| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
BOKF Overview
BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri.
BOK Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$101.32 |
| 52 Week High | US$55.83 |
| 52 Week Low | US$103.25 |
| Beta | 1.43 |
| 1 Month Change | 14.23% |
| 3 Month Change | 21.36% |
| 1 Year Change | 74.12% |
| 3 Year Change | 17.60% |
| 5 Year Change | 43.37% |
| Change since IPO | 2,237.51% |
Recent News & Updates
Does BOK Financial (NASDAQ:BOKF) Deserve A Spot On Your Watchlist?
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Shareholder Returns
| BOKF | US Banks | US Market | |
|---|---|---|---|
| 7D | 6.8% | 2.9% | 1.9% |
| 1Y | 74.1% | 77.0% | 33.4% |
Return vs Industry: BOKF underperformed the US Banks industry which returned 77% over the past year.
Return vs Market: BOKF exceeded the US Market which returned 33.4% over the past year.
Price Volatility
| BOKF volatility | |
|---|---|
| BOKF Beta | 1.43 |
| Industry Beta | 1.32 |
| Market Beta | 1 |
Stable Share Price: BOKF is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BOKF's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1910 | 4,817 | Steve Bradshaw | https://investor.bokf.com |
BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, and cash management services, as well as customer risk management products for small businesses, middle market, and larger commercial customers.
BOK Financial Fundamentals Summary
| BOKF fundamental statistics | |
|---|---|
| Market Cap | US$6.95b |
| Earnings (TTM) | US$652.42m |
| Revenue (TTM) | US$2.03b |
10.7x
P/E Ratio1.3x
P/B RatioIs BOKF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BOKF income statement (TTM) | |
|---|---|
| Revenue | US$2.03b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.03b |
| Expenses | US$1.37b |
| Earnings | US$652.42m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 9.51 |
| Gross Margin | 100.00% |
| Net Profit Margin | 32.20% |
| Debt/Equity Ratio | 32.5% |
How did BOKF perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield5%
Payout RatioValuation
Is BOK Financial undervalued compared to its fair value and its price relative to the market?
10.0%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BOKF ($101.32) is trading below our estimate of fair value ($112.6)
Significantly Below Fair Value: BOKF is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: BOKF is good value based on its PE Ratio (10.7x) compared to the US Banks industry average (11.1x).
PE vs Market: BOKF is good value based on its PE Ratio (10.7x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: BOKF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: BOKF is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).
Future Growth
How is BOK Financial forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
-14.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BOKF's earnings are forecast to decline over the next 3 years (-14.6% per year).
Earnings vs Market: BOKF's earnings are forecast to decline over the next 3 years (-14.6% per year).
High Growth Earnings: BOKF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BOKF's revenue (0.7% per year) is forecast to grow slower than the US market (9.9% per year).
High Growth Revenue: BOKF's revenue (0.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BOKF's Return on Equity is forecast to be low in 3 years time (8.2%).
Past Performance
How has BOK Financial performed over the past 5 years?
15.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BOKF has high quality earnings.
Growing Profit Margin: BOKF's current net profit margins (32.2%) are higher than last year (23.4%).
Past Earnings Growth Analysis
Earnings Trend: BOKF's earnings have grown by 15.5% per year over the past 5 years.
Accelerating Growth: BOKF's earnings growth over the past year (67.8%) exceeds its 5-year average (15.5% per year).
Earnings vs Industry: BOKF earnings growth over the past year (67.8%) exceeded the Banks industry 37.8%.
Return on Equity
High ROE: BOKF's Return on Equity (12.1%) is considered low.
Financial Health
How is BOK Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BOKF's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: BOKF has a low allowance for bad loans (86%).
Low Risk Liabilities: 93% of BOKF's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOKF has an appropriate level of Loans to Assets ratio (43%).
Low Risk Deposits: BOKF's Loans to Deposits ratio (52%) is appropriate.
Level of Bad Loans: BOKF has an appropriate level of bad loans (1.6%).
Dividend
What is BOK Financial current dividend yield, its reliability and sustainability?
2.05%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BOKF's dividend (2.05%) is higher than the bottom 25% of dividend payers in the US market (1.27%).
High Dividend: BOKF's dividend (2.05%) is low compared to the top 25% of dividend payers in the US market (3.48%).
Stability and Growth of Payments
Stable Dividend: BOKF's dividends per share have been stable in the past 10 years.
Growing Dividend: BOKF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (5.5%), BOKF's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BOKF's dividends in 3 years are forecast to be well covered by earnings (31.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.9yrs
Average management tenure
CEO
Steve Bradshaw (61 yo)
7.75yrs
Tenure
US$5,523,014
Compensation
Mr. Steven Glen Bradshaw, also known as Steve, serves as President and Chief Executive Officer of BOK Financial Corporation (“BOK Financial”) and BOKF, National Association ("BOKF") since January 1, 2014....
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD5.52M) is about average for companies of similar size in the US market ($USD6.29M).
Compensation vs Earnings: Steve's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: BOKF's management team is seasoned and experienced (5.9 years average tenure).
Board Members
Experienced Board: BOKF's board of directors are seasoned and experienced ( 12.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BOKF insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
BOK Financial Corporation's employee growth, exchange listings and data sources
Key Information
- Name: BOK Financial Corporation
- Ticker: BOKF
- Exchange: NasdaqGS
- Founded: 1910
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$6.950b
- Shares outstanding: 68.60m
- Website: https://investor.bokf.com
Number of Employees
Location
- BOK Financial Corporation
- Bank of Oklahoma Tower
- Boston Avenue at Second Street
- Tulsa
- Oklahoma
- 74172
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/26 22:33 |
| End of Day Share Price | 2021/10/26 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.