📊 BOKF Key Takeaways
Investment Thesis
BOK Financial demonstrates solid profitability with 22.8% net margins and strong free cash flow generation ($575.2M), supported by impressive revenue growth of 90.7% YoY. However, weak interest coverage (1.0x) and modest ROE (9.8%) raise concerns about earnings sustainability and capital efficiency, necessitating closer monitoring of debt management and operational leverage.
BOKF Strengths
- Exceptional revenue growth of 90.7% YoY indicates strong business expansion or acquisition activity
- Strong free cash flow generation ($575.2M) with 22.7% FCF margin provides financial flexibility
- Healthy net profit margin of 22.8% demonstrates operational efficiency in core banking operations
- Conservative leverage at 0.78x debt-to-equity provides balance sheet stability
BOKF Risks
- Critical interest coverage ratio of 1.0x leaves minimal margin for error in debt servicing and suggests elevated financial risk
- Weak ROE of 9.8% indicates inefficient capital deployment relative to shareholder equity
- Operating margin of 29.3% coupled with modest ROA of 1.1% suggests challenges in converting operating performance to asset returns
- High Form 4 insider activity (28 filings in 90 days) may indicate significant executive equity transactions requiring investigation
Key Metrics to Watch
- Interest coverage ratio trend - critical to validate debt sustainability
- ROE progression - monitor capital efficiency improvements
- Revenue growth sustainability - assess whether 90.7% growth is repeatable or driven by one-time factors
- Net interest margin trends in banking operations
- Capital adequacy ratios and regulatory compliance metrics
BOKF Financial Metrics
💡 AI Analyst Insight
The 22.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BOKF Profitability Ratios
BOKF vs Finance Sector
How BOK FINANCIAL CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BOKF Balance Sheet & Liquidity
BOKF 5-Year Financial Trend
5-Year Trend Summary: BOK FINANCIAL CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $8.02 reflects profitable operations.
BOKF Growth Metrics (YoY)
BOKF Capital Allocation
BOKF SEC Filings
Access official SEC EDGAR filings for BOK FINANCIAL CORP (CIK: 0000875357)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BOKF
What is the AI rating for BOKF?
BOK FINANCIAL CORP (BOKF) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BOKF's key strengths?
Exceptional revenue growth of 90.7% YoY indicates strong business expansion or acquisition activity. Strong free cash flow generation ($575.2M) with 22.7% FCF margin provides financial flexibility.
What are the risks of investing in BOKF?
Critical interest coverage ratio of 1.0x leaves minimal margin for error in debt servicing and suggests elevated financial risk. Weak ROE of 9.8% indicates inefficient capital deployment relative to shareholder equity.
What is BOKF's revenue and growth?
BOK FINANCIAL CORP reported revenue of $2.5B.
Does BOKF pay dividends?
BOK FINANCIAL CORP pays dividends, with $147.5M distributed to shareholders in the trailing twelve months.
Where can I find BOKF SEC filings?
Official SEC filings for BOK FINANCIAL CORP (CIK: 0000875357) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BOKF's EPS?
BOK FINANCIAL CORP has a diluted EPS of $9.17.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.