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Side-by-side financial comparison of BANCFIRST CORP (BANF) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Wheels Up Experience Inc. is the larger business by last-quarter revenue ($183.8M vs $181.0M, roughly 1.0× BANCFIRST CORP). BANCFIRST CORP runs the higher net margin — 32.9% vs -15.7%, a 48.6% gap on every dollar of revenue. On growth, BANCFIRST CORP posted the faster year-over-year revenue change (11.1% vs -10.2%). BANCFIRST CORP produced more free cash flow last quarter ($237.0M vs $-58.3M). Over the past eight quarters, BANCFIRST CORP's revenue compounded faster (9.5% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
BANF vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $181.0M | $183.8M |
| Net Profit | $59.5M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 41.6% | -0.9% |
| Net Margin | 32.9% | -15.7% |
| Revenue YoY | 11.1% | -10.2% |
| Net Profit YoY | 5.3% | 67.0% |
| EPS (diluted) | $1.75 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $175.5M | $185.5M | ||
| Q2 25 | $169.3M | $189.6M | ||
| Q1 25 | $164.8M | $177.5M | ||
| Q4 24 | $162.9M | $204.8M | ||
| Q3 24 | $163.7M | $193.9M | ||
| Q2 24 | $153.8M | $196.3M | ||
| Q1 24 | $151.0M | $197.1M |
| Q4 25 | $59.5M | $-28.9M | ||
| Q3 25 | $62.7M | $-83.7M | ||
| Q2 25 | $62.3M | $-82.3M | ||
| Q1 25 | $56.1M | $-99.3M | ||
| Q4 24 | $56.5M | $-87.5M | ||
| Q3 24 | $58.9M | $-57.7M | ||
| Q2 24 | $50.6M | $-97.0M | ||
| Q1 24 | $50.3M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 41.6% | -0.9% | ||
| Q3 25 | 45.0% | -33.1% | ||
| Q2 25 | 47.1% | -31.4% | ||
| Q1 25 | 43.1% | -45.5% | ||
| Q4 24 | 44.2% | -26.0% | ||
| Q3 24 | 45.2% | -21.6% | ||
| Q2 24 | 42.4% | -40.3% | ||
| Q1 24 | 42.5% | -42.9% |
| Q4 25 | 32.9% | -15.7% | ||
| Q3 25 | 35.7% | -45.1% | ||
| Q2 25 | 36.8% | -43.4% | ||
| Q1 25 | 34.0% | -55.9% | ||
| Q4 24 | 34.7% | -42.7% | ||
| Q3 24 | 36.0% | -29.8% | ||
| Q2 24 | 32.9% | -49.4% | ||
| Q1 24 | 33.3% | -49.4% |
| Q4 25 | $1.75 | $-0.04 | ||
| Q3 25 | $1.85 | $-0.12 | ||
| Q2 25 | $1.85 | $-0.12 | ||
| Q1 25 | $1.66 | $-0.14 | ||
| Q4 24 | $1.68 | $-0.13 | ||
| Q3 24 | $1.75 | $-0.08 | ||
| Q2 24 | $1.51 | $-0.14 | ||
| Q1 24 | $1.50 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $1.9B | $-392.1M |
| Total Assets | $14.8B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M | ||
| Q1 24 | — | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $1.9B | $-392.1M | ||
| Q3 25 | $1.8B | $-374.5M | ||
| Q2 25 | $1.7B | $-347.8M | ||
| Q1 25 | $1.7B | $-288.1M | ||
| Q4 24 | $1.6B | $-202.1M | ||
| Q3 24 | $1.6B | $-117.7M | ||
| Q2 24 | $1.5B | $-72.2M | ||
| Q1 24 | $1.5B | $936.0K |
| Q4 25 | $14.8B | $968.8M | ||
| Q3 25 | $14.2B | $973.0M | ||
| Q2 25 | $14.0B | $1.0B | ||
| Q1 25 | $14.0B | $1.1B | ||
| Q4 24 | $13.6B | $1.2B | ||
| Q3 24 | $13.3B | $1.0B | ||
| Q2 24 | $12.7B | $1.1B | ||
| Q1 24 | $12.6B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $-18.4M |
| Free Cash FlowOCF − Capex | $237.0M | $-58.3M |
| FCF MarginFCF / Revenue | 130.9% | -31.7% |
| Capex IntensityCapex / Revenue | 26.7% | 21.7% |
| Cash ConversionOCF / Net Profit | 4.79× | — |
| TTM Free Cash FlowTrailing 4 quarters | $430.7M | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $-18.4M | ||
| Q3 25 | $75.4M | $-37.1M | ||
| Q2 25 | $78.1M | $-62.9M | ||
| Q1 25 | $77.0M | $-47.9M | ||
| Q4 24 | $261.2M | $37.9M | ||
| Q3 24 | $77.6M | $-16.9M | ||
| Q2 24 | $100.2M | $-25.2M | ||
| Q1 24 | $66.3M | $-73.8M |
| Q4 25 | $237.0M | $-58.3M | ||
| Q3 25 | $63.7M | $-60.4M | ||
| Q2 25 | $64.4M | $-78.6M | ||
| Q1 25 | $65.6M | $-62.6M | ||
| Q4 24 | $224.5M | $-70.2M | ||
| Q3 24 | $72.4M | $-21.9M | ||
| Q2 24 | $94.1M | $-30.8M | ||
| Q1 24 | $56.1M | $-77.8M |
| Q4 25 | 130.9% | -31.7% | ||
| Q3 25 | 36.3% | -32.6% | ||
| Q2 25 | 38.0% | -41.5% | ||
| Q1 25 | 39.8% | -35.3% | ||
| Q4 24 | 137.8% | -34.3% | ||
| Q3 24 | 44.2% | -11.3% | ||
| Q2 24 | 61.2% | -15.7% | ||
| Q1 24 | 37.1% | -39.5% |
| Q4 25 | 26.7% | 21.7% | ||
| Q3 25 | 6.7% | 12.5% | ||
| Q2 25 | 8.1% | 8.3% | ||
| Q1 25 | 6.9% | 8.3% | ||
| Q4 24 | 22.5% | 52.8% | ||
| Q3 24 | 3.2% | 2.6% | ||
| Q2 24 | 3.9% | 2.9% | ||
| Q1 24 | 6.8% | 2.0% |
| 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.
