On the stock market since 1990, it operates in the world of money and finance. It has 2,135 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 18% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 29% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 11% a year on average.
It pays out $1.93 per share each year — regular cash for whoever holds the stock.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 18/100. For a turnaround signal, the stock first needs to close the gap with the market.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 41/100.
On our five-subject report card, BANF sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: BANF is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.