 | 137.8% | -2.1% | ||
| Q3 24 | 44.2% | 5.6% | ||
| Q2 24 | 61.2% | 1.2% | ||
| Q1 24 | 37.1% | 3.2% |
| Q4 25 | 26.7% | 2.9% | ||
| Q3 25 | 6.7% | 2.4% | ||
| Q2 25 | 8.1% | 2.2% | ||
| Q1 25 | 6.9% | 1.9% | ||
| Q4 24 | 22.5% | 2.9% | ||
| Q3 24 | 3.2% | 2.0% | ||
| Q2 24 | 3.9% | 2.9% | ||
| Q1 24 | 6.8% | 3.4% |
| Q4 25 | 4.79× | 1.86× | ||
| Q3 25 | 1.20× | 1.32× | ||
| Q2 25 | 1.25× | 0.25× | ||
| Q1 25 | 1.37× | 2.60× | ||
| Q4 24 | 4.62× | 0.27× | ||
| Q3 24 | 1.32× | 2.72× | ||
| Q2 24 | 1.98× | 1.35× | ||
| Q1 24 | 1.32× | 2.54× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BANF
Segment breakdown not available.
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
