BOKF Fundamental Analysis - BOK FINANCIAL CORPORATION

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BOKF. BOKF was compared to 396 industry peers in the Banks industry. BOKF may be in some trouble as it scores bad on both profitability and health. BOKF has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

BOKF had positive earnings in the past year.

In the past year BOKF had a positive cash flow from operations.

BOKF had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: BOKF reported negative operating cash flow in multiple years.

1.2 Ratios

BOKF's Return On Assets of 1.10% is fine compared to the rest of the industry. BOKF outperforms 73.48% of its industry peers.

The Return On Equity of BOKF (9.60%) is better than 62.88% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.1%
ROE	9.6%
ROIC	N/A

ROA(3y)1.06%

ROA(5y)1.07%

ROE(3y)10.2%

ROE(5y)10.05%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of BOKF (26.42%) is better than 67.42% of its industry peers.

In the last couple of years the Profit Margin of BOKF has declined.

BOKF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.42%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.26%

PM growth 5Y-1.67%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BOKF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BOKF has been reduced compared to 1 year ago.

Compared to 5 years ago, BOKF has less shares outstanding

Compared to 1 year ago, BOKF has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BOKF is 0.95, which is an excellent value as it means it would take BOKF, only 0.95 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 0.95, BOKF is doing good in the industry, outperforming 74.24% of the companies in the same industry.

BOKF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

BOKF has a Debt to Equity ratio (0.18) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	0.95
Altman-Z	N/A

ROIC/WACCN/A

WACC14.34%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.23% over the past year.

The Earnings Per Share has been growing slightly by 3.13% on average over the past years.

The Revenue has been growing slightly by 5.54% in the past year.

Measured over the past years, BOKF shows a small growth in Revenue. The Revenue has been growing by 2.55% on average per year.

EPS 1Y (TTM)15.23%

EPS 3Y-1.89%

EPS 5Y3.13%

EPS Q2Q%44.19%

Revenue 1Y (TTM)5.54%

Revenue growth 3Y3.05%

Revenue growth 5Y2.55%

Sales Q2Q%10.33%

3.2 Future

Based on estimates for the next years, BOKF will show a small growth in Earnings Per Share. The EPS will grow by 5.64% on average per year.

BOKF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.83% yearly.

EPS Next Y1.52%

EPS Next 2Y5.66%

EPS Next 3Y5.64%

EPS Next 5YN/A

Revenue Next Year3.96%

Revenue Next 2Y5.72%

Revenue Next 3Y5.83%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.74 indicates a reasonable valuation of BOKF.

62.63% of the companies in the same industry are more expensive than BOKF, based on the Price/Earnings ratio.

BOKF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.

BOKF is valuated reasonably with a Price/Forward Earnings ratio of 10.29.

The rest of the industry has a similar Price/Forward Earnings ratio as BOKF.

The average S&P500 Price/Forward Earnings ratio is at 22.13. BOKF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.74
Fwd PE	10.29

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BOKF is valued cheaply inside the industry as 87.88% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.49
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)7.05

PEG (5Y)3.43

EPS Next 2Y5.66%

EPS Next 3Y5.64%

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5. Dividend

5.1 Amount

BOKF has a Yearly Dividend Yield of 2.37%.

BOKF's Dividend Yield is slightly below the industry average, which is at 3.48.

Compared to an average S&P500 Dividend Yield of 2.40, BOKF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.37%

5.2 History

The dividend of BOKF has a limited annual growth rate of 1.99%.

BOKF has been paying a dividend for at least 10 years, so it has a reliable track record.

BOKF has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.99%

Div Incr Years19

Div Non Decr Years19

5.3 Sustainability

25.97% of the earnings are spent on dividend by BOKF. This is a low number and sustainable payout ratio.

BOKF's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP25.97%

EPS Next 2Y5.66%

EPS Next 3Y5.64%

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BOK FINANCIAL CORPORATION

NASDAQ:BOKF (6/13/2025, 8:00:02 PM)

After market: 93.4 0 (0%)

93.4

-2.66 (-2.77%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-21 2025-07-21/bmo

Inst Owners35.26%

Inst Owner Change2.21%

Ins Owners59.71%

Ins Owner Change0.09%

Market Cap6.00B

Analysts73.33

Price Target107.78 (15.4%)

Short Float %2.86%

Short Ratio3.36

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.37%

Yearly Dividend2.22

Dividend Growth(5Y)1.99%

DP25.97%

Div Incr Years19

Div Non Decr Years19

Ex-Date05-15 2025-05-15 (0.57)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-2%

Min EPS beat(2)-8.53%

Max EPS beat(2)4.54%

EPS beat(4)3

Avg EPS beat(4)2.37%

Min EPS beat(4)-8.53%

Max EPS beat(4)7.95%

EPS beat(8)4

Avg EPS beat(8)-1.71%

EPS beat(12)8

Avg EPS beat(12)3.95%

EPS beat(16)10

Avg EPS beat(16)4.54%

Revenue beat(2)0

Avg Revenue beat(2)-3.09%

Min Revenue beat(2)-5.31%

Max Revenue beat(2)-0.87%

Revenue beat(4)1

Avg Revenue beat(4)-0.33%

Min Revenue beat(4)-5.31%

Max Revenue beat(4)5.72%

Revenue beat(8)2

Avg Revenue beat(8)-2.26%

Revenue beat(12)5

Avg Revenue beat(12)-0.11%

Revenue beat(16)7

Avg Revenue beat(16)-0.54%

PT rev (1m)0%

PT rev (3m)-15.01%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-7.26%

EPS NY rev (1m)0%

EPS NY rev (3m)-6.08%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.05%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.31%

Valuation

		Industry Rank	Sector Rank
PE	10.74
Fwd PE	10.29
P/S	2.86
P/FCF	5.49
P/OCF	4.72
P/B	1.04
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)8.7

EY9.31%

EPS(NY)9.08

Fwd EY9.72%

FCF(TTM)17

FCFY18.2%

OCF(TTM)19.79

OCFY21.18%

SpS32.64

BVpS89.82

TBVpS67.55

PEG (NY)7.05

PEG (5Y)3.43

Profitability

		Industry Rank	Sector Rank
ROA	1.1%
ROE	9.6%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.42%
GM	N/A
FCFM	52.09%

ROA(3y)1.06%

ROA(5y)1.07%

ROE(3y)10.2%

ROE(5y)10.05%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.26%

PM growth 5Y-1.67%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	0.95
Debt/EBITDA	N/A
Cap/Depr	168.46%
Cap/Sales	8.53%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	197.2%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC14.34%

ROIC/WACCN/A

Cap/Depr(3y)171.25%

Cap/Depr(5y)171.12%

Cap/Sales(3y)9.34%

Cap/Sales(5y)9.23%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)15.23%

EPS 3Y-1.89%

EPS 5Y3.13%

EPS Q2Q%44.19%

EPS Next Y1.52%

EPS Next 2Y5.66%

EPS Next 3Y5.64%

EPS Next 5YN/A

Revenue 1Y (TTM)5.54%

Revenue growth 3Y3.05%

Revenue growth 5Y2.55%

Sales Q2Q%10.33%

Revenue Next Year3.96%

Revenue Next 2Y5.72%

Revenue Next 3Y5.83%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-68.03%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-65.2%

OCF growth 3YN/A

OCF growth 5YN/A

BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens