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 is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BOKF was profitable.

BOKF had a positive operating cash flow in the past year.

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

Looking at the Return On Assets, with a value of 1.10%, BOKF is in the better half of the industry, outperforming 73.48% of the companies in the same industry.

BOKF has a Return On Equity of 9.60%. This is in the better half of the industry: BOKF outperforms 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

With a decent Profit Margin value of 26.42%, BOKF is doing good in the industry, outperforming 67.42% 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 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.

Compared to 1 year ago, BOKF has less shares outstanding

The number of shares outstanding for BOKF has been reduced compared to 5 years ago.

The debt/assets ratio for BOKF is higher compared to a year ago.

2.2 Solvency

BOKF has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.95, BOKF is in the better half of the industry, outperforming 74.24% of the companies in the same industry.

A Debt/Equity ratio of 0.18 indicates that BOKF is not too dependend on debt financing.

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

WACC13.88%

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

BOKF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.23%, which is quite good.

BOKF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.13% yearly.

Looking at the last year, BOKF shows a small growth in Revenue. The Revenue has grown by 5.54% in the last year.

The Revenue has been growing slightly by 2.55% on average over the past years.

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

The Earnings Per Share is expected to grow by 5.64% on average over the next years.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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

BOKF is valuated reasonably with a Price/Earnings ratio of 11.07.

62.88% of the companies in the same industry are more expensive than BOKF, based on the Price/Earnings ratio.

BOKF is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.61, which indicates a very decent valuation of BOKF.

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

BOKF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.39.

		Industry Rank	Sector Rank
PE	11.07
Fwd PE	10.61

4.2 Price Multiples

BOKF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BOKF is cheaper than 88.13% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.66
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)7.27

PEG (5Y)3.54

EPS Next 2Y5.66%

EPS Next 3Y5.64%

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5. Dividend

5.1 Amount

BOKF has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.

BOKF's Dividend Yield is slightly below the industry average, which is at 3.51.

Compared to an average S&P500 Dividend Yield of 2.39, BOKF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.44%

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

BOKF pays out 25.97% of its income as dividend. This is a 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 (6/10/2025, 4:30:01 PM)

After market: 96.28 0 (0%)

96.28

+0.61 (+0.64%)

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 Change2.21%

Ins Owners59.77%

Ins Owner Change0.09%

Market Cap6.19B

Analysts73.33

Price Target107.78 (11.94%)

Short Float %2.86%

Short Ratio3.36

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.44%

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)-3.24%

PT rev (3m)-15.01%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-7.26%

EPS NY rev (1m)-5.75%

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	11.07
Fwd PE	10.61
P/S	2.95
P/FCF	5.66
P/OCF	4.87
P/B	1.07
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)8.7

EY9.04%

EPS(NY)9.08

Fwd EY9.43%

FCF(TTM)17

FCFY17.66%

OCF(TTM)19.79

OCFY20.55%

SpS32.64

BVpS89.82

TBVpS67.55

PEG (NY)7.27

PEG (5Y)3.54

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

WACC13.88%

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

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