Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in BancFirst Corporation, Cullen/Frost Bankers or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how BancFirst Corporation, Cullen/Frost Bankers and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About BancFirst Corporation, Cullen/Frost Bankers and Inc.

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses in the United States. It operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. The company offers checking, negotiable order of withdrawal, savings, money market, health savings, coverdell education, individual retirement, and sweep accounts, as well as certificates of deposit, overdraft protection, and auto draft services. It also provides commercial real estate owner occupied and non-owner occupied, construction and development, construction residential real estate, residential real estate first lien, agricultural, commercial and consumer non-real estate, and oil and gas loans; lending activities, such as private banking, commercial and residential real estate, commercial and industrial, and energy loans; automobiles, home equity loans, and other personal loans; and securities investment products. In addition, the company offers investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides commercial and personal insurance products; and depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Latest Banks and BancFirst Corporation, Cullen/Frost Bankers, Inc. Stock News

As of July 20, 2026, BancFirst Corporation had a $3.9 billion market capitalization, compared to the Banks median of $684.0 million. BancFirst Corporation’s stock is NA in 2026, NA in the previous five trading days and down 11.34% in the past year.

Currently, BancFirst Corporation’s price-earnings ratio is 15.9. BancFirst Corporation’s trailing 12-month revenue is $698.6 million with a 35.4% net profit margin. Year-over-year quarterly sales growth most recently was 8.3%. Analysts expect adjusted earnings to reach $7.337 per share for the current fiscal year. BancFirst Corporation currently has a 1.7% dividend yield.

Currently, Cullen/Frost Bankers, Inc.’s price-earnings ratio is 15.8. Cullen/Frost Bankers, Inc.’s trailing 12-month revenue is $2.2 billion with a 30.0% net profit margin. Year-over-year quarterly sales growth most recently was 7.8%. Analysts expect adjusted earnings to reach $10.695 per share for the current fiscal year. Cullen/Frost Bankers, Inc. currently has a 2.5% dividend yield.

How We Compare BancFirst Corporation, Cullen/Frost Bankers and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at BancFirst Corporation, Cullen/Frost Bankers and Inc.’s stock grades to see how they measure up against one another.

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BancFirst Corporation, Cullen/Frost Bankers and Inc.’s Quality Grades

Company	Ticker	Quality
BancFirst Corporation	BANF	F
Cullen/Frost Bankers, Inc.	CFR	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

BancFirst Corporation has a Quality Score of 19, which is Very Weak. Cullen/Frost Bankers, Inc. has a Quality Score of 35, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither BancFirst Corporation, Cullen/Frost Bankers or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if BancFirst Corporation, Cullen/Frost Bankers or Inc. is the better investment when it comes to quality.

BancFirst Corporation, Cullen/Frost Bankers and Inc.’s Momentum Grades

Company	Ticker	Momentum
BancFirst Corporation	BANF	D
Cullen/Frost Bankers, Inc.	CFR	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

BancFirst Corporation has a Momentum Score of 33, which is Weak. Cullen/Frost Bankers, Inc. has a Momentum Score of 62, which is Strong.

The Momentum Grade Winner: Cullen/Frost Bankers, Inc.

As you can clearly see from the Momentum Grade breakdown above, Cullen/Frost Bankers, Inc. is considered to have stronger momentum compared to BancFirst Corporation. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Cullen/Frost Bankers, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

BancFirst Corporation, Cullen/Frost Bankers and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
BancFirst Corporation	BANF	D
Cullen/Frost Bankers, Inc.	CFR	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

BancFirst Corporation has a Earnings Estimate Score of 34, which is Negative. Cullen/Frost Bankers, Inc. has a Earnings Estimate Score of 75, which is Positive.

The Earnings Estimate Revisions Grade Winner: Cullen/Frost Bankers, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Cullen/Frost Bankers, Inc. has a better Earnings Estimate Revisions Grade than BancFirst Corporation. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Cullen/Frost Bankers, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other BancFirst Corporation, Cullen/Frost Bankers and Inc. Grades

In addition to Quality, Momentum and Estimate Revisions, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether BancFirst Corporation, Cullen/Frost Bankers and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, BancFirst Corporation, Cullen/Frost Bankers or Inc. Stock?

Overall, BancFirst Corporation stock has a Momentum Score of 33, Estimate Revisions Score of 34 and Quality Score of 19.

Cullen/Frost Bankers, Inc. stock has a Momentum Score of 62, Estimate Revisions Score of 75 and Quality Score of 35.

Comparing BancFirst Corporation, Cullen/Frost Bankers and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.