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Side-by-side financial comparison of BANCFIRST CORP (BANF) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
BANCFIRST CORP is the larger business by last-quarter revenue ($181.0M vs $153.1M, roughly 1.2× CPI Card Group Inc.). BANCFIRST CORP runs the higher net margin — 32.9% vs 4.8%, a 28.1% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 11.1%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 9.5%).
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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
BANF vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $153.1M |
| Net Profit | $59.5M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 41.6% | 12.0% |
| Net Margin | 32.9% | 4.8% |
| Revenue YoY | 11.1% | 22.3% |
| Net Profit YoY | 5.3% | 8.5% |
| EPS (diluted) | $1.75 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $175.5M | $138.0M | ||
| Q2 25 | $169.3M | $129.8M | ||
| Q1 25 | $164.8M | $122.8M | ||
| Q4 24 | $162.9M | $125.1M | ||
| Q3 24 | $163.7M | $124.8M | ||
| Q2 24 | $153.8M | $118.8M | ||
| Q1 24 | $151.0M | $111.9M |
| Q4 25 | $59.5M | $7.3M | ||
| Q3 25 | $62.7M | $2.3M | ||
| Q2 25 | $62.3M | $518.0K | ||
| Q1 25 | $56.1M | $4.8M | ||
| Q4 24 | $56.5M | $6.8M | ||
| Q3 24 | $58.9M | $1.3M | ||
| Q2 24 | $50.6M | $6.0M | ||
| Q1 24 | $50.3M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 41.6% | 12.0% | ||
| Q3 25 | 45.0% | 9.4% | ||
| Q2 25 | 47.1% | 7.3% | ||
| Q1 25 | 43.1% | 11.5% | ||
| Q4 24 | 44.2% | 12.7% | ||
| Q3 24 | 45.2% | 14.3% | ||
| Q2 24 | 42.4% | 12.5% | ||
| Q1 24 | 42.5% | 12.6% |
| Q4 25 | 32.9% | 4.8% | ||
| Q3 25 | 35.7% | 1.7% | ||
| Q2 25 | 36.8% | 0.4% | ||
| Q1 25 | 34.0% | 3.9% | ||
| Q4 24 | 34.7% | 5.4% | ||
| Q3 24 | 36.0% | 1.0% | ||
| Q2 24 | 32.9% | 5.1% | ||
| Q1 24 | 33.3% | 4.9% |
| Q4 25 | $1.75 | $0.62 | ||
| Q3 25 | $1.85 | $0.19 | ||
| Q2 25 | $1.85 | $0.04 | ||
| Q1 25 | $1.66 | $0.40 | ||
| Q4 24 | $1.68 | $0.56 | ||
| Q3 24 | $1.75 | $0.11 | ||
| Q2 24 | $1.51 | $0.51 | ||
| Q1 24 | $1.50 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $1.9B | $-17.3M |
| Total Assets | $14.8B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M | ||
| Q1 24 | — | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $1.9B | $-17.3M | ||
| Q3 25 | $1.8B | $-25.7M | ||
| Q2 25 | $1.7B | $-29.0M | ||
| Q1 25 | $1.7B | $-29.7M | ||
| Q4 24 | $1.6B | $-35.6M | ||
| Q3 24 | $1.6B | $-42.8M | ||
| Q2 24 | $1.5B | $-44.6M | ||
| Q1 24 | $1.5B | $-48.5M |
| Q4 25 | $14.8B | $403.2M | ||
| Q3 25 | $14.2B | $407.1M | ||
| Q2 25 | $14.0B | $399.8M | ||
| Q1 25 | $14.0B | $351.9M | ||
| Q4 24 | $13.6B | $349.7M | ||
| Q3 24 | $13.3B | $342.3M | ||
| Q2 24 | $12.7B | $321.4M | ||
| Q1 24 | $12.6B | $319.8M |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $237.0M | $35.2M |
| FCF MarginFCF / Revenue | 130.9% | 23.0% |
| Capex IntensityCapex / Revenue | 26.7% | 2.9% |
| Cash ConversionOCF / Net Profit | 4.79× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $39.6M | ||
| Q3 25 | $75.4M | $10.0M | ||
| Q2 25 | $78.1M | $4.3M | ||
| Q1 25 | $77.0M | $5.6M | ||
| Q4 24 | $261.2M | $26.7M | ||
| Q3 24 | $77.6M | $12.5M | ||
| Q2 24 | $100.2M | $-4.8M | ||
| Q1 24 | $66.3M | $8.9M |
| Q4 25 | $237.0M | $35.2M | ||
| Q3 25 | $63.7M | $5.3M | ||
| Q2 25 | $64.4M | $533.0K | ||
| Q1 25 | $65.6M | $292.0K | ||
| Q4 24 | $224.5M | $21.6M | ||
| Q3 24 | $72.4M | $11.1M | ||
| Q2 24 | $94.1M | $-6.0M | ||
| Q1 24 | $56.1M | $7.4M |
| Q4 25 | 130.9% | 23.0% | ||
| Q3 25 | 36.3% | 3.8% | ||
| Q2 25 | 38.0% | 0.4% | ||
| Q1 25 | 39.8% | 0.2% | ||
| Q4 24 | 137.8% | 17.3% | ||
| Q3 24 | 44.2% | 8.9% | ||
| Q2 24 | 61.2% | -5.0% | ||
| Q1 24 | 37.1% | 6.6% |
| Q4 25 | 26.7% | 2.9% | ||
| Q3 25 | 6.7% | 3.4% | ||
| Q2 25 | 8.1% | 2.9% | ||
| Q1 25 | 6.9% | 4.3% | ||
| Q4 24 | 22.5% | 4.0% | ||
| Q3 24 | 3.2% | 1.2% | ||
| Q2 24 | 3.9% | 1.0% | ||
| Q1 24 | 6.8% | 1.3% |
| Q4 25 | 4.79× | 5.39× | ||
| Q3 25 | 1.20× | 4.32× | ||
| Q2 25 | 1.25× | 8.39× | ||
| Q1 25 | 1.37× | 1.17× | ||
| Q4 24 | 4.62× | 3.94× | ||
| Q3 24 | 1.32× | 9.70× | ||
| Q2 24 | 1.98× | -0.79× | ||
| Q1 24 | 1.32× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BANF
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
