BOK FINANCIAL CORPORATION (BOKF)

US05561Q2012 - Common Stock

90.365  -2.69 (-2.89%)

Fundamental Rating

3

BOKF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of BOKF have multiple concerns. BOKF is valied quite expensively at the moment, while it does show a decent growth rate.



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3

1. Profitability

1.1 Basic Checks

In the past year BOKF was profitable.
BOKF had a positive operating cash flow in the past year.
In the past 5 years BOKF has always been profitable.
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 has a better Return On Assets (1.06%) than 66.18% of its industry peers.
Looking at the Return On Equity, with a value of 10.24%, BOKF is in the better half of the industry, outperforming 60.58% of the companies in the same industry.
Industry RankSector Rank
ROA 1.06%
ROE 10.24%
ROIC N/A
ROA(3y)1.12%
ROA(5y)1.09%
ROE(3y)10.9%
ROE(5y)10.23%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 25.53%, BOKF is in the better half of the industry, outperforming 60.10% of the companies in the same industry.
BOKF's Profit Margin has declined in the last couple of years.
BOKF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.82%
PM growth 5Y-1.54%
GM growth 3YN/A
GM growth 5YN/A

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1

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 increased compared to 1 year ago.
BOKF has more shares outstanding than it did 5 years ago.
BOKF has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.25 indicates that BOKF is not too dependend on debt financing.
BOKF has a Debt to Equity ratio (0.25) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.76%

2.3 Liquidity

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

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.86% 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 6.08% on average per year.
The Revenue has grown by 11.19% in the past year. This is quite good.
BOKF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.18% yearly.
EPS 1Y (TTM)12.86%
EPS 3Y11.91%
EPS 5Y6.08%
EPS growth Q2Q-22.31%
Revenue 1Y (TTM)11.19%
Revenue growth 3Y1.87%
Revenue growth 5Y5.18%
Revenue growth Q2Q-8.76%

3.2 Future

BOKF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.82% yearly.
BOKF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.95% yearly.
EPS Next Y-12.61%
EPS Next 2Y-1.56%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue Next Year-1.15%
Revenue Next 2Y2.48%
Revenue Next 3Y2.95%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.40, the valuation of BOKF can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as BOKF.
The average S&P500 Price/Earnings ratio is at 25.25. BOKF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.90, the valuation of BOKF can be described as very reasonable.
Based on the Price/Forward Earnings ratio, BOKF is valued a bit more expensive than the industry average as 61.07% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, BOKF is valued a bit cheaper.
Industry RankSector Rank
PE 10.4
Fwd PE 11.9

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.71
EPS Next 2Y-1.56%
EPS Next 3Y2.82%

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6

5. Dividend

5.1 Amount

BOKF has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
BOKF's Dividend Yield is slightly below the industry average, which is at 3.89.
Compared to an average S&P500 Dividend Yield of 2.45, BOKF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

The dividend of BOKF has a limited annual growth rate of 1.47%.
BOKF has paid a dividend for at least 10 years, which is a reliable track record.
BOKF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.47%
Div Incr Years10
Div Non Decr Years10

5.3 Sustainability

27.24% of the earnings are spent on dividend by BOKF. This is a low number and sustainable payout ratio.
The dividend of BOKF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.24%
EPS Next 2Y-1.56%
EPS Next 3Y2.82%

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BOK FINANCIAL CORPORATION

NASDAQ:BOKF (4/25/2024, 1:38:29 PM)

90.365

-2.69 (-2.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.84B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 10.4
Fwd PE 11.9
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.71
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 10.24%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 25.53%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)12.86%
EPS 3Y11.91%
EPS 5Y
EPS growth Q2Q
EPS Next Y-12.61%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.19%
Revenue growth 3Y1.87%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y