134.61 USD
+2.62 (+1.98%)
At close: Feb 4, 2026
134.61 USD
0 (0%)
After Hours: 2/4/2026, 8:06:06 PM
BOKF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. BOKF may be in some trouble as it scores bad on both profitability and health. BOKF has a expensive valuation and it also scores bad on growth.
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.
- Of the past 5 years BOKF 4 years were profitable.
- In multiple years BOKF reported negative operating cash flow during the last 5 years.
1.2 Ratios
- BOKF has a Return On Assets of 1.06%. This is in the better half of the industry: BOKF outperforms 65.80% of its industry peers.
- BOKF has a Return On Equity (8.82%) which is in line with 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
- With a Profit Margin value of 25.19%, BOKF perfoms like the industry average, outperforming 55.35% of the companies in the same industry.
- BOKF's Profit Margin has declined in the last couple of years.
- 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) | 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of BOKF is 0.74, which is an excellent value as it means it would take BOKF, only 0.74 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of BOKF (0.74) is better than 74.41% of its industry peers.
- A Debt/Equity ratio of 0.17 indicates that BOKF is not too dependend on debt financing.
- The Debt to Equity ratio of BOKF (0.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BOKF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.67%, which is quite good.
- Measured over the past years, BOKF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.12% on average per year.
EPS 1Y (TTM)12.67%
EPS 3Y5.96%
EPS 5Y8.12%
EPS Q2Q%36.32%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.71%
3.2 Future
- The Earnings Per Share is expected to grow by 2.38% on average over the next years.
- The Revenue is expected to grow by 4.59% on average over the next years.
EPS Next Y-1.09%
EPS Next 2Y2.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.94%
Revenue Next 2Y5.63%
Revenue Next 3Y4.59%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.70, the valuation of BOKF can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of BOKF indicates a slightly more expensive valuation: BOKF is more expensive than 63.19% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of BOKF to the average of the S&P500 Index (28.25), we can say BOKF is valued slightly cheaper.
- BOKF is valuated correctly with a Price/Forward Earnings ratio of 14.86.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BOKF indicates a slightly more expensive valuation: BOKF is more expensive than 72.06% of the companies listed in the same industry.
- BOKF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.7 | ||
| Fwd PE | 14.86 |
4.2 Price Multiples
- BOKF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BOKF is cheaper than 90.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.81
EPS Next 2Y2.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BOKF has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.64, BOKF is paying slightly less dividend.
- BOKF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
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
5.3 Sustainability
- 27.51% of the earnings are spent on dividend by BOKF. This is a low number and sustainable payout ratio.
- BOKF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.51%
EPS Next 2Y2.38%
EPS Next 3YN/A
134.61
+2.62 (+1.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2026-01-21/bmo
Earnings (Next)04-20 2026-04-20
Inst Owners35.43%
Inst Owner Change-1.16%
Ins Owners60.57%
Ins Owner Change-0.04%
Market Cap8.51B
Revenue(TTM)N/A
Net Income(TTM)531.22M
Analysts73.75
Price Target123.22 (-8.46%)
Short Float %11.59%
Short Ratio9.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
Yearly Dividend2.22
Dividend Growth(5Y)1.99%
DP27.51%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
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)0.75%
PT rev (3m)1.34%
EPS NQ rev (1m)8.81%
EPS NQ rev (3m)8%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)2.21%
Revenue NQ rev (3m)2.09%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.7 | ||
| Fwd PE | 14.86 | ||
| P/S | 4.04 | ||
| P/FCF | 6.24 | ||
| P/OCF | 5.61 | ||
| P/B | 1.41 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.16
EY6.8%
EPS(NY)9.06
Fwd EY6.73%
FCF(TTM)21.59
FCFY16.04%
OCF(TTM)24.01
OCFY17.84%
SpS33.34
BVpS95.22
TBVpS72.95
PEG (NY)N/A
PEG (5Y)1.81
Graham Number140.09
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
WACC12.73%
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)12.67%
EPS 3Y5.96%
EPS 5Y8.12%
EPS Q2Q%36.32%
EPS Next Y-1.09%
EPS Next 2Y2.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.71%
Revenue Next Year5.94%
Revenue Next 2Y5.63%
Revenue Next 3Y4.59%
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 for BOKF stock?
ChartMill assigns a valuation rating of 3 / 10 to BOK FINANCIAL CORPORATION (BOKF). This can be considered as Overvalued.
Can you provide the profitability details for BOK FINANCIAL CORPORATION?
BOK FINANCIAL CORPORATION (BOKF) has a profitability rating of 2 / 10.
What is the financial health of BOK FINANCIAL CORPORATION (BOKF) stock?
The financial health rating of BOK FINANCIAL CORPORATION (BOKF) is 3 / 10.
What is the earnings growth outlook for BOK FINANCIAL CORPORATION?
The Earnings per Share (EPS) of BOK FINANCIAL CORPORATION (BOKF) is expected to decline by -1.09% in the next year.