Annual Income Statements for BFC Capital Trust II PFD TR 7.20%
This table shows BFC Capital Trust II PFD TR 7.20%'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for BFC Capital Trust II PFD TR 7.20%
This table shows BFC Capital Trust II PFD TR 7.20%'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
59 |
63 |
| Consolidated Net Income / (Loss) |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
59 |
63 |
| Net Income / (Loss) Continuing Operations |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
59 |
63 |
| Total Pre-Tax Income |
|
65 |
60 |
64 |
65 |
74 |
72 |
71 |
80 |
79 |
75 |
80 |
| Total Revenue |
|
149 |
150 |
151 |
154 |
164 |
163 |
165 |
169 |
175 |
181 |
179 |
| Net Interest Income / (Expense) |
|
104 |
105 |
106 |
110 |
115 |
116 |
116 |
121 |
126 |
128 |
128 |
| Total Interest Income |
|
160 |
167 |
172 |
178 |
188 |
186 |
182 |
188 |
194 |
195 |
190 |
| Loans and Leases Interest Income |
|
122 |
127 |
132 |
138 |
144 |
141 |
137 |
139 |
144 |
146 |
144 |
| Investment Securities Interest Income |
|
9.28 |
9.20 |
9.20 |
8.95 |
8.36 |
7.86 |
7.02 |
6.90 |
6.52 |
6.31 |
5.93 |
| Deposits and Money Market Investments Interest Income |
|
29 |
32 |
30 |
32 |
35 |
38 |
38 |
42 |
44 |
43 |
40 |
| Federal Funds Sold and Securities Borrowed Interest Income |
|
0.06 |
0.05 |
0.02 |
0.01 |
0.00 |
0.01 |
0.00 |
0.00 |
0.00 |
0.46 |
0.41 |
| Total Interest Expense |
|
56 |
62 |
66 |
69 |
73 |
70 |
67 |
67 |
69 |
67 |
63 |
| Deposits Interest Expense |
|
55 |
61 |
64 |
67 |
72 |
69 |
65 |
66 |
68 |
66 |
61 |
| Short-Term Borrowings Interest Expense |
|
0.05 |
0.05 |
0.10 |
0.06 |
0.05 |
0.03 |
0.01 |
0.05 |
0.10 |
0.13 |
0.14 |
| Long-Term Debt Interest Expense |
|
1.03 |
1.03 |
1.03 |
1.03 |
1.03 |
1.03 |
1.03 |
1.03 |
1.03 |
1.08 |
1.07 |
| Other Interest Expense |
|
- |
- |
- |
- |
- |
- |
0.00 |
- |
- |
- |
0.13 |
| Total Non-Interest Income |
|
44 |
45 |
45 |
44 |
49 |
47 |
49 |
48 |
50 |
53 |
51 |
| Trust Fees by Commissions |
|
8.18 |
7.88 |
8.65 |
9.15 |
9.19 |
9.22 |
10 |
11 |
10 |
10 |
11 |
| Other Service Charges |
|
14 |
16 |
15 |
11 |
16 |
13 |
16 |
13 |
14 |
17 |
15 |
| Net Realized & Unrealized Capital Gains on Investments |
|
0.84 |
1.43 |
0.17 |
0.73 |
0.35 |
0.72 |
0.64 |
1.67 |
1.47 |
0.73 |
1.51 |
| Other Non-Interest Income |
|
22 |
20 |
22 |
23 |
23 |
24 |
22 |
23 |
24 |
25 |
24 |
| Provision for Credit Losses |
|
2.31 |
- |
4.02 |
3.36 |
3.03 |
-1.40 |
1.59 |
1.24 |
4.44 |
-1.47 |
2.14 |
| Total Non-Interest Expense |
|
81 |
90 |
83 |
85 |
87 |
92 |
92 |
88 |
92 |
107 |
97 |
| Salaries and Employee Benefits |
|
50 |
51 |
52 |
52 |
54 |
54 |
55 |
55 |
58 |
59 |
59 |
| Net Occupancy & Equipment Expense |
|
7.31 |
7.66 |
7.82 |
7.93 |
8.50 |
8.70 |
8.65 |
9.02 |
9.34 |
9.99 |
9.73 |
| Marketing Expense |
|
2.03 |
2.65 |
2.26 |
2.25 |
2.17 |
2.72 |
2.46 |
2.33 |
2.13 |
3.12 |
2.64 |
| Other Operating Expenses |
|
16 |
23 |
16 |
18 |
16 |
21 |
21 |
16 |
17 |
30 |
20 |
| Depreciation Expense |
|
4.69 |
4.56 |
4.56 |
4.50 |
4.48 |
4.59 |
4.81 |
4.69 |
4.73 |
4.87 |
4.82 |
| Amortization Expense |
|
0.89 |
0.89 |
0.89 |
0.89 |
0.89 |
0.89 |
0.89 |
0.86 |
0.86 |
0.84 |
0.98 |
| Income Tax Expense |
|
14 |
11 |
14 |
15 |
15 |
16 |
15 |
17 |
16 |
16 |
17 |
| Basic Earnings per Share |
|
$1.55 |
$1.48 |
$1.53 |
$1.53 |
$1.78 |
$1.71 |
$1.69 |
$1.87 |
$1.88 |
$1.78 |
$1.88 |
| Weighted Average Basic Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Diluted Earnings per Share |
|
$1.52 |
$1.46 |
$1.50 |
$1.51 |
$1.75 |
$1.68 |
$1.66 |
$1.85 |
$1.85 |
$1.75 |
$1.85 |
| Weighted Average Diluted Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Cash Dividends to Common per Share |
|
$0.43 |
- |
$0.43 |
$0.43 |
$0.46 |
- |
$0.46 |
$0.46 |
$0.49 |
- |
$0.49 |
Annual Cash Flow Statements for BFC Capital Trust II PFD TR 7.20%
This table details how cash moves in and out of BFC Capital Trust II PFD TR 7.20%'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Net Change in Cash & Equivalents |
|
-316 |
252 |
-93 |
-334 |
444 |
-251 |
433 |
1,119 |
-771 |
1,156 |
851 |
| Net Cash From Operating Activities |
|
78 |
91 |
110 |
140 |
159 |
155 |
204 |
226 |
233 |
261 |
285 |
| Net Cash From Continuing Operating Activities |
|
78 |
91 |
110 |
140 |
159 |
155 |
204 |
226 |
233 |
261 |
285 |
| Net Income / (Loss) Continuing Operations |
|
66 |
71 |
86 |
126 |
135 |
100 |
168 |
193 |
212 |
216 |
241 |
| Consolidated Net Income / (Loss) |
|
66 |
71 |
86 |
126 |
135 |
100 |
168 |
193 |
212 |
216 |
241 |
| Provision For Loan Losses |
|
7.68 |
12 |
8.51 |
3.80 |
8.29 |
63 |
-8.69 |
10 |
7.46 |
9.00 |
5.67 |
| Depreciation Expense |
|
12 |
12 |
12 |
14 |
16 |
18 |
20 |
22 |
22 |
22 |
23 |
| Amortization Expense |
|
1.02 |
0.13 |
-0.15 |
-0.42 |
-4.28 |
-0.09 |
4.41 |
2.62 |
-1.27 |
-1.05 |
-0.72 |
| Non-Cash Adjustments to Reconcile Net Income |
|
-7.51 |
-2.74 |
6.07 |
-0.52 |
3.22 |
-24 |
17 |
12 |
-5.64 |
9.40 |
15 |
| Changes in Operating Assets and Liabilities, net |
|
-1.10 |
-1.43 |
-2.92 |
-2.21 |
0.87 |
-1.97 |
3.60 |
-14 |
-2.16 |
5.82 |
2.05 |
| Net Cash From Investing Activities |
|
-265 |
-98 |
-350 |
-294 |
50 |
-899 |
423 |
-1,519 |
-670 |
-71 |
16 |
| Net Cash From Continuing Investing Activities |
|
-265 |
-98 |
-350 |
-294 |
50 |
-899 |
423 |
-1,519 |
-670 |
-71 |
16 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-11 |
-11 |
-18 |
-52 |
-27 |
-66 |
-27 |
-20 |
-23 |
-37 |
-48 |
| Acquisitions |
|
- |
- |
- |
- |
0.00 |
0.00 |
-14 |
0.00 |
0.00 |
0.00 |
0.00 |
| Purchase of Investment Securities |
|
-341 |
-402 |
-417 |
-473 |
-489 |
-1,406 |
-60 |
-2,407 |
-1,174 |
-764 |
-659 |
| Sale and/or Maturity of Investments |
|
74 |
316 |
91 |
216 |
597 |
575 |
517 |
917 |
533 |
741 |
748 |
| Net Increase in Fed Funds Sold |
|
13 |
-0.70 |
- |
24 |
-1.00 |
1.00 |
14 |
0.56 |
1.53 |
0.60 |
6.30 |
| Other Investing Activities, net |
|
- |
- |
-5.22 |
-8.86 |
-29 |
-2.20 |
-7.46 |
-9.71 |
-7.64 |
-13 |
-31 |
| Net Cash From Financing Activities |
|
-129 |
260 |
147 |
-180 |
235 |
492 |
-194 |
2,412 |
-335 |
966 |
550 |
| Net Cash From Continuing Financing Activities |
|
-129 |
260 |
147 |
-180 |
235 |
492 |
-194 |
2,412 |
-335 |
966 |
550 |
| Net Change in Deposits |
|
-106 |
275 |
167 |
-140 |
274 |
536 |
-192 |
2,452 |
-285 |
1,018 |
611 |
| Issuance of Debt |
|
- |
- |
0.40 |
0.78 |
-0.58 |
3.00 |
58 |
0.30 |
3.05 |
-3.35 |
10 |
| Issuance of Common Equity |
|
4.43 |
13 |
4.84 |
2.24 |
2.48 |
1.79 |
2.26 |
7.65 |
2.54 |
9.20 |
4.68 |
| Repayment of Debt |
|
-3.48 |
- |
- |
-5.16 |
0.00 |
-3.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-14 |
| Repurchase of Common Equity |
|
-1.65 |
-5.52 |
- |
-7.91 |
-1.60 |
-3.10 |
-12 |
0.00 |
-1.82 |
0.00 |
0.00 |
| Payment of Dividends |
|
-21 |
-23 |
-25 |
-30 |
-40 |
-42 |
-45 |
-48 |
-54 |
-58 |
-62 |
| Cash Interest Paid |
|
12 |
15 |
21 |
42 |
55 |
22 |
12 |
43 |
192 |
271 |
269 |
| Cash Income Taxes Paid |
|
34 |
33 |
41 |
28 |
31 |
27 |
31 |
35 |
52 |
47 |
55 |
Quarterly Cash Flow Statements for BFC Capital Trust II PFD TR 7.20%
This table details how cash moves in and out of BFC Capital Trust II PFD TR 7.20%'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Change in Cash & Equivalents |
|
-72 |
61 |
128 |
-32 |
499 |
562 |
420 |
23 |
57 |
350 |
280 |
| Net Cash From Operating Activities |
|
61 |
43 |
66 |
100 |
78 |
17 |
77 |
78 |
75 |
55 |
76 |
| Net Cash From Continuing Operating Activities |
|
61 |
43 |
66 |
100 |
78 |
17 |
77 |
78 |
75 |
55 |
76 |
| Net Income / (Loss) Continuing Operations |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
59 |
63 |
| Consolidated Net Income / (Loss) |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
59 |
63 |
| Provision For Loan Losses |
|
2.31 |
- |
4.02 |
3.36 |
3.03 |
-1.40 |
1.59 |
1.39 |
4.44 |
-1.74 |
2.14 |
| Depreciation Expense |
|
5.57 |
5.45 |
5.44 |
5.39 |
5.37 |
5.48 |
5.69 |
5.55 |
5.59 |
5.71 |
5.79 |
| Amortization Expense |
|
-0.31 |
-0.39 |
-0.31 |
-0.32 |
-0.22 |
-0.20 |
-0.06 |
-0.18 |
-0.20 |
-0.29 |
-0.43 |
| Non-Cash Adjustments to Reconcile Net Income |
|
5.44 |
-12 |
5.98 |
40 |
9.48 |
-46 |
15 |
7.38 |
5.44 |
-12 |
7.10 |
| Changes in Operating Assets and Liabilities, net |
|
-2.90 |
1.13 |
0.86 |
1.38 |
1.03 |
2.55 |
-1.05 |
1.63 |
-2.50 |
3.97 |
-1.75 |
| Net Cash From Investing Activities |
|
-167 |
-134 |
-141 |
-220 |
-27 |
317 |
-50 |
24 |
-73 |
115 |
-3.65 |
| Net Cash From Continuing Investing Activities |
|
-167 |
-134 |
-141 |
-220 |
-27 |
317 |
-50 |
24 |
-73 |
115 |
-3.65 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-4.68 |
-4.81 |
-10 |
-6.02 |
-5.24 |
-15 |
-11 |
-14 |
-12 |
-12 |
-11 |
| Purchase of Investment Securities |
|
-235 |
-487 |
-131 |
-315 |
-135 |
-182 |
-72 |
-43 |
-166 |
-378 |
-83 |
| Sale and/or Maturity of Investments |
|
78 |
353 |
0.51 |
103 |
115 |
522 |
46 |
83 |
106 |
514 |
4.59 |
| Net Increase in Fed Funds Sold |
|
-2.39 |
5.56 |
0.11 |
0.11 |
1.10 |
-0.72 |
0.20 |
0.52 |
- |
5.59 |
92 |
| Other Investing Activities, net |
|
-2.86 |
-0.97 |
-0.43 |
-2.04 |
-3.41 |
-6.77 |
-13 |
-3.34 |
-1.19 |
-14 |
-6.01 |
| Net Cash From Financing Activities |
|
33 |
152 |
203 |
88 |
448 |
228 |
394 |
-79 |
55 |
180 |
208 |
| Net Cash From Continuing Financing Activities |
|
33 |
152 |
203 |
88 |
448 |
228 |
394 |
-79 |
55 |
180 |
208 |
| Net Change in Deposits |
|
48 |
166 |
209 |
106 |
459 |
244 |
408 |
-71 |
62 |
211 |
231 |
| Issuance of Debt |
|
0.08 |
-0.63 |
6.35 |
-5.44 |
0.17 |
-4.43 |
0.00 |
5.86 |
5.82 |
-1.67 |
4.98 |
| Issuance of Common Equity |
|
0.09 |
0.48 |
0.85 |
1.71 |
3.63 |
3.01 |
0.89 |
1.09 |
2.62 |
0.08 |
0.78 |
| Repayment of Debt |
|
- |
- |
- |
- |
- |
- |
0.00 |
- |
- |
- |
-12 |
| Payment of Dividends |
|
-13 |
-14 |
-14 |
-14 |
-14 |
-15 |
-15 |
-15 |
-15 |
-16 |
-16 |
| Cash Interest Paid |
|
54 |
60 |
62 |
67 |
72 |
71 |
67 |
67 |
69 |
66 |
63 |
| Cash Income Taxes Paid |
|
12 |
9.72 |
0.25 |
22 |
14 |
10 |
1.98 |
14 |
12 |
26 |
0.00 |
Annual Balance Sheets for BFC Capital Trust II PFD TR 7.20%
This table presents BFC Capital Trust II PFD TR 7.20%'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Total Assets |
|
6,693 |
7,019 |
7,253 |
7,574 |
8,566 |
9,212 |
9,406 |
12,388 |
12,372 |
13,554 |
14,839 |
| Cash and Due from Banks |
|
203 |
184 |
216 |
228 |
222 |
281 |
229 |
259 |
225 |
238 |
227 |
| Federal Funds Sold |
|
- |
0.70 |
0.70 |
- |
1.00 |
0.00 |
0.80 |
2.85 |
1.32 |
0.72 |
92 |
| Interest Bearing Deposits at Other Banks |
|
1,395 |
1,667 |
1,542 |
1,196 |
1,646 |
1,336 |
1,821 |
2,910 |
2,172 |
3,316 |
4,177 |
| Trading Account Securities |
|
553 |
470 |
464 |
772 |
492 |
555 |
535 |
1,541 |
1,555 |
1,212 |
925 |
| Loans and Leases, Net of Allowance |
|
4,190 |
4,352 |
4,670 |
4,925 |
5,608 |
6,303 |
6,086 |
6,851 |
-97 |
-99 |
-104 |
| Allowance for Loan and Lease Losses |
|
42 |
49 |
52 |
51 |
54 |
91 |
84 |
93 |
97 |
99 |
104 |
| Loans Held for Sale |
|
14 |
9.32 |
6.17 |
8.17 |
11 |
54 |
25 |
6.23 |
3.49 |
8.07 |
12 |
| Premises and Equipment, Net |
|
127 |
127 |
134 |
174 |
206 |
262 |
269 |
278 |
279 |
296 |
326 |
| Goodwill |
|
54 |
54 |
54 |
80 |
149 |
150 |
150 |
182 |
182 |
182 |
183 |
| Intangible Assets |
|
16 |
13 |
11 |
16 |
23 |
19 |
18 |
20 |
17 |
13 |
21 |
| Other Assets |
|
141 |
143 |
155 |
175 |
208 |
253 |
273 |
338 |
8,034 |
8,388 |
8,980 |
| Total Liabilities & Shareholders' Equity |
|
6,693 |
7,019 |
7,253 |
7,574 |
8,566 |
9,212 |
9,406 |
12,388 |
12,372 |
13,554 |
14,839 |
| Total Liabilities |
|
6,037 |
6,308 |
6,478 |
6,671 |
7,561 |
8,144 |
8,234 |
11,137 |
10,938 |
11,933 |
12,985 |
| Non-Interest Bearing Deposits |
|
2,410 |
2,527 |
2,550 |
2,614 |
2,956 |
3,791 |
3,775 |
4,945 |
3,982 |
3,907 |
3,898 |
| Interest Bearing Deposits |
|
3,564 |
3,721 |
3,865 |
3,992 |
4,527 |
4,274 |
4,317 |
6,029 |
6,718 |
7,811 |
8,773 |
| Short-Term Debt |
|
0.50 |
0.50 |
0.90 |
1.68 |
1.10 |
1.10 |
0.00 |
0.30 |
3.35 |
0.00 |
22 |
| Long-Term Debt |
|
32 |
32 |
32 |
27 |
27 |
27 |
86 |
86 |
86 |
86 |
86 |
| Other Long-Term Liabilities |
|
32 |
27 |
30 |
37 |
49 |
52 |
56 |
76 |
149 |
128 |
206 |
| Total Equity & Noncontrolling Interests |
|
656 |
711 |
776 |
903 |
1,005 |
1,068 |
1,172 |
1,251 |
1,434 |
1,621 |
1,854 |
| Total Preferred & Common Equity |
|
656 |
711 |
776 |
903 |
1,005 |
1,068 |
1,172 |
1,251 |
1,434 |
1,621 |
1,854 |
| Preferred Stock |
|
- |
- |
- |
0.00 |
0.00 |
- |
- |
0.00 |
0.00 |
0.00 |
0.00 |
| Total Common Equity |
|
656 |
711 |
776 |
903 |
1,005 |
1,068 |
1,172 |
1,251 |
1,434 |
1,621 |
1,854 |
| Common Stock |
|
118 |
133 |
139 |
182 |
186 |
189 |
193 |
202 |
208 |
220 |
251 |
| Retained Earnings |
|
536 |
578 |
639 |
723 |
815 |
871 |
977 |
1,120 |
1,276 |
1,434 |
1,611 |
| Accumulated Other Comprehensive Income / (Loss) |
|
1.53 |
0.09 |
-2.33 |
-2.14 |
3.45 |
7.43 |
2.15 |
-72 |
-50 |
-33 |
-8.27 |
Quarterly Balance Sheets for BFC Capital Trust II PFD TR 7.20%
This table presents BFC Capital Trust II PFD TR 7.20%'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q1 2026 |
| Total Assets |
|
12,452 |
12,332 |
12,020 |
12,115 |
12,602 |
12,737 |
13,313 |
14,038 |
14,046 |
14,198 |
15,117 |
| Cash and Due from Banks |
|
227 |
213 |
221 |
203 |
183 |
194 |
248 |
268 |
260 |
205 |
254 |
| Federal Funds Sold |
|
3.88 |
1.08 |
4.48 |
6.88 |
1.21 |
1.10 |
0.00 |
0.52 |
0.00 |
0.00 |
0.00 |
| Interest Bearing Deposits at Other Banks |
|
3,106 |
2,624 |
2,188 |
2,134 |
2,342 |
2,299 |
2,744 |
3,706 |
3,738 |
3,850 |
4,431 |
| Trading Account Securities |
|
1,522 |
1,618 |
1,571 |
1,525 |
1,535 |
1,441 |
1,377 |
1,167 |
1,105 |
1,016 |
887 |
| Loans and Leases, Net of Allowance |
|
6,738 |
7,024 |
7,202 |
7,375 |
7,685 |
-100 |
-102 |
-100 |
-97 |
-100 |
-105 |
| Allowance for Loan and Lease Losses |
|
90 |
95 |
97 |
98 |
97 |
100 |
102 |
100 |
97 |
100 |
105 |
| Loans Held for Sale |
|
4.82 |
6.22 |
8.78 |
3.85 |
6.00 |
7.41 |
7.84 |
8.28 |
10 |
8.92 |
11 |
| Premises and Equipment, Net |
|
278 |
279 |
280 |
280 |
284 |
285 |
286 |
303 |
312 |
314 |
329 |
| Goodwill |
|
182 |
182 |
182 |
182 |
182 |
182 |
182 |
182 |
182 |
182 |
183 |
| Intangible Assets |
|
21 |
19 |
18 |
18 |
16 |
15 |
14 |
12 |
11 |
11 |
20 |
| Other Assets |
|
370 |
39 |
345 |
387 |
369 |
8,411 |
8,557 |
8,490 |
8,525 |
8,712 |
9,107 |
| Total Liabilities & Shareholders' Equity |
|
12,452 |
12,332 |
12,020 |
12,115 |
12,602 |
12,737 |
13,313 |
14,038 |
14,046 |
14,198 |
15,117 |
| Total Liabilities |
|
11,257 |
11,021 |
10,679 |
10,744 |
11,133 |
11,225 |
11,729 |
12,365 |
12,318 |
12,415 |
13,215 |
| Non-Interest Bearing Deposits |
|
5,203 |
4,540 |
4,286 |
4,171 |
3,850 |
3,816 |
3,859 |
4,028 |
3,968 |
3,816 |
4,106 |
| Interest Bearing Deposits |
|
5,856 |
6,070 |
6,190 |
6,364 |
7,060 |
7,200 |
7,616 |
8,099 |
8,089 |
8,302 |
8,795 |
| Short-Term Debt |
|
4.60 |
203 |
3.89 |
3.98 |
9.70 |
4.26 |
4.43 |
0.00 |
5.86 |
12 |
15 |
| Long-Term Debt |
|
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
| Other Long-Term Liabilities |
|
108 |
122 |
114 |
120 |
128 |
119 |
164 |
152 |
170 |
199 |
212 |
| Total Equity & Noncontrolling Interests |
|
1,195 |
1,311 |
1,341 |
1,371 |
1,469 |
1,512 |
1,585 |
1,673 |
1,728 |
1,783 |
1,902 |
| Total Preferred & Common Equity |
|
1,195 |
1,311 |
1,341 |
1,371 |
1,469 |
1,512 |
1,585 |
1,673 |
1,728 |
1,783 |
1,902 |
| Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Total Common Equity |
|
1,195 |
1,311 |
1,341 |
1,371 |
1,469 |
1,512 |
1,585 |
1,673 |
1,728 |
1,783 |
1,902 |
| Common Stock |
|
201 |
203 |
205 |
206 |
209 |
212 |
216 |
222 |
224 |
228 |
255 |
| Retained Earnings |
|
1,076 |
1,165 |
1,206 |
1,242 |
1,312 |
1,349 |
1,393 |
1,475 |
1,522 |
1,568 |
1,658 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-82 |
-57 |
-71 |
-77 |
-52 |
-48 |
-24 |
-24 |
-18 |
-13 |
-11 |
Annual Metrics And Ratios for BFC Capital Trust II PFD TR 7.20%
This table displays calculated financial ratios and metrics derived from BFC Capital Trust II PFD TR 7.20%'s official financial filings.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$2.13 |
$2.27 |
$2.72 |
$3.85 |
$4.13 |
$3.05 |
$5.12 |
$5.89 |
$6.45 |
$6.55 |
$7.22 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
31.06M |
31.73M |
32.63M |
32.61M |
32.70M |
32.75M |
32.63M |
32.89M |
32.94M |
33.23M |
33.55M |
| Adjusted Diluted Earnings per Share |
|
$2.09 |
$2.22 |
$2.65 |
$3.76 |
$4.05 |
$3.00 |
$5.03 |
$5.77 |
$6.34 |
$6.44 |
$7.11 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
31.06M |
31.73M |
32.63M |
32.61M |
32.70M |
32.75M |
32.63M |
32.89M |
32.94M |
33.23M |
33.55M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
31.06M |
31.73M |
32.63M |
32.61M |
32.70M |
32.75M |
32.63M |
32.89M |
32.94M |
33.23M |
33.55M |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Quarterly Metrics And Ratios for BFC Capital Trust II PFD TR 7.20%
This table displays calculated financial ratios and metrics derived from BFC Capital Trust II PFD TR 7.20%'s official financial filings.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| DEI Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
33,545,098.00 |
| DEI Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
33,545,098.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
1.88 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
-1.01% |
-5.23% |
-3.81% |
-0.04% |
10.02% |
8.46% |
9.16% |
10.05% |
7.22% |
- |
8.59% |
| EBITDA Growth |
|
-4.81% |
-12.94% |
-12.88% |
-6.74% |
12.14% |
18.04% |
10.81% |
21.37% |
6.72% |
- |
11.35% |
| EBIT Growth |
|
-4.55% |
-13.88% |
-13.63% |
-6.86% |
13.30% |
19.19% |
10.89% |
22.56% |
6.86% |
- |
12.64% |
| NOPAT Growth |
|
-7.88% |
-14.34% |
-12.51% |
-7.94% |
15.52% |
15.41% |
11.48% |
23.12% |
6.37% |
- |
12.27% |
| Net Income Growth |
|
-7.88% |
-14.34% |
-12.51% |
-7.94% |
15.52% |
15.41% |
11.48% |
23.12% |
6.37% |
- |
12.27% |
| EPS Growth |
|
-7.88% |
-14.12% |
-12.79% |
-7.93% |
15.13% |
15.07% |
10.67% |
22.52% |
5.71% |
- |
11.45% |
| Operating Cash Flow Growth |
|
2.77% |
-8.97% |
-4.58% |
67.82% |
26.99% |
-59.94% |
16.02% |
-21.99% |
-2.80% |
- |
-1.44% |
| Free Cash Flow Firm Growth |
|
-2,192.55% |
-514.47% |
129.97% |
-24.05% |
-25.60% |
7.07% |
-260.86% |
-27.46% |
8.18% |
- |
-31.49% |
| Invested Capital Growth |
|
13.60% |
13.92% |
-2.21% |
12.03% |
14.69% |
12.08% |
12.39% |
13.55% |
12.27% |
- |
13.88% |
| Revenue Q/Q Growth |
|
-3.34% |
0.99% |
0.52% |
1.88% |
6.39% |
-0.45% |
1.17% |
2.71% |
3.65% |
- |
-1.11% |
| EBITDA Q/Q Growth |
|
-6.40% |
-7.13% |
5.92% |
1.28% |
12.55% |
-2.24% |
-0.57% |
10.93% |
-1.03% |
- |
6.13% |
| EBIT Q/Q Growth |
|
-6.77% |
-7.39% |
6.30% |
1.49% |
13.41% |
-2.58% |
-1.11% |
12.17% |
-1.12% |
- |
6.64% |
| NOPAT Q/Q Growth |
|
-7.31% |
-4.03% |
2.86% |
0.61% |
16.31% |
-4.12% |
-0.64% |
11.11% |
0.49% |
- |
5.88% |
| Net Income Q/Q Growth |
|
-7.31% |
-4.03% |
2.86% |
0.61% |
16.31% |
-4.12% |
-0.64% |
11.11% |
0.49% |
- |
5.88% |
| EPS Q/Q Growth |
|
-7.32% |
-3.95% |
2.74% |
0.67% |
15.89% |
-4.00% |
-1.19% |
11.45% |
0.00% |
- |
5.71% |
| Operating Cash Flow Q/Q Growth |
|
2.39% |
-30.01% |
55.09% |
51.00% |
-22.52% |
-77.92% |
349.17% |
1.52% |
-3.46% |
- |
38.45% |
| Free Cash Flow Firm Q/Q Growth |
|
-26.49% |
-10.78% |
162.41% |
-241.86% |
-28.08% |
18.04% |
-8.03% |
-12.41% |
7.73% |
- |
7.35% |
| Invested Capital Q/Q Growth |
|
2.09% |
4.29% |
2.74% |
2.41% |
4.51% |
1.92% |
3.03% |
3.47% |
3.33% |
- |
2.08% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
47.39% |
43.58% |
45.92% |
45.66% |
48.30% |
47.43% |
46.62% |
50.35% |
48.07% |
- |
47.73% |
| EBIT Margin |
|
43.85% |
40.21% |
42.52% |
42.36% |
45.15% |
44.19% |
43.19% |
47.17% |
45.00% |
- |
44.73% |
| Profit (Net Income) Margin |
|
34.28% |
32.57% |
33.33% |
32.92% |
35.99% |
34.66% |
34.04% |
36.83% |
35.70% |
- |
35.19% |
| Tax Burden Percent |
|
78.17% |
81.01% |
78.39% |
77.71% |
79.70% |
78.44% |
78.94% |
78.21% |
79.34% |
- |
78.68% |
| Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
99.82% |
99.81% |
100.00% |
- |
100.00% |
| Effective Tax Rate |
|
21.83% |
18.99% |
21.61% |
22.29% |
20.30% |
21.56% |
21.06% |
21.79% |
20.66% |
- |
21.32% |
| Return on Invested Capital (ROIC) |
|
15.43% |
13.89% |
12.72% |
13.10% |
14.20% |
13.55% |
13.22% |
14.22% |
13.51% |
- |
13.19% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
15.43% |
13.89% |
12.72% |
13.10% |
14.20% |
13.55% |
13.22% |
14.22% |
13.51% |
- |
13.19% |
| Return on Net Nonoperating Assets (RNNOA) |
|
1.09% |
0.91% |
1.76% |
0.83% |
0.87% |
0.78% |
0.77% |
0.80% |
0.76% |
- |
0.69% |
| Return on Equity (ROE) |
|
16.52% |
14.80% |
14.48% |
13.93% |
15.07% |
14.33% |
13.98% |
15.02% |
14.26% |
- |
13.88% |
| Cash Return on Invested Capital (CROIC) |
|
3.33% |
1.84% |
15.20% |
1.90% |
-0.36% |
2.00% |
1.70% |
0.97% |
1.80% |
- |
0.18% |
| Operating Return on Assets (OROA) |
|
2.21% |
1.98% |
2.06% |
2.07% |
2.20% |
2.15% |
2.09% |
2.33% |
2.20% |
- |
2.16% |
| Return on Assets (ROA) |
|
1.72% |
1.60% |
1.61% |
1.61% |
1.75% |
1.69% |
1.65% |
1.82% |
1.75% |
- |
1.70% |
| Return on Common Equity (ROCE) |
|
16.52% |
14.80% |
14.48% |
13.93% |
15.07% |
14.33% |
13.98% |
15.02% |
14.26% |
- |
13.88% |
| Return on Equity Simple (ROE_SIMPLE) |
|
16.10% |
0.00% |
13.97% |
13.28% |
13.18% |
0.00% |
13.28% |
13.53% |
13.33% |
- |
13.01% |
| Net Operating Profit after Tax (NOPAT) |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
- |
63 |
| NOPAT Margin |
|
34.28% |
32.57% |
33.33% |
32.92% |
35.99% |
34.66% |
34.04% |
36.83% |
35.70% |
- |
35.19% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| SG&A Expenses to Revenue |
|
40.03% |
40.64% |
40.80% |
40.37% |
39.64% |
40.35% |
39.86% |
39.27% |
39.40% |
- |
39.79% |
| Operating Expenses to Revenue |
|
54.60% |
59.79% |
54.82% |
55.46% |
52.99% |
56.67% |
55.92% |
52.10% |
52.47% |
- |
54.07% |
| Earnings before Interest and Taxes (EBIT) |
|
65 |
60 |
64 |
65 |
74 |
72 |
71 |
80 |
79 |
- |
80 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
70 |
65 |
69 |
70 |
79 |
77 |
77 |
85 |
84 |
- |
85 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
2.05 |
2.19 |
1.96 |
1.91 |
2.19 |
2.39 |
2.18 |
2.38 |
2.36 |
- |
1.91 |
| Price to Tangible Book Value (P/TBV) |
|
2.40 |
2.55 |
2.27 |
2.20 |
2.50 |
2.72 |
2.47 |
2.68 |
2.65 |
- |
2.14 |
| Price to Revenue (P/Rev) |
|
4.54 |
5.16 |
4.78 |
4.79 |
5.62 |
6.15 |
5.66 |
6.22 |
6.26 |
- |
5.16 |
| Price to Earnings (P/E) |
|
12.71 |
14.81 |
14.05 |
14.40 |
16.64 |
17.94 |
16.44 |
17.57 |
17.73 |
- |
14.71 |
| Dividend Yield |
|
1.92% |
1.74% |
1.93% |
1.96% |
1.66% |
1.52% |
1.65% |
1.49% |
1.48% |
- |
1.78% |
| Earnings Yield |
|
7.87% |
6.75% |
7.12% |
6.94% |
6.01% |
5.57% |
6.08% |
5.69% |
5.64% |
- |
6.80% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.38 |
0.55 |
0.29 |
0.31 |
0.34 |
0.24 |
0.00 |
0.11 |
0.14 |
- |
0.00 |
| Enterprise Value to Revenue (EV/Rev) |
|
0.89 |
1.37 |
0.75 |
0.81 |
0.93 |
0.66 |
0.00 |
0.31 |
0.38 |
- |
0.00 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
1.83 |
2.88 |
1.61 |
1.78 |
2.02 |
1.40 |
0.00 |
0.64 |
0.79 |
- |
0.00 |
| Enterprise Value to EBIT (EV/EBIT) |
|
1.97 |
3.10 |
1.74 |
1.92 |
2.18 |
1.50 |
0.00 |
0.69 |
0.84 |
- |
0.00 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
2.49 |
3.94 |
2.21 |
2.44 |
2.75 |
1.91 |
0.00 |
0.87 |
1.07 |
- |
0.00 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
2.32 |
3.59 |
1.97 |
1.81 |
2.00 |
1.58 |
0.00 |
0.82 |
1.03 |
- |
0.00 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
12.02 |
31.81 |
1.88 |
17.01 |
0.00 |
12.79 |
0.00 |
12.27 |
7.96 |
- |
0.00 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
0.07 |
0.06 |
0.07 |
0.06 |
0.06 |
0.05 |
0.05 |
0.05 |
0.05 |
- |
0.05 |
| Long-Term Debt to Equity |
|
0.06 |
0.06 |
0.06 |
0.06 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
- |
0.05 |
| Financial Leverage |
|
0.07 |
0.07 |
0.14 |
0.06 |
0.06 |
0.06 |
0.06 |
0.06 |
0.06 |
- |
0.05 |
| Leverage Ratio |
|
9.58 |
9.22 |
8.97 |
8.68 |
8.60 |
8.49 |
8.48 |
8.27 |
8.17 |
- |
8.16 |
| Compound Leverage Factor |
|
9.58 |
9.22 |
8.97 |
8.68 |
8.60 |
8.49 |
8.46 |
8.25 |
8.17 |
- |
8.16 |
| Debt to Total Capital |
|
6.17% |
5.87% |
6.12% |
5.64% |
5.41% |
5.05% |
4.90% |
5.06% |
5.20% |
- |
5.05% |
| Short-Term Debt to Total Capital |
|
0.27% |
0.22% |
0.62% |
0.27% |
0.26% |
0.00% |
0.00% |
0.32% |
0.62% |
- |
0.75% |
| Long-Term Debt to Total Capital |
|
5.89% |
5.65% |
5.50% |
5.37% |
5.14% |
5.05% |
4.90% |
4.74% |
4.58% |
- |
4.30% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| Common Equity to Total Capital |
|
93.83% |
94.13% |
93.88% |
94.36% |
94.59% |
94.95% |
95.10% |
94.94% |
94.80% |
- |
94.95% |
| Debt to EBITDA |
|
0.30 |
0.31 |
0.34 |
0.33 |
0.32 |
0.29 |
0.28 |
0.29 |
0.30 |
- |
0.30 |
| Net Debt to EBITDA |
|
-7.50 |
-7.94 |
-8.66 |
-8.72 |
-10.21 |
-11.72 |
-12.82 |
-12.26 |
-12.22 |
- |
-13.66 |
| Long-Term Debt to EBITDA |
|
0.29 |
0.30 |
0.31 |
0.31 |
0.30 |
0.29 |
0.28 |
0.27 |
0.27 |
- |
0.26 |
| Debt to NOPAT |
|
0.41 |
0.42 |
0.47 |
0.45 |
0.43 |
0.40 |
0.39 |
0.39 |
0.41 |
- |
0.41 |
| Net Debt to NOPAT |
|
-10.21 |
-10.87 |
-11.84 |
-11.97 |
-13.90 |
-16.03 |
-17.51 |
-16.70 |
-16.65 |
- |
-18.52 |
| Long-Term Debt to NOPAT |
|
0.39 |
0.41 |
0.42 |
0.43 |
0.41 |
0.40 |
0.39 |
0.37 |
0.36 |
- |
0.35 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-124 |
-137 |
86 |
-121 |
-156 |
-128 |
-138 |
-155 |
-143 |
- |
-181 |
| Operating Cash Flow to CapEx |
|
1,305.86% |
889.25% |
647.00% |
1,663.09% |
1,482.20% |
113.13% |
680.38% |
568.42% |
644.14% |
- |
703.39% |
| Free Cash Flow to Firm to Interest Expense |
|
-2.22 |
-2.20 |
1.31 |
-1.77 |
-2.14 |
-1.81 |
-2.07 |
-2.31 |
-2.08 |
- |
-2.89 |
| Operating Cash Flow to Interest Expense |
|
1.09 |
0.69 |
1.01 |
1.46 |
1.07 |
0.24 |
1.16 |
1.16 |
1.10 |
- |
1.21 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
1.01 |
0.61 |
0.86 |
1.37 |
1.00 |
0.03 |
0.99 |
0.96 |
0.93 |
- |
1.04 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
- |
0.05 |
| Fixed Asset Turnover |
|
2.22 |
2.19 |
2.14 |
2.14 |
2.19 |
2.20 |
2.20 |
2.21 |
2.24 |
- |
2.23 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
1,461 |
1,523 |
1,565 |
1,603 |
1,675 |
1,707 |
1,759 |
1,820 |
1,881 |
- |
2,003 |
| Invested Capital Turnover |
|
0.45 |
0.43 |
0.38 |
0.40 |
0.39 |
0.39 |
0.39 |
0.39 |
0.38 |
- |
0.37 |
| Increase / (Decrease) in Invested Capital |
|
175 |
186 |
-35 |
172 |
215 |
184 |
194 |
217 |
206 |
- |
244 |
| Enterprise Value (EV) |
|
550 |
837 |
453 |
489 |
574 |
414 |
-238 |
204 |
255 |
- |
-944 |
| Market Capitalization |
|
2,804 |
3,146 |
2,884 |
2,893 |
3,476 |
3,882 |
3,651 |
4,109 |
4,212 |
- |
3,640 |
| Book Value per Share |
|
$41.61 |
$43.56 |
$44.54 |
$45.85 |
$47.99 |
$48.94 |
$50.34 |
$51.98 |
$53.52 |
- |
$56.70 |
| Tangible Book Value per Share |
|
$35.54 |
$37.51 |
$38.53 |
$39.87 |
$42.04 |
$43.04 |
$44.49 |
$46.16 |
$47.73 |
- |
$50.62 |
| Total Capital |
|
1,461 |
1,523 |
1,565 |
1,603 |
1,675 |
1,707 |
1,759 |
1,820 |
1,881 |
- |
2,003 |
| Total Debt |
|
90 |
89 |
96 |
90 |
91 |
86 |
86 |
92 |
98 |
- |
101 |
| Total Long-Term Debt |
|
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
- |
86 |
| Net Debt |
|
-2,254 |
-2,309 |
-2,430 |
-2,404 |
-2,902 |
-3,468 |
-3,889 |
-3,905 |
-3,957 |
- |
-4,583 |
| Capital Expenditures (CapEx) |
|
4.68 |
4.81 |
10 |
6.02 |
5.24 |
15 |
11 |
14 |
12 |
- |
11 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
90 |
89 |
96 |
90 |
91 |
86 |
86 |
92 |
98 |
- |
101 |
| Total Depreciation and Amortization (D&A) |
|
5.26 |
5.06 |
5.14 |
5.07 |
5.15 |
5.28 |
5.64 |
5.38 |
5.39 |
- |
5.36 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$1.55 |
$1.48 |
$1.53 |
$1.53 |
$1.78 |
$1.71 |
$1.69 |
$1.87 |
$1.88 |
$1.78 |
$1.88 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Adjusted Diluted Earnings per Share |
|
$1.52 |
$1.46 |
$1.50 |
$1.51 |
$1.75 |
$1.68 |
$1.66 |
$1.85 |
$1.85 |
$1.75 |
$1.85 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
32.92M |
32.94M |
32.99M |
33.02M |
33.13M |
33.23M |
33.24M |
33.31M |
33.33M |
33.55M |
33.59M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
51 |
49 |
50 |
51 |
59 |
56 |
56 |
62 |
63 |
- |
63 |
| Normalized NOPAT Margin |
|
34.28% |
32.57% |
33.33% |
32.92% |
35.99% |
34.66% |
34.04% |
36.83% |
35.70% |
- |
35.19% |
| Pre Tax Income Margin |
|
43.85% |
40.21% |
42.52% |
42.36% |
45.15% |
44.19% |
43.12% |
47.09% |
45.00% |
- |
44.73% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
1.17 |
0.97 |
0.98 |
0.95 |
1.02 |
1.02 |
1.07 |
1.19 |
1.15 |
- |
1.28 |
| NOPAT to Interest Expense |
|
0.91 |
0.78 |
0.77 |
0.74 |
0.81 |
0.80 |
0.84 |
0.93 |
0.91 |
- |
1.01 |
| EBIT Less CapEx to Interest Expense |
|
1.08 |
0.89 |
0.82 |
0.86 |
0.94 |
0.81 |
0.90 |
0.98 |
0.98 |
- |
1.11 |
| NOPAT Less CapEx to Interest Expense |
|
0.83 |
0.71 |
0.61 |
0.65 |
0.74 |
0.59 |
0.67 |
0.72 |
0.74 |
- |
0.83 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
23.85% |
25.25% |
26.63% |
27.71% |
27.15% |
26.70% |
26.51% |
25.66% |
25.72% |
- |
25.60% |
| Augmented Payout Ratio |
|
24.68% |
26.10% |
26.63% |
27.71% |
27.15% |
26.70% |
26.51% |
25.66% |
25.72% |
- |
25.60% |
Key Financial Trends
BancFirst (NASDAQ: BANF) continues to show a strong earnings profile, but its balance sheet and funding mix suggest the usual bank trade-offs: solid profitability with some sensitivity to deposit flows and interest rates. Over the last several years, the company has generally produced steady quarterly net income in the mid-$50 million to low-$60 million range, while revenue has remained resilient. The most recent quarter, Q1 2026, showed continued profitability and strong operating cash flow, but also a notable rise in deposits and borrowing activity that investors should watch.
- Profitability remains strong. Q1 2026 net income attributable to common shareholders was $63.0 million, up from $59.5 million in Q4 2025 and $56.1 million in Q1 2025.
- Earnings per share are holding up well. Diluted EPS was $1.85 in Q1 2026 versus $1.75 in Q4 2025 and $1.66 in Q1 2025.
- Operating cash flow is healthy. Q1 2026 operating cash flow reached $75.8 million, a solid level for a regional bank.
- Deposits grew sharply in Q1 2026. Net change in deposits was +$230.7 million, which supports lending capacity and balance sheet growth.
- Revenue stayed steady at a high level. Total revenue in Q1 2026 was $179.0 million, essentially in line with the prior quarter’s $181.0 million.
- Net interest income remained stable. Q1 2026 net interest income was $127.6 million, slightly above Q4 2025 and well above Q1 2025.
- Non-interest income continues to be meaningful. Fee and service income remains an important contributor, helping diversify earnings beyond spread income.
- Book equity increased year over year. Total common equity rose to $1.90 billion in Q1 2026 from $1.78 billion in Q3 2025 and $1.67 billion in Q1 2025.
- Asset growth has been steady. Total assets increased to $15.12 billion in Q1 2026 from $14.20 billion in Q3 2025 and $14.04 billion in Q1 2025.
- Loan growth has been modest but positive. Loans and leases increased over the last year, suggesting gradual expansion rather than aggressive growth.
- Interest expense remains elevated. Deposits interest expense was $61.2 million in Q1 2026, keeping funding costs meaningful even as earnings hold up.
- Provisioning has ticked higher. Q1 2026 provision for credit losses was $2.1 million, up from negative or lower levels in some prior quarters, which may indicate a more cautious credit outlook.
- Non-interest expense is still large. Q1 2026 total non-interest expense was $96.8 million, a sizable drag even though revenue remains strong.
- Deposit and funding swings can be volatile. Some recent quarters showed large changes in deposits and financing cash flows, which is common in banking but worth monitoring.
- Capital return is meaningful but adds to cash use. The company continues paying dividends, with Q1 2026 dividends per share at $0.49, which supports income investors but reduces retained cash.
Bottom line: BancFirst looks like a consistently profitable regional bank with solid cash generation and a stable earnings trend. The main risks are rising funding costs, credit provisioning, and the need to keep managing deposit flows carefully. For retail investors, the stock appears fundamentally steady rather than flashy, with performance likely to depend on whether management can keep margins stable while growing deposits and controlling expenses.
06/10/26 04:14 AM ETAI Generated. May Contain Errors.