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BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

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

101.11  -0.4 (-0.39%)

After market: 101.11 0 (0%)

Fundamental Rating

4

Overall BOKF gets a fundamental rating of 4 out of 10. We evaluated BOKF against 392 industry peers in the Banks industry. Both the profitability and financial health of BOKF have multiple concerns. BOKF is not valued too expensively and it also shows a decent 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.
In the past year BOKF had a positive cash flow from operations.
In the past 5 years BOKF has always been profitable.
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 better Return On Assets (1.10%) than 73.98% of its industry peers.
BOKF has a Return On Equity of 9.60%. This is in the better half of the industry: BOKF outperforms 64.03% 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 67.86% of its industry peers.
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) 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.
Compared to 1 year ago, BOKF has less shares outstanding
Compared to 5 years ago, BOKF has less shares outstanding
BOKF has a worse debt/assets ratio than last year.
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 0.95, which is an excellent value as it means it would take BOKF, only 0.95 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BOKF (0.95) is better than 75.51% of its industry peers.
BOKF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.18, BOKF is in line with its industry, outperforming 47.96% 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
WACC13.22%
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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4

3. Growth

3.1 Past

BOKF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.78%.
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.
Looking at the last year, BOKF shows a decrease in Revenue. The Revenue has decreased by -0.57% in the last year.
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)6.78%
EPS 3Y-1.89%
EPS 5Y3.13%
EPS Q2Q%-13.78%
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%-16.13%

3.2 Future

The Earnings Per Share is expected to grow by 5.20% 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 5.41% on average per year.
EPS Next Y1.85%
EPS Next 2Y5.44%
EPS Next 3Y5.2%
EPS Next 5YN/A
Revenue Next Year4.63%
Revenue Next 2Y5.86%
Revenue Next 3Y5.41%
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
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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4

4. Valuation

4.1 Price/Earnings Ratio

BOKF is valuated correctly with a Price/Earnings ratio of 12.11.
BOKF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of BOKF to the average of the S&P500 Index (26.99), we can say BOKF is valued rather cheaply.
BOKF is valuated reasonably with a Price/Forward Earnings ratio of 11.19.
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 62.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.36, BOKF is valued rather cheaply.
Industry RankSector Rank
PE 12.11
Fwd PE 11.19
BOKF Price Earnings VS Forward Price EarningsBOKF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BOKF is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.89
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 an expensive valuation of the company.
PEG (NY)6.56
PEG (5Y)3.87
EPS Next 2Y5.44%
EPS Next 3Y5.2%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.25%, BOKF has a reasonable but not impressive dividend return.
BOKF's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.40, BOKF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.25%

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
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.
BOKF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.97%
EPS Next 2Y5.44%
EPS Next 3Y5.2%
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 (8/6/2025, 8:10:55 PM)

After market: 101.11 0 (0%)

101.11

-0.4 (-0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)10-20 2025-10-20/bmo
Inst Owners35.26%
Inst Owner Change-0.16%
Ins Owners59.71%
Ins Owner Change0.12%
Market Cap6.43B
Analysts72.5
Price Target108.02 (6.83%)
Short Float %3.44%
Short Ratio3.75
Dividend
Industry RankSector Rank
Dividend Yield 2.25%
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)0.28%
PT rev (3m)-3.02%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-0.43%
EPS NY rev (1m)0.19%
EPS NY rev (3m)-5.45%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 12.11
Fwd PE 11.19
P/S 3.07
P/FCF 5.89
P/OCF 5.06
P/B 1.11
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)8.35
EY8.26%
EPS(NY)9.04
Fwd EY8.94%
FCF(TTM)17.18
FCFY16.99%
OCF(TTM)19.99
OCFY19.77%
SpS32.97
BVpS90.74
TBVpS68.24
PEG (NY)6.56
PEG (5Y)3.87
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
WACC13.22%
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)6.78%
EPS 3Y-1.89%
EPS 5Y3.13%
EPS Q2Q%-13.78%
EPS Next Y1.85%
EPS Next 2Y5.44%
EPS Next 3Y5.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y3.05%
Revenue growth 5Y2.55%
Sales Q2Q%-16.13%
Revenue Next Year4.63%
Revenue Next 2Y5.86%
Revenue Next 3Y5.41%
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