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BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

NASDAQ:BOKF - Nasdaq - US05561Q2012 - Common Stock - Currency: USD

95.67  -0.79 (-0.82%)

After market: 95.67 0 (0%)

Fundamental Rating

4

BOKF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BOKF has a bad profitability rating. Also its financial health evaluation is rather negative. BOKF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
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.
BOKF Yearly Net Income VS EBIT VS OCF VS FCFBOKF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

1.2 Ratios

BOKF has a Return On Assets of 1.10%. This is in the better half of the industry: BOKF outperforms 73.48% of its industry peers.
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 RankSector 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
BOKF Yearly ROA, ROE, ROICBOKF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BOKF's Profit Margin of 26.42% is fine compared to the rest of the industry. BOKF outperforms 67.42% of its industry peers.
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 RankSector 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
BOKF Yearly Profit, Operating, Gross MarginsBOKF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
The debt/assets ratio for BOKF is higher compared to a year ago.
BOKF Yearly Shares OutstandingBOKF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BOKF Yearly Total Debt VS Total AssetsBOKF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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.
With a Debt to Equity ratio value of 0.18, BOKF perfoms like the industry average, outperforming 47.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
BOKF Yearly LT Debt VS Equity VS FCFBOKF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOKF Yearly Current Assets VS Current LiabilitesBOKF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.23% 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 5.54%.
BOKF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.55% yearly.
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

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.
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.
BOKF Yearly Revenue VS EstimatesBOKF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
BOKF Yearly EPS VS EstimatesBOKF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

BOKF is valuated reasonably with a Price/Earnings ratio of 11.00.
Based on the Price/Earnings ratio, BOKF is valued a bit cheaper than 61.62% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.53. BOKF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.54, which indicates a very decent valuation of BOKF.
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 60.35% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BOKF to the average of the S&P500 Index (22.27), we can say BOKF is valued rather cheaply.
Industry RankSector Rank
PE 11
Fwd PE 10.54
BOKF Price Earnings VS Forward Price EarningsBOKF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOKF indicates a rather cheap valuation: BOKF is cheaper than 87.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.63
EV/EBITDA N/A
BOKF Per share dataBOKF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)7.23
PEG (5Y)3.52
EPS Next 2Y5.66%
EPS Next 3Y5.64%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.44%, BOKF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, BOKF is paying slightly less dividend.
BOKF's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector 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 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
BOKF Yearly Dividends per shareBOKF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

25.97% 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.
DP25.97%
EPS Next 2Y5.66%
EPS Next 3Y5.64%
BOKF Yearly Income VS Free CF VS DividendBOKF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B
BOKF Dividend Payout.BOKF Dividend Payout, showing the Payout Ratio.BOKF Dividend Payout.PayoutRetained Earnings

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BOK FINANCIAL CORPORATION

NASDAQ:BOKF (6/9/2025, 4:30:02 PM)

After market: 95.67 0 (0%)

95.67

-0.79 (-0.82%)

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 Cap6.15B
Analysts73.33
Price Target107.78 (12.66%)
Short Float %2.86%
Short Ratio3.36
Dividend
Industry RankSector 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 RankSector Rank
PE 11
Fwd PE 10.54
P/S 2.93
P/FCF 5.63
P/OCF 4.84
P/B 1.07
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)8.7
EY9.09%
EPS(NY)9.08
Fwd EY9.49%
FCF(TTM)17
FCFY17.77%
OCF(TTM)19.79
OCFY20.68%
SpS32.64
BVpS89.82
TBVpS67.55
PEG (NY)7.23
PEG (5Y)3.52
Profitability
Industry RankSector 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 RankSector 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
WACC13.91%
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