113.54 USD
+0.2 (+0.18%)
113.54 USD
0 (0%)
Taking everything into account, BOKF scores 4 out of 10 in our fundamental rating. BOKF was compared to 387 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.
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.
Each year in the past 5 years BOKF has 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 Return On Assets of 1.06%. This is in the better half of the industry: BOKF outperforms 66.67% of its industry peers.
BOKF has a Return On Equity (8.82%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 8.82% | ||
| 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
BOKF has a Profit Margin (25.19%) which is in line with 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) | 25.19% | ||
| 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
2. Health
2.1 Basic Checks
BOKF does not have a ROIC to compare to the WACC, probably because it is not profitable.
BOKF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BOKF has less shares outstanding
BOKF has a worse debt/assets ratio than last year.
2.2 Solvency
BOKF has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
BOKF's Debt to FCF ratio of 0.74 is fine compared to the rest of the industry. BOKF outperforms 75.97% of its industry peers.
BOKF has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
BOKF has a Debt to Equity ratio (0.17) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BOKF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.40%.
The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
BOKF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.95%.
The Revenue has been growing slightly by 2.55% on average over the past years.
EPS 1Y (TTM)5.4%
EPS 3Y-1.89%
EPS 5Y3.13%
EPS Q2Q%1.83%
Revenue 1Y (TTM)3.95%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%6.21%
3.2 Future
The Earnings Per Share is expected to grow by 5.75% on average over the next years.
Based on estimates for the next years, BOKF will show a small growth in Revenue. The Revenue will grow by 5.60% on average per year.
EPS Next Y6.1%
EPS Next 2Y5.76%
EPS Next 3Y5.75%
EPS Next 5YN/A
Revenue Next Year5.12%
Revenue Next 2Y5.75%
Revenue Next 3Y5.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.53, the valuation of BOKF can be described as correct.
BOKF's Price/Earnings ratio is a bit more expensive when compared to the industry. BOKF is more expensive than 60.98% of the companies in the same industry.
BOKF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 12.49, the valuation of BOKF can be described as correct.
68.22% of the companies in the same industry are cheaper than BOKF, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.12. BOKF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 12.49 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BOKF is valued cheaper than 90.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BOKF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.22
PEG (5Y)4.33
EPS Next 2Y5.76%
EPS Next 3Y5.75%
5. Dividend
5.1 Amount
BOKF has a Yearly Dividend Yield of 2.38%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, BOKF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, BOKF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.99%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
BOKF pays out 27.51% 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.
DP27.51%
EPS Next 2Y5.76%
EPS Next 3Y5.75%
113.54
+0.2 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.21%
Inst Owner Change5.21%
Ins Owners60.26%
Ins Owner Change-0.01%
Market Cap7.22B
Revenue(TTM)2.11B
Net Income(TTM)531.22M
Analysts75
Price Target121.58 (7.08%)
Short Float %4.62%
Short Ratio4.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend2.22
Dividend Growth(5Y)1.99%
DP27.51%
Div Incr Years19
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.69%
Min EPS beat(2)0.22%
Max EPS beat(2)7.17%
EPS beat(4)3
Avg EPS beat(4)0.85%
Min EPS beat(4)-8.53%
Max EPS beat(4)7.17%
EPS beat(8)6
Avg EPS beat(8)-0.07%
EPS beat(12)8
Avg EPS beat(12)0.49%
EPS beat(16)10
Avg EPS beat(16)1.15%
Revenue beat(2)0
Avg Revenue beat(2)-6.42%
Min Revenue beat(2)-12.33%
Max Revenue beat(2)-0.51%
Revenue beat(4)0
Avg Revenue beat(4)-4.75%
Min Revenue beat(4)-12.33%
Max Revenue beat(4)-0.51%
Revenue beat(8)2
Avg Revenue beat(8)-2.61%
Revenue beat(12)3
Avg Revenue beat(12)-2.12%
Revenue beat(16)5
Avg Revenue beat(16)-2.26%
PT rev (1m)3.56%
PT rev (3m)3.11%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)0.42%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 12.49 | ||
| P/S | 3.42 | ||
| P/FCF | 5.29 | ||
| P/OCF | 4.76 | ||
| P/B | 1.2 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.39
EY7.39%
EPS(NY)9.09
Fwd EY8.01%
FCF(TTM)21.46
FCFY18.9%
OCF(TTM)23.87
OCFY21.03%
SpS33.16
BVpS94.68
TBVpS72.54
PEG (NY)2.22
PEG (5Y)4.33
Graham Number133.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 8.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.19% | ||
| GM | N/A | ||
| FCFM | 64.73% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 139.84% | ||
| Cap/Sales | 7.27% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 257.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.08%
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)5.4%
EPS 3Y-1.89%
EPS 5Y3.13%
EPS Q2Q%1.83%
EPS Next Y6.1%
EPS Next 2Y5.76%
EPS Next 3Y5.75%
EPS Next 5YN/A
Revenue 1Y (TTM)3.95%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%6.21%
Revenue Next Year5.12%
Revenue Next 2Y5.75%
Revenue Next 3Y5.6%
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 1Y172.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y189.66%
OCF growth 3YN/A
OCF growth 5YN/A
BOK FINANCIAL CORPORATION / BOKF FAQ
What is the ChartMill fundamental rating of BOK FINANCIAL CORPORATION (BOKF) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BOKF.
What is the valuation status of BOK FINANCIAL CORPORATION (BOKF) stock?
ChartMill assigns a valuation rating of 4 / 10 to BOK FINANCIAL CORPORATION (BOKF). This can be considered as Fairly Valued.
What is the profitability of BOKF stock?
BOK FINANCIAL CORPORATION (BOKF) has a profitability rating of 3 / 10.
Can you provide the financial health for BOKF stock?
The financial health rating of BOK FINANCIAL CORPORATION (BOKF) is 3 / 10.
What is the expected EPS growth for BOK FINANCIAL CORPORATION (BOKF) stock?
The Earnings per Share (EPS) of BOK FINANCIAL CORPORATION (BOKF) is expected to grow by 6.1% in the next year.