BOK FINANCIAL CORPORATION (BOKF) Fundamental Analysis & Valuation

NASDAQ:BOKF • US05561Q2012

Current stock price

132.56 USD
-1.39 (-1.04%)
At close:
132.56 USD
0 (0%)
After Hours:

This BOKF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BOKF Profitability Analysis

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.
  • Of the past 5 years BOKF 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.10%, BOKF is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
  • BOKF has a Return On Equity (9.70%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.1%
ROE 9.7%
ROIC N/A
ROA(3y)1.07%
ROA(5y)1.1%
ROE(3y)9.76%
ROE(5y)10.35%
ROIC(3y)N/A
ROIC(5y)N/A
BOKF Yearly ROA, ROE, ROICBOKF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BOKF (26.38%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BOKF has grown nicely.
  • 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) 26.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.78%
PM growth 5Y3.55%
GM growth 3YN/A
GM growth 5YN/A
BOKF Yearly Profit, Operating, Gross MarginsBOKF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. BOKF Health Analysis

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.
  • Compared to 1 year ago, BOKF has a worse debt to assets ratio.
BOKF Yearly Shares OutstandingBOKF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
BOKF Yearly Total Debt VS Total AssetsBOKF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • The Debt to FCF ratio of BOKF is 3.36, which is a good value as it means it would take BOKF, 3.36 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.36, BOKF is doing worse than 61.54% of the companies in the same industry.
  • BOKF has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • BOKF has a worse Debt to Equity ratio (0.33) than 70.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.36
Altman-Z N/A
ROIC/WACCN/A
WACC13.24%
BOKF Yearly LT Debt VS Equity VS FCFBOKF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BOKF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.56% over the past year.
  • The Earnings Per Share has been growing by 8.12% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 6.10% in the past year.
  • The Revenue has been growing slightly by 2.21% on average over the past years.
EPS 1Y (TTM)13.56%
EPS 3Y5.96%
EPS 5Y8.12%
EPS Q2Q%38.71%
Revenue 1Y (TTM)6.1%
Revenue growth 3Y5.46%
Revenue growth 5Y2.21%
Sales Q2Q%10.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.33% 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 5.02% yearly.
EPS Next Y7.77%
EPS Next 2Y6.63%
EPS Next 3Y5.33%
EPS Next 5YN/A
Revenue Next Year5.94%
Revenue Next 2Y5.58%
Revenue Next 3Y5.02%
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.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
BOKF Yearly EPS VS EstimatesBOKF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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3

4. BOKF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.42, which indicates a correct valuation of BOKF.
  • Based on the Price/Earnings ratio, BOKF is valued a bit more expensive than the industry average as 62.86% of the companies are valued more cheaply.
  • BOKF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 12.73, BOKF is valued correctly.
  • 69.50% 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 22.29. BOKF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.42
Fwd PE 12.73
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as BOKF.
Industry RankSector Rank
P/FCF 14
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)1.73
PEG (5Y)1.65
EPS Next 2Y6.63%
EPS Next 3Y5.33%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BOKF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.88%, BOKF has a reasonable but not impressive dividend return.
  • BOKF's Dividend Yield is slightly below the industry average, which is at 2.55.
  • Compared to an average S&P500 Dividend Yield of 1.81, BOKF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • The dividend of BOKF has a limited annual growth rate of 2.92%.
  • 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)2.92%
Div Incr Years20
Div Non Decr Years20
BOKF Yearly Dividends per shareBOKF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 25.70% 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.
DP25.7%
EPS Next 2Y6.63%
EPS Next 3Y5.33%
BOKF Yearly Income VS Free CF VS DividendBOKF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B
BOKF Dividend Payout.BOKF Dividend Payout, showing the Payout Ratio.BOKF Dividend Payout.PayoutRetained Earnings

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BOKF Fundamentals: All Metrics, Ratios and Statistics

BOK FINANCIAL CORPORATION

NASDAQ:BOKF (4/24/2026, 8:24:00 PM)

After market: 132.56 0 (0%)

132.56

-1.39 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners37.74%
Inst Owner Change0.1%
Ins Owners63%
Ins Owner Change0.08%
Market Cap8.05B
Revenue(TTM)2.18B
Net Income(TTM)573.98M
Analysts72.5
Price Target140.25 (5.8%)
Short Float %10.79%
Short Ratio6.55
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend2.36
Dividend Growth(5Y)2.92%
DP25.7%
Div Incr Years20
Div Non Decr Years20
Ex-Date02-19
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.16%
Min EPS beat(2)0.22%
Max EPS beat(2)20.1%
EPS beat(4)3
Avg EPS beat(4)4.74%
Min EPS beat(4)-8.53%
Max EPS beat(4)20.1%
EPS beat(8)6
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)1.4%
EPS beat(16)11
Avg EPS beat(16)2.88%
Revenue beat(2)1
Avg Revenue beat(2)1.04%
Min Revenue beat(2)-0.51%
Max Revenue beat(2)2.58%
Revenue beat(4)1
Avg Revenue beat(4)-3.89%
Min Revenue beat(4)-12.33%
Max Revenue beat(4)2.58%
Revenue beat(8)2
Avg Revenue beat(8)-2.34%
Revenue beat(12)3
Avg Revenue beat(12)-2.45%
Revenue beat(16)6
Avg Revenue beat(16)-1.72%
PT rev (1m)1.63%
PT rev (3m)13.82%
EPS NQ rev (1m)2.48%
EPS NQ rev (3m)3.39%
EPS NY rev (1m)0.91%
EPS NY rev (3m)8.96%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.42
Fwd PE 12.73
P/S 3.7
P/FCF 14
P/OCF 10.89
P/B 1.36
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)9.88
EY7.45%
EPS(NY)10.42
Fwd EY7.86%
FCF(TTM)9.47
FCFY7.14%
OCF(TTM)12.17
OCFY9.18%
SpS35.8
BVpS97.41
TBVpS74.33
PEG (NY)1.73
PEG (5Y)1.65
Graham Number147.154 (11.01%)
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 9.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.38%
GM N/A
FCFM 26.44%
ROA(3y)1.07%
ROA(5y)1.1%
ROE(3y)9.76%
ROE(5y)10.35%
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-1.78%
PM growth 5Y3.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.36
Debt/EBITDA N/A
Cap/Depr 149.17%
Cap/Sales 7.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.24%
ROIC/WACCN/A
Cap/Depr(3y)154.36%
Cap/Depr(5y)172.44%
Cap/Sales(3y)7.99%
Cap/Sales(5y)9.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.56%
EPS 3Y5.96%
EPS 5Y8.12%
EPS Q2Q%38.71%
EPS Next Y7.77%
EPS Next 2Y6.63%
EPS Next 3Y5.33%
EPS Next 5YN/A
Revenue 1Y (TTM)6.1%
Revenue growth 3Y5.46%
Revenue growth 5Y2.21%
Sales Q2Q%10.26%
Revenue Next Year5.94%
Revenue Next 2Y5.58%
Revenue Next 3Y5.02%
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-54.31%
FCF growth 3Y-51.06%
FCF growth 5YN/A
OCF growth 1Y-48.29%
OCF growth 3Y-47.54%
OCF growth 5YN/A

BOK FINANCIAL CORPORATION / BOKF Fundamental Analysis 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.


How profitable is BOK FINANCIAL CORPORATION (BOKF) stock?

BOK FINANCIAL CORPORATION (BOKF) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for BOKF stock?

The Price/Earnings (PE) ratio for BOK FINANCIAL CORPORATION (BOKF) is 13.42 and the Price/Book (PB) ratio is 1.36.


Can you provide the expected EPS growth for BOKF stock?

The Earnings per Share (EPS) of BOK FINANCIAL CORPORATION (BOKF) is expected to grow by 7.77% in the next year.