BOK Financial Corporation (BOKF) Stock Analysis & Winston Score

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, cash management, and customer commodity risk management products for small businesses, middle market, and larger commer

Winston Score History

Score breakdown

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Quality

Gross Margin

67.0%

Premium pricing power — 67.0% gross margin

Operating Margin

24.1%

Excellent — 24.1% operating margin

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.1%

Shrinking sales (-0.1% YoY)

EPS YoY

+13.8%

Earnings growing (13.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

316%

Turns 316% of profit into real cash

FCF Margin

53.3%

Converts sales into free cash efficiently (53.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

1.15

Elevated debt (1.15)

Interest Cover

0.64x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

14.0x

no trend

Attractive valuation — P/E 14.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.4

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

1.77%

no trend

Small dividend — 1.77% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+8.8%

no trend

Dividend growing modestly (8.8% YoY)

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