BOK FINANCIAL CORPORATION(NASDAQ:BOKF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BOKF. BOKF was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of BOKF have multiple concerns. BOKF has a expensive valuation and it also scores bad on growth.

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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.

Of the past 5 years BOKF 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: BOKF reported negative operating cash flow in multiple years.

1.2 Ratios

With a decent Return On Assets value of 0.93%, BOKF is doing good in the industry, outperforming 62.41% of the companies in the same industry.

Looking at the Return On Equity, with a value of 8.30%, BOKF is in line with its industry, outperforming 50.88% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.3%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)1.09%

ROE(3y)10.9%

ROE(5y)10.23%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BOKF has a Profit Margin of 22.95%. This is comparable to the rest of the industry: BOKF outperforms 53.13% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	22.95%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.82%

PM growth 5Y-1.54%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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

BOKF has a debt to FCF ratio of 3.40. This is a good value and a sign of high solvency as BOKF would need 3.40 years to pay back of all of its debts.

BOKF has a Debt to FCF ratio of 3.40. This is comparable to the rest of the industry: BOKF outperforms 45.61% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that BOKF is not too dependend on debt financing.

BOKF has a Debt to Equity ratio (0.16) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	3.4
Altman-Z	N/A

ROIC/WACCN/A

WACC10.25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BOKF have decreased by -6.44% in the last year.

BOKF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.13% yearly.

EPS 1Y (TTM)-6.44%

EPS 3Y-1.89%

EPS 5Y3.13%

EPS Q2Q%8.72%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%4.29%

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 9.44% on average per year.

BOKF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.74% yearly.

EPS Next Y8.1%

EPS Next 2Y7.7%

EPS Next 3Y9.44%

EPS Next 5YN/A

Revenue Next Year6.42%

Revenue Next 2Y6.61%

Revenue Next 3Y7.74%

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.

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4. Valuation

4.1 Price/Earnings Ratio

BOKF is valuated correctly with a Price/Earnings ratio of 13.31.

BOKF's Price/Earnings is on the same level as the industry average.

BOKF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

BOKF is valuated correctly with a Price/Forward Earnings ratio of 12.31.

The rest of the industry has a similar Price/Forward Earnings ratio as BOKF.

When comparing the Price/Forward Earnings ratio of BOKF to the average of the S&P500 Index (22.68), we can say BOKF is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.31
Fwd PE	12.31

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOKF indicates a slightly more expensive valuation: BOKF is more expensive than 73.68% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	26.05
EV/EBITDA	N/A

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)1.64

PEG (5Y)4.26

EPS Next 2Y7.7%

EPS Next 3Y9.44%

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5. Dividend

5.1 Amount

BOKF has a Yearly Dividend Yield of 2.09%.

Compared to an average industry Dividend Yield of 3.18, BOKF is paying slightly less dividend.

BOKF's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.09%

5.2 History

The dividend of BOKF has a limited annual growth rate of 1.47%.

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)1.47%

Div Incr Years19

Div Non Decr Years19

5.3 Sustainability

BOKF pays out 30.46% of its income as dividend. This is a sustainable payout ratio.

The dividend of BOKF is growing, but earnings are growing more, so the dividend growth is sustainable.

DP30.46%

EPS Next 2Y7.7%

EPS Next 3Y9.44%

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BOK FINANCIAL CORPORATION

NASDAQ:BOKF (2/21/2025, 8:04:01 PM)

After market: 108.19 0 (0%)

108.19

-1.15 (-1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-17 2025-01-17/amc

Earnings (Next)04-22 2025-04-22/bmo

Inst Owners34.53%

Inst Owner Change-78.05%

Ins Owners59.77%

Ins Owner Change0.09%

Market Cap6.94B

Analysts73.33

Price Target126.82 (17.22%)

Short Float %1.68%

Short Ratio3.06

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.09%

Yearly Dividend2

Dividend Growth(5Y)1.47%

DP30.46%

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)6.73%

Min EPS beat(2)5.52%

Max EPS beat(2)7.95%

EPS beat(4)3

Avg EPS beat(4)-0.99%

Min EPS beat(4)-26.89%

Max EPS beat(4)9.48%

EPS beat(8)5

Avg EPS beat(8)0.31%

EPS beat(12)7

Avg EPS beat(12)1.26%

EPS beat(16)11

Avg EPS beat(16)6.03%

Revenue beat(2)1

Avg Revenue beat(2)2.43%

Min Revenue beat(2)-0.86%

Max Revenue beat(2)5.72%

Revenue beat(4)2

Avg Revenue beat(4)-0.47%

Min Revenue beat(4)-7.16%

Max Revenue beat(4)5.72%

Revenue beat(8)3

Avg Revenue beat(8)-0.8%

Revenue beat(12)5

Avg Revenue beat(12)-1.42%

Revenue beat(16)8

Avg Revenue beat(16)-0.4%

PT rev (1m)1.91%

PT rev (3m)7.39%

EPS NQ rev (1m)-0.67%

EPS NQ rev (3m)-0.67%

EPS NY rev (1m)-0.21%

EPS NY rev (3m)-0.04%

Revenue NQ rev (1m)-0.08%

Revenue NQ rev (3m)-0.08%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.1%

Valuation

		Industry Rank	Sector Rank
PE	13.31
Fwd PE	12.31
P/S	3.42
P/FCF	26.05
P/OCF	16.22
P/B	1.24
P/tB	1.65
EV/EBITDA	N/A

EPS(TTM)8.13

EY7.51%

EPS(NY)8.79

Fwd EY8.12%

FCF(TTM)4.15

FCFY3.84%

OCF(TTM)6.67

OCFY6.17%

SpS31.64

BVpS87.53

TBVpS65.51

PEG (NY)1.64

PEG (5Y)4.26

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.95%
GM	N/A
FCFM	13.12%

ROA(3y)1.12%

ROA(5y)1.09%

ROE(3y)10.9%

ROE(5y)10.23%

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 3Y4.82%

PM growth 5Y-1.54%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	3.4
Debt/EBITDA	N/A
Cap/Depr	150.48%
Cap/Sales	7.96%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	57.18%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC10.25%

ROIC/WACCN/A

Cap/Depr(3y)183.37%

Cap/Depr(5y)219.16%

Cap/Sales(3y)10.18%

Cap/Sales(5y)11.81%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-6.44%

EPS 3Y-1.89%

EPS 5Y3.13%

EPS Q2Q%8.72%

EPS Next Y8.1%

EPS Next 2Y7.7%

EPS Next 3Y9.44%

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%4.29%

Revenue Next Year6.42%

Revenue Next 2Y6.61%

Revenue Next 3Y7.74%

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-92.41%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-88.55%

OCF growth 3YN/A

OCF growth 5YN/A

BOK FINANCIAL CORPORATION (BOKF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens