BOK Financial Corporation
BOK Financial Corporation Fundamental Analysis
BOK Financial Corporation (BOKF) shows moderate financial fundamentals with a PE ratio of 13.58, profit margin of 17.38%, and ROE of 9.79%. The company generates $3.5B in annual revenue with weak year-over-year growth of -74.77%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -23.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BOKF's fundamental strength across five key dimensions:
Efficiency Score
WeakBOKF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBOKF trades at attractive valuation levels.
Growth Score
ModerateBOKF shows steady but slowing expansion.
Financial Health Score
ModerateBOKF shows balanced financial health with some risks.
Profitability Score
ModerateBOKF maintains healthy but balanced margins.
Key Financial Metrics
Is BOKF Expensive or Cheap?
P/E Ratio
BOKF trades at 13.58 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BOKF's PEG of 1.44 indicates fair valuation.
Price to Book
The market values BOK Financial Corporation at 1.33 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.51 times EBITDA. This is generally considered low.
How Well Does BOKF Make Money?
Net Profit Margin
For every $100 in sales, BOK Financial Corporation keeps $17.38 as profit after all expenses.
Operating Margin
Core operations generate 21.39 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.79 in profit for every $100 of shareholder equity.
ROA
BOK Financial Corporation generates $1.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BOK Financial Corporation generates strong operating cash flow of $1.95B, reflecting robust business health.
Free Cash Flow
BOK Financial Corporation generates strong free cash flow of $1.89B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $29.81 in free cash annually.
FCF Yield
BOKF converts 22.25% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.58
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.44
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.33
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.45
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.78
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.17
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.10
vs 25 benchmark
How BOKF Stacks Against Its Sector Peers
| Metric | BOKF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.58 | 18.73 | Better (Cheaper) |
| ROE | 9.79% | 847.00% | Weak |
| Net Margin | 17.38% | 2562.00% | Weak |
| Debt/Equity | 0.78 | 0.93 | Neutral |
| Current Ratio | 0.17 | 674.76 | Weak Liquidity |
| ROA | 1.11% | -21692.00% (disorted) | Weak |
BOKF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BOK Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-53.83%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
48.18%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
100.00%
Industry Style: Value, Dividend, Cyclical
High Growth