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BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

NASDAQ:BOKF - Nasdaq - US05561Q2012 - Common Stock - Currency: USD

93.85  +0.28 (+0.3%)

After market: 93.85 0 (0%)

Fundamental Rating

4

Overall BOKF gets a fundamental rating of 4 out of 10. We evaluated BOKF against 397 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.


Dividend Valuation Growth Profitability Health

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3

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.
In multiple years BOKF reported negative operating cash flow during the last 5 years.
BOKF Yearly Net Income VS EBIT VS OCF VS FCFBOKF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

1.2 Ratios

BOKF's Return On Assets of 1.04% is fine compared to the rest of the industry. BOKF outperforms 70.53% of its industry peers.
The Return On Equity of BOKF (9.35%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.04%
ROE 9.35%
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
BOKF Yearly ROA, ROE, ROICBOKF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 25.29%, BOKF is doing good in the industry, outperforming 62.22% of the companies in the same industry.
In the last couple of years the Profit Margin of BOKF has declined.
The Operating Margin and Gross Margin are not available for BOKF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.29%
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
BOKF Yearly Profit, Operating, Gross MarginsBOKF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

BOKF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BOKF has less shares outstanding
Compared to 5 years ago, BOKF has less shares outstanding
The debt/assets ratio for BOKF is higher compared to a year ago.
BOKF Yearly Shares OutstandingBOKF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BOKF Yearly Total Debt VS Total AssetsBOKF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

BOKF has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
BOKF has a better Debt to FCF ratio (1.16) than 69.02% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that BOKF is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.26, BOKF is not doing good in the industry: 63.98% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for BOKF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC13.78%
BOKF Yearly LT Debt VS Equity VS FCFBOKF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOKF Yearly Current Assets VS Current LiabilitesBOKF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.23% over the past year.
Measured over the past 5 years, BOKF shows a small growth in Earnings Per Share. The EPS has been growing by 3.13% on average per year.
BOKF shows a decrease in Revenue. In the last year, the revenue decreased by -0.57%.
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)-0.57%
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 quite strong growth in Earnings Per Share. The EPS will grow by 8.37% on average per year.
Based on estimates for the next years, BOKF will show a small growth in Revenue. The Revenue will grow by 7.25% on average per year.
EPS Next Y7.72%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue Next Year4.68%
Revenue Next 2Y6%
Revenue Next 3Y7.25%
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.
BOKF Yearly Revenue VS EstimatesBOKF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
BOKF Yearly EPS VS EstimatesBOKF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.79 indicates a reasonable valuation of BOKF.
Based on the Price/Earnings ratio, BOKF is valued a bit cheaper than the industry average as 64.48% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 23.99. BOKF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.01, which indicates a very decent valuation of BOKF.
BOKF's Price/Forward Earnings ratio is in line with the industry average.
BOKF is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.79
Fwd PE 10.01
BOKF Price Earnings VS Forward Price EarningsBOKF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOKF indicates a rather cheap valuation: BOKF is cheaper than 93.20% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.79
EV/EBITDA N/A
BOKF Per share dataBOKF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.4
PEG (5Y)3.45
EPS Next 2Y7.4%
EPS Next 3Y8.37%

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6

5. Dividend

5.1 Amount

BOKF has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.
BOKF's Dividend Yield is slightly below the industry average, which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.44, BOKF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.43%

5.2 History

The dividend of BOKF has a limited annual growth rate of 1.99%.
BOKF has paid a dividend for at least 10 years, which is 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
BOKF Yearly Dividends per shareBOKF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

27.57% 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.
DP27.57%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
BOKF Yearly Income VS Free CF VS DividendBOKF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B
BOKF Dividend Payout.BOKF Dividend Payout, showing the Payout Ratio.BOKF Dividend Payout.PayoutRetained Earnings

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BOK FINANCIAL CORPORATION

NASDAQ:BOKF (5/7/2025, 8:00:00 PM)

After market: 93.85 0 (0%)

93.85

+0.28 (+0.3%)

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 Owners34.53%
Inst Owner Change0.2%
Ins Owners59.77%
Ins Owner Change0.09%
Market Cap6.03B
Analysts73.33
Price Target111.38 (18.68%)
Short Float %1.69%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
Yearly Dividend2.22
Dividend Growth(5Y)1.99%
DP27.57%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-12 2025-02-12 (0.57)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.25%
Min EPS beat(2)4.54%
Max EPS beat(2)7.95%
EPS beat(4)3
Avg EPS beat(4)-2.22%
Min EPS beat(4)-26.89%
Max EPS beat(4)7.95%
EPS beat(8)5
Avg EPS beat(8)-0.27%
EPS beat(12)8
Avg EPS beat(12)2.26%
EPS beat(16)11
Avg EPS beat(16)5.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.87%
Min Revenue beat(2)-0.87%
Max Revenue beat(2)-0.86%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-7.16%
Max Revenue beat(4)5.72%
Revenue beat(8)2
Avg Revenue beat(8)-1.73%
Revenue beat(12)5
Avg Revenue beat(12)-1%
Revenue beat(16)7
Avg Revenue beat(16)-0.49%
PT rev (1m)-12.17%
PT rev (3m)-12.17%
EPS NQ rev (1m)-53.21%
EPS NQ rev (3m)-53.21%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)-0.35%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)-1.63%
Revenue NY rev (3m)-1.54%
Valuation
Industry RankSector Rank
PE 10.79
Fwd PE 10.01
P/S 2.94
P/FCF 4.79
P/OCF 4.22
P/B 1.09
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)8.7
EY9.27%
EPS(NY)9.38
Fwd EY9.99%
FCF(TTM)19.59
FCFY20.87%
OCF(TTM)22.26
OCFY23.72%
SpS31.91
BVpS86.34
TBVpS64.09
PEG (NY)1.4
PEG (5Y)3.45
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.29%
GM N/A
FCFM 61.4%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 162.94%
Cap/Sales 8.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 242.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.78%
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 Y7.72%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%10.33%
Revenue Next Year4.68%
Revenue Next 2Y6%
Revenue Next 3Y7.25%
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 1Y1362.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2061.36%
OCF growth 3YN/A
OCF growth 5YN/A