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BANF vs STBA
Which Stock Would AI Choose? BancFirst Corporation (BANF) vs. S&T Bancorp, Inc. (STBA) Stock Comparison
Key Takeaways
- BANF recently reported strong Q1 2026 earnings, beating estimates with EPS of $1.85, driving positive momentum.
- STBA maintains steady performance with a recent $100 million stock buyback and consistent dividends, appealing to income-focused investors.
- BANF boasts a larger market cap around $3.87 billion compared to STBA's approximately $1.6 billion, indicating greater scale.
- Both regional banks benefit from sector tailwinds but face interest rate sensitivity; BANF shows stronger recent price gains.
- Tickeron's comparison rates STBA as a better long-term buy over BANF.
- YTD, STBA has returned about 13.7%, outperforming broader indices in stability.
Introduction
BancFirst Corporation (BANF) and S&T Bancorp, Inc. (STBA) are regional bank holding companies operating in the U.S. financial sector, offering retail and commercial banking services. This stock comparison analyzes their recent market performance, financial metrics, and positioning amid evolving interest rates and economic conditions. Traders seeking momentum plays and long-term investors eyeing dividends or stability may find value in evaluating their relative strengths, growth trajectories, and risk profiles in today's market environment.
BANF Overview and Recent Performance
BancFirst Corporation (BANF), headquartered in Oklahoma City, operates as a bank holding company providing commercial, real estate, and agricultural banking services primarily in Oklahoma. In recent market activity, BANF shares have traded around $115, with a 52-week range of $101 to $139. The stock experienced upward momentum following its Q1 2026 earnings release, reporting net income of $63 million and diluted EPS of $1.85, surpassing consensus estimates. Deposits grew to $12.9 billion, signaling robust customer confidence. Positive sentiment stems from resilient net interest income (NII, revenue from interest-bearing assets minus interest expenses) and operational efficiency, though shares remain below recent highs amid broader sector volatility.
STBA Overview and Recent Performance
S&T Bancorp, Inc. (STBA), based in Indiana, Pennsylvania, serves as the holding company for S&T Bank, focusing on consumer, business, and commercial real estate lending across Pennsylvania, Ohio, and West Virginia. Shares trade near $44, within a 52-week range of $34 to $45. Recent weeks have seen stable trading, bolstered by a $100 million share repurchase authorization and a $0.36 quarterly dividend declaration. With Q1 2026 earnings anticipated soon, prior results showed diluted EPS of $3.49 TTM (trailing twelve months). Performance reflects prudent capital management and mid-single-digit loan growth outlook, though softer NII trends have tempered gains in a high-rate environment.
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Head-to-Head Comparison
Both BANF and STBA operate similar business models as regional banks, emphasizing commercial real estate and deposits, but differ in scale and exposure: BANF's Oklahoma focus contrasts STBA's multi-state Northeast footprint. Growth drivers include loan expansion, with BANF showing deposit gains versus STBA's buyback emphasis. Recent momentum favors BANF post-earnings, while STBA offers higher dividend yield around 3.2%. Risk factors like interest rate sensitivity and non-performing loans (NCOs, net charge-offs) are comparable, but BANF's larger P/E (16x) signals growth premium over STBA's 12x. Market sentiment leans positive for both amid regional banking recovery.
Tickeron AI Verdict
Tickeron’s AI analysis favors STBA as the stronger long-term pick over BANF, citing better relative valuation and stability in current trends. While BANF exhibits short-term momentum from earnings catalysts, STBA's consistent dividends, buyback support, and lower risk positioning offer higher probability of sustained outperformance in a stabilizing rate environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BANF is a Hold and STBA is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BANF’s FA Score shows that 0 FA rating(s) are green whileSTBA’s FA Score has 2 green FA rating(s).
- BANF’s FA Score: 0 green, 5 red.
- STBA’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BANF’s TA Score shows that 6 TA indicator(s) are bullish while STBA’s TA Score has 4 bullish TA indicator(s).
- BANF’s TA Score: 6 bullish, 3 bearish.
- STBA’s TA Score: 4 bullish, 4 bearish.
Price Growth
BANF (@Regional Banks) experienced а +1.10% price change this week, while STBA (@Regional Banks) price change was +1.74% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.08%. For the same industry, the average monthly price growth was +5.42%, and the average quarterly price growth was +10.09%.
Reported Earning Dates
BANF is expected to report earnings on Jul 16, 2026.
STBA is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+0.08% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BANF | STBA | BANF / STBA | |
| Capitalization | 3.83B | 1.7B | 225% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 8.084 | 22.283 | 36% |
| P/E Ratio | 15.63 | 13.29 | 118% |
| Revenue | 705M | 410M | 172% |
| Total Cash | 205M | 74M | 277% |
| Total Debt | 101M | 150M | 67% |
BANF | STBA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 40 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 80 Overvalued | 39 Fair valued | |
PROFIT vs RISK RATING 1..100 | 42 | 28 | |
SMR RATING 1..100 | 35 | 47 | |
PRICE GROWTH RATING 1..100 | 51 | 44 | |
P/E GROWTH RATING 1..100 | 68 | 29 | |
SEASONALITY SCORE 1..100 | n/a | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
STBA's Valuation (39) in the Regional Banks industry is somewhat better than the same rating for BANF (80). This means that STBA’s stock grew somewhat faster than BANF’s over the last 12 months.
STBA's Profit vs Risk Rating (28) in the Regional Banks industry is in the same range as BANF (42). This means that STBA’s stock grew similarly to BANF’s over the last 12 months.
BANF's SMR Rating (35) in the Regional Banks industry is in the same range as STBA (47). This means that BANF’s stock grew similarly to STBA’s over the last 12 months.
STBA's Price Growth Rating (44) in the Regional Banks industry is in the same range as BANF (51). This means that STBA’s stock grew similarly to BANF’s over the last 12 months.
STBA's P/E Growth Rating (29) in the Regional Banks industry is somewhat better than the same rating for BANF (68). This means that STBA’s stock grew somewhat faster than BANF’s over the last 12 months.
| BANF | STBA | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 74% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 80% | 2 days ago 77% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 63% | 2 days ago 54% |
| Advances ODDS (%) | 6 days ago 64% | 8 days ago 65% |
| Declines ODDS (%) | 17 days ago 65% | 21 days ago 65% |
| BollingerBands ODDS (%) | 2 days ago 50% | 2 days ago 59% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 45% |
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BANF and
Correlation & Price change
A.I.dvisor indicates that over the last year, BANF has been closely correlated with BUSE. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BANF jumps, then BUSE could also see price increases.
| Ticker / NAME | Correlation To BANF | 1D Price Change % | ||
|---|---|---|---|---|
| BANF | 100% | +0.59% | ||
| BUSE - BANF | 85% Closely correlated | +0.28% | ||
| TRMK - BANF | 85% Closely correlated | +0.22% | ||
| STBA - BANF | 84% Closely correlated | +0.13% | ||
| SFNC - BANF | 83% Closely correlated | +0.36% | ||
| EFSC - BANF | 83% Closely correlated | -0.08% | ||
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STBA and
Correlation & Price change
A.I.dvisor indicates that over the last year, STBA has been closely correlated with FCF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if STBA jumps, then FCF could also see price increases.
| Ticker / NAME | Correlation To STBA | 1D Price Change % | ||
|---|---|---|---|---|
| STBA | 100% | +0.13% | ||
| FCF - STBA | 87% Closely correlated | +0.10% | ||
| NBTB - STBA | 87% Closely correlated | -0.15% | ||
| PRK - STBA | 87% Closely correlated | +0.68% | ||
| UBSI - STBA | 86% Closely correlated | +0.42% | ||
| FRME - STBA | 86% Closely correlated | +0.24% | ||
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