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BANF vs. UCBI
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

BANF vs. UCBI

Last updated Apr 2, 2026

Compare and contrast key facts about BancFirst Corporation (BANF) and United Community Banks, Inc. (UCBI).

Performance

BANF vs. UCBI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in BancFirst Corporation (BANF) and United Community Banks, Inc. (UCBI). The values are adjusted to include any dividend payments, if applicable.

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BANF vs. UCBI - Yearly Performance Comparison

2026 (YTD)20252024
BANF
BancFirst Corporation		3.49%-8.04%9.70%
UCBI
United Community Banks, Inc.		0.00%0.00%-9.61%

Fundamentals

EPS

BANF:

$7.02

UCBI:

$2.69

PE Ratio

BANF:

15.55

UCBI:

10.33

PEG Ratio

BANF:

1.71

UCBI:

6.03

PS Ratio

BANF:

4.21

UCBI:

3.19

Total Revenue (TTM)

BANF:

$876.73M

UCBI:

$1.06B

Gross Profit (TTM)

BANF:

$666.77M

UCBI:

$663.73M

EBITDA (TTM)

BANF:

$318.50M

UCBI:

$709.04M

Returns By Period

BANF

1D
0.66%
1M
-2.91%
YTD
3.49%
6M
-11.99%
1Y
1.27%
3Y*
11.49%
5Y*
11.04%
10Y*
16.58%

UCBI

1D
—
1M
—
YTD
—
6M
—
1Y
—
3Y*
—
5Y*
—
10Y*
—
*Multi-year figures are annualized to reflect compound growth (CAGR)

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BancFirst Corporation

United Community Banks, Inc.

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Return for Risk

BANF vs. UCBI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
BANF
BANF Risk / Return Rank: 3939
Overall Rank
BANF Sharpe Ratio Rank: 4242
Sharpe Ratio Rank
BANF Sortino Ratio Rank: 3636
Sortino Ratio Rank
BANF Omega Ratio Rank: 3535
Omega Ratio Rank
BANF Calmar Ratio Rank: 4242
Calmar Ratio Rank
BANF Martin Ratio Rank: 4141
Martin Ratio Rank
UCBI
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BANF vs. UCBI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for BancFirst Corporation (BANF) and United Community Banks, Inc. (UCBI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

BANFUCBIDifference

Sharpe ratio

Return per unit of total volatility

0.04

—

—

Sortino ratio

Return per unit of downside risk

0.26

—

—

Omega ratio

Gain probability vs. loss probability

1.03

—

—

Calmar ratio

Return relative to maximum drawdown

0.05

—

—

Martin ratio

Return relative to average drawdown

0.08

—

—

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

BANF vs. UCBI - Sharpe Ratio Comparison

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Sharpe Ratios by Period

BANFUCBIDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

0.04

—

—

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.36

—

—

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.47

—

—

Sharpe Ratio (All Time)

Calculated using the full available price history

0.41

—

—

Correlation

The correlation between BANF and UCBI is 0.13, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

BANF vs. UCBI - Dividend Comparison

BANF's dividend yield for the trailing twelve months is around 1.77%, while UCBI has not paid dividends to shareholders.

TTM20252024202320222021202020192018201720162015
BANF
BancFirst Corporation		1.77%1.79%1.52%1.71%1.72%1.98%2.25%1.99%2.04%1.56%1.59%2.39%
UCBI
United Community Banks, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Drawdowns

BANF vs. UCBI - Drawdown Comparison

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Drawdown Indicators

BANFUCBIDifference

Max Drawdown

Largest peak-to-trough decline

-57.10%

—

—

Max Drawdown (1Y)

Largest decline over 1 year

-23.63%

—

—

Max Drawdown (5Y)

Largest decline over 5 years

-37.97%

—

—

Max Drawdown (10Y)

Largest decline over 10 years

-57.10%

—

—

Current Drawdown

Current decline from peak

-18.93%

—

—

Average Drawdown

Average peak-to-trough decline

-13.94%

—

—

Ulcer Index

Depth and duration of drawdowns from previous peaks

13.00%

—

—

Volatility

BANF vs. UCBI - Volatility Comparison

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Volatility by Period

BANFUCBIDifference

Volatility (1M)

Calculated over the trailing 1-month period

6.07%

—

—

Volatility (6M)

Calculated over the trailing 6-month period

20.68%

—

—

Volatility (1Y)

Calculated over the trailing 1-year period

29.11%

—

—

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

30.41%

—

—

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

35.73%

—

—

Financials

BANF vs. UCBI - Financials Comparison

This section allows you to compare key financial metrics between BancFirst Corporation and United Community Banks, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.

Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities

-200.00M-100.00M0.00100.00M200.00M300.00M400.00MAprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober
175.48M
278.39M
(BANF) Total Revenue
(UCBI) Total Revenue
Values in USD except per share items

BANF vs. UCBI - Profitability Comparison

The chart below illustrates the profitability comparison between BancFirst Corporation and United Community Banks, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.
Gross Margin
Operating Margin
Net Margin
Quarterly
Annual
50.0%60.0%70.0%80.0%90.0%100.0%AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober
97.6%
62.6%
Portfolio components
BANF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, BancFirst Corporation reported a gross profit of 171.26M and revenue of 175.48M. Therefore, the gross margin over that period was 97.6%.

UCBI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, United Community Banks, Inc. reported a gross profit of 174.27M and revenue of 278.39M. Therefore, the gross margin over that period was 62.6%.

BANF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, BancFirst Corporation reported an operating income of 78.97M and revenue of 175.48M, resulting in an operating margin of 45.0%.

UCBI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, United Community Banks, Inc. reported an operating income of 167.49M and revenue of 278.39M, resulting in an operating margin of 60.2%.

BANF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, BancFirst Corporation reported a net income of 62.65M and revenue of 175.48M, resulting in a net margin of 35.7%.

UCBI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, United Community Banks, Inc. reported a net income of 86.46M and revenue of 278.39M, resulting in a net margin of 31.1%.