121.44 USD
+0.41 (+0.34%)
121.44 USD
0 (0%)
Overall BOKF gets a fundamental rating of 3 out of 10. We evaluated BOKF against 388 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.
1. Profitability
1.1 Basic Checks
In the past year BOKF was profitable.
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 has a better Return On Assets (1.06%) than 66.24% of its industry peers.
BOKF's Return On Equity of 8.82% is in line compared to the rest of the industry. BOKF outperforms 50.52% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 25.19%, BOKF is in line with its industry, outperforming 55.41% of the companies in the same industry.
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.
The number of shares outstanding for BOKF has been reduced compared to 1 year ago.
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 0.74. 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.
With a decent Debt to FCF ratio value of 0.74, BOKF is doing good in the industry, outperforming 74.23% of the companies in the same industry.
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
WACC13.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.40% 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 small growth in Revenue. In the last year, the Revenue has grown by 3.95%.
BOKF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.55% yearly.
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 Y5.97%
EPS Next 2Y5.76%
EPS Next 3Y5.75%
EPS Next 5YN/A
Revenue Next Year5.16%
Revenue Next 2Y5.75%
Revenue Next 3Y5.6%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.47 indicates a correct valuation of BOKF.
Based on the Price/Earnings ratio, BOKF is valued a bit more expensive than 63.14% 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 26.59.
Based on the Price/Forward Earnings ratio of 13.36, the valuation of BOKF can be described as correct.
Based on the Price/Forward Earnings ratio, BOKF is valued a bit more expensive than the industry average as 70.10% of the companies are valued more cheaply.
BOKF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.47 | ||
| Fwd PE | 13.36 |
4.2 Price Multiples
BOKF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BOKF is cheaper than 91.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.63 | ||
| 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)2.42
PEG (5Y)4.63
EPS Next 2Y5.76%
EPS Next 3Y5.75%
5. Dividend
5.1 Amount
BOKF has a Yearly Dividend Yield of 2.11%.
BOKF's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.88, BOKF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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 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%
121.44
+0.41 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.46%
Inst Owner Change5.22%
Ins Owners60.59%
Ins Owner Change-0.01%
Market Cap7.68B
Revenue(TTM)2.11B
Net Income(TTM)531.22M
Analysts75
Price TargetN/A
Short Float %13.13%
Short Ratio10.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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)0%
PT rev (3m)3.11%
EPS NQ rev (1m)-0.87%
EPS NQ rev (3m)-1.11%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.47 | ||
| Fwd PE | 13.36 | ||
| P/S | 3.64 | ||
| P/FCF | 5.63 | ||
| P/OCF | 5.06 | ||
| P/B | 1.28 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.39
EY6.91%
EPS(NY)9.09
Fwd EY7.49%
FCF(TTM)21.59
FCFY17.77%
OCF(TTM)24.01
OCFY19.77%
SpS33.34
BVpS95.22
TBVpS72.95
PEG (NY)2.42
PEG (5Y)4.63
Graham Number134.07
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
WACC13.02%
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 Y5.97%
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 Year5.16%
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 3 / 10 to BOKF.
What is the valuation status of BOK FINANCIAL CORPORATION (BOKF) stock?
ChartMill assigns a valuation rating of 3 / 10 to BOK FINANCIAL CORPORATION (BOKF). This can be considered as Overvalued.
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 5.97% in the next year.