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BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

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

91.33  +1.98 (+2.22%)

After market: 91.33 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BOKF. BOKF was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of BOKF have multiple concerns. BOKF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years BOKF has been profitable.
In multiple years BOKF reported negative operating cash flow during the last 5 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's Return On Assets of 1.04% is fine compared to the rest of the industry. BOKF outperforms 70.35% of its industry peers.
Looking at the Return On Equity, with a value of 9.35%, BOKF is in the better half of the industry, outperforming 60.55% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 9.35%
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

With a decent Profit Margin value of 25.29%, BOKF is doing good in the industry, outperforming 60.80% of the companies in the same industry.
In the last couple of years the Profit Margin of BOKF has declined.
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) 25.29%
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.
The number of shares outstanding for BOKF has been reduced compared to 1 year ago.
Compared to 5 years ago, BOKF has less shares outstanding
Compared to 1 year ago, BOKF has a worse debt to assets ratio.
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

The Debt to FCF ratio of BOKF is 1.16, which is an excellent value as it means it would take BOKF, only 1.16 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.16, BOKF is doing good in the industry, outperforming 71.36% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that BOKF is not too dependend on debt financing.
BOKF has a worse Debt to Equity ratio (0.26) than 62.56% of its industry peers.
Even though the debt/equity ratio score it not favorable for BOKF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC13.87%
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.
BOKF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.13% yearly.
BOKF shows a decrease in Revenue. In the last year, the revenue decreased by -0.57%.
Measured over the past years, BOKF shows a small growth in Revenue. The Revenue has been growing by 2.55% on average per year.
EPS 1Y (TTM)15.23%
EPS 3Y-1.89%
EPS 5Y3.13%
EPS Q2Q%44.19%
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%10.33%

3.2 Future

Based on estimates for the next years, BOKF will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.37% on average per year.
The Revenue is expected to grow by 7.25% on average over the next years.
EPS Next Y7.72%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue Next Year4.68%
Revenue Next 2Y6%
Revenue Next 3Y7.25%
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.
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 2.5B
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 10

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.50 indicates a reasonable valuation of BOKF.
Based on the Price/Earnings ratio, BOKF is valued a bit cheaper than the industry average as 67.09% of the companies are valued more expensively.
BOKF is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.74, which indicates a very decent valuation of BOKF.
The rest of the industry has a similar Price/Forward Earnings ratio as BOKF.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, BOKF is valued rather cheaply.
Industry RankSector Rank
PE 10.5
Fwd PE 9.74
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

92.96% of the companies in the same industry are more expensive than BOKF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.66
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

BOKF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.36
PEG (5Y)3.36
EPS Next 2Y7.4%
EPS Next 3Y8.37%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.55%, BOKF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.63, BOKF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.51, BOKF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.55%

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
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

27.57% 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.
DP27.57%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
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 (4/24/2025, 8:00:00 PM)

After market: 91.33 0 (0%)

91.33

+1.98 (+2.22%)

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 Change0.2%
Ins Owners59.77%
Ins Owner Change0.09%
Market Cap5.87B
Analysts73.33
Price Target111.38 (21.95%)
Short Float %1.69%
Short Ratio2.5
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend2.22
Dividend Growth(5Y)1.99%
DP27.57%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-12 2025-02-12 (0.57)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.25%
Min EPS beat(2)4.54%
Max EPS beat(2)7.95%
EPS beat(4)3
Avg EPS beat(4)-2.22%
Min EPS beat(4)-26.89%
Max EPS beat(4)7.95%
EPS beat(8)5
Avg EPS beat(8)-0.27%
EPS beat(12)8
Avg EPS beat(12)2.26%
EPS beat(16)11
Avg EPS beat(16)5.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.87%
Min Revenue beat(2)-0.87%
Max Revenue beat(2)-0.86%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-7.16%
Max Revenue beat(4)5.72%
Revenue beat(8)2
Avg Revenue beat(8)-1.73%
Revenue beat(12)5
Avg Revenue beat(12)-1%
Revenue beat(16)7
Avg Revenue beat(16)-0.49%
PT rev (1m)-0.09%
PT rev (3m)1.82%
EPS NQ rev (1m)-53.21%
EPS NQ rev (3m)1.66%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.18%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 9.74
P/S 2.86
P/FCF 4.66
P/OCF 4.1
P/B 1.06
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)8.7
EY9.53%
EPS(NY)9.38
Fwd EY10.27%
FCF(TTM)19.59
FCFY21.45%
OCF(TTM)22.26
OCFY24.37%
SpS31.91
BVpS86.34
TBVpS64.09
PEG (NY)1.36
PEG (5Y)3.36
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.29%
GM N/A
FCFM 61.4%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 162.94%
Cap/Sales 8.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 242.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.87%
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 Y7.72%
EPS Next 2Y7.4%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%10.33%
Revenue Next Year4.68%
Revenue Next 2Y6%
Revenue Next 3Y7.25%
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 1Y1362.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2061.36%
OCF growth 3YN/A
OCF growth 5YN/A