회사 개요
BOK Financial Corporation operates as a financial holding company that delivers a comprehensive array of financial products and services across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri through its Commercial Banking and Consumer Banking segments. The company is categorized within the Financial Services sector and specifically functions in the Banks - Regional industry, positioning it as a key provider of localized banking solutions. Its substantial market capitalization stands at $8.25B, supported by annual revenue of $2.17B and a workforce comprising 5,034 employees. These figures collectively indicate a mid-sized regional bank with significant operational scale, reflecting a solid market presence that allows it to compete effectively within its specific geographic footprint while maintaining a diversified portfolio of banking operations.
재무 건전성
The company reported total revenue of $2.17B over the trailing twelve months, with net income reaching $573.98M, while specific EBITDA figures are not disclosed in the available data. The substantial gap between the $2.17B revenue and the $573.98M net income reveals a cost structure where operating expenses and provisions for loan losses consume a significant portion of top-line earnings, typical for regional banking operations. Although free cash flow data is not available, the company holds $7.35B in cash against $5.26B in debt, suggesting a robust liquidity position that provides flexibility for asset growth or strategic initiatives. Analysis of the three margin metrics shows a gross margin of 0.0%, an operating margin of 38.6%, and a profit margin of 26.6%, indicating that while the cost of goods sold is negligible in banking, the primary focus is on controlling operating expenses to achieve healthy profitability. The comparison of total cash versus total debt highlights a conservative balance sheet approach, as the cash reserves exceed total debt obligations, although a specific debt-to-equity ratio is not provided. Furthermore, while the current ratio is not listed, the strong cash position implies adequate short-term liquidity to meet immediate financial obligations. Return on Equity stands at 10.1% and Return on Assets at 1.1%, metrics that reveal management's effectiveness in generating shareholder value relative to equity invested and utilizing the asset base efficiently within the capital-intensive banking model.
밸류에이션 평가
The trailing twelve-month P/E ratio is 14.80, while the forward P/E is 13.27, implying that the market expects earnings growth that would justify a lower valuation multiple in the future. The price-to-book ratio is 1.39, indicating that the market values the company at a modest premium above its tangible book value, reflecting confidence in the quality of its loan portfolio and intangible assets. Alternative valuation metrics include a price-to-sales ratio of 3.79 and an EV/EBITDA that is not available, suggesting that analysts rely heavily on earnings and sales multiples to gauge the company's worth relative to peers. The stock has traded between a 52-week high of $138.42 and a 52-week low of $85.08, and without the specific current price, the relative position within this range cannot be calculated, but the spread suggests potential for volatility or consolidation depending on market conditions. The beta value of 0.84 indicates that the stock's price volatility is lower than the broader market, suggesting it may offer a more stable investment profile for those seeking reduced sensitivity to overall market swings compared to larger financial institutions.
Growth & Income
Revenue growth over the year stands at 12.7%, while earnings growth is significantly higher at 37.3%, implying that the company is improving its operational efficiency or benefiting from favorable net interest margin expansions that allow earnings to outpace top-line revenue growth. As a dividend payer, the company offers a dividend yield of 1.9% with a payout ratio of 25.5%, indicating a highly sustainable dividend policy given that the payout consumes only a quarter of its earnings, leaving ample room for reinvestment or special dividends. Since the payout ratio is low, the company retains a majority of its profits, which can be reinvested into loan growth, technology upgrades, or branch expansions to fuel future expansion. The overall growth and income profile combines double-digit revenue expansion with triple-digit earnings growth and a conservative dividend strategy, presenting a balanced approach for investors seeking both capital appreciation and income stability within the regional banking sector.