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Market Price

90.39 

0.80 0.9%

as of Apr 12 '21

52 Week Range:

37.80 98.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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. This segment also operates TransFund electronic funds network. The Consumer Banking segment provides lending and deposit services to small business customers through the retail branch network; and mortgage banking services. The Wealth Management segment offers fiduciary, private banking, and investment advisory services; and brokerage and trading services, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, wholesale/retail sector, and energy sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage, personal, and home equity loans. Further, the company provides automated teller machines, call center, and Internet and mobile banking services. As of December 31, 2017, it operated 2,223 TransFund ATM locations. BOK Financial Corporation was founded in 1910 and is headquartered in Tulsa, Oklahoma.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 35.61
40.09
43.29
40.88
46.92
51.25
52.01
53.35
50.12
68.42
74.94
growth rate 12.6% 8.0% -5.6% 14.8% 9.2% 1.5% 2.6% -6.1% 36.5% 9.5%
Earnings BIT 371.65
448.34
542.86
476.23
455.99
450.95
380.05
595.53
1,245.20
1,412.93
1,387.72
growth rate 20.6% 21.1% -12.3% -4.3% -1.1% -15.7% 56.7% 109.1% 13.5% -1.8%
Avg.PE 14.68
13.07
10.54
14.29
14.16
13.55
23.57
18.75
16.65
16.65
16.65
growth rate -11.0% -19.4% 35.6% -0.9% -4.3% 74.0% -20.5% -11.2% 0.0% 0.0%
ROA 1.04
1.16
1.30
1.14
1.03
0.94
0.72
1.02
1.26
1.24
0.97
growth rate 11.5% 12.1% -12.3% -9.7% -8.7% -23.4% 41.7% 23.5% -1.6% -21.8%
ROE 10.44
10.84
12.22
10.48
9.15
8.73
7.06
9.78
11.15
10.71
8.54
growth rate 3.8% 12.7% -14.2% -12.7% -4.6% -19.1% 38.5% 14.0% -4.0% -20.3%
ROIC 8.05
10.42
11.37
8.70
6.58
growth rate 29.4% 9.1% -23.5% -24.4%
Leverage 9.49
9.27
9.52
8.95
8.81
9.74
10.01
9.23
8.58
8.68
8.86
growth rate -2.3% 2.7% -6.0% -1.6% 10.6% 2.8% -7.8% -7.0% 1.2% 2.1%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 200.29
325.24
134.30
206.67
203.67
780.14
518.88
541.36
1,252.22
308.27
growth rate 62.4% -58.7% 53.9% -1.5% 283.0% -33.5% 4.3% 131.3% -75.4%
Acct.Payable 149.51
176.68
194.87
21,140.86
21,088.16
22,748.10
22,061.31
25,263.76
27,621.17
36,143.88
growth rate 18.2% 10.3% 10,748.7% -0.3% 7.9% -3.0% 14.5% 9.3% 30.9%
Cur.Assets 3,639.13
3,895.12
4,691.32
3,768.92
4,129.34
4,660.96
7,350.34
growth rate 7.0% 20.4% -19.7% 9.6% 12.9% 57.7%
Total Assets 23,941.60
25,493.95
28,148.63
27,015.43
29,089.70
31,476.13
32,772.28
32,272.16
38,020.50
42,172.02
46,671.09
growth rate 6.5% 10.4% -4.0% 7.7% 8.2% 4.1% -1.5% 17.8% 10.9% 10.7%
Cash 1,247.90
11,242.53
12,852.37
11,411.23
2,475.84
2,643.60
2,537.50
2,317.05
1,143.42
1,258.82
1,180.57
growth rate 800.9% 14.3% -11.2% -78.3% 6.8% -4.0% -8.7% -50.7% 10.1% -6.2%
Inventory 101.86
30.73
44.29
28.44
17.49
20.36
90.53
growth rate -69.8% 44.1% -35.8% -38.5% 16.4% 344.7%
Cur.Liabilities 23,164.98
23,039.45
24,314.90
23,331.82
27,009.23
32,148.31
38,839.13
growth rate -0.5% 5.5% -4.0% 15.8% 19.0% 20.8%
Liabilities 21,419.90
22,743.48
25,190.77
23,995.38
25,753.49
28,208.49
29,465.92
28,753.83
33,577.46
37,308.10
41,379.53
growth rate 6.2% 10.8% -4.8% 7.3% 9.5% 4.5% -2.4% 16.8% 11.1% 10.9%
LT Debt 2,010.00
236.52
283.59
247.19
2,467.46
5,044.75
4,968.24
5,259.63
6,384.75
4,787.56
2,139.48
growth rate -88.2% 19.9% -12.8% 898.2% 104.5% -1.5% 5.9% 21.4% -25.0% -55.3%
Equity 2,521.70
2,750.47
2,957.86
3,020.05
3,302.18
3,230.56
3,274.85
3,495.37
4,432.11
4,855.80
5,266.27
growth rate 9.1% 7.5% 2.1% 9.3% -2.2% 1.4% 6.7% 26.8% 9.6% 8.5%
Common Shares 68.00
68.00
68.00
68.00
69.00
68.00
65.00
65.00
67.00
71.00
70.00
growth rate 0.0% 0.0% 0.0% 1.5% -1.5% -4.4% 0.0% 3.1% 6.0% -1.4%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 33.60
56.20
118.37
307.32
265.41
199.80
250.78
345.08
384.64
141.13
growth rate 67.3% 110.6% 61.1% -13.6% -24.7% 25.5% 37.6% 11.5% -63.3%
Cash Dividends 66.60
76.42
166.98
104.72
111.03
115.28
113.46
116.04
127.19
143.50
144.44
growth rate 14.8% 118.5% -37.3% 6.0% 3.8% -1.6% 2.3% 9.6% 12.8% 0.7%
Cash From OA 365.20
327.79
591.55
736.32
-36.63
295.94
-91.95
214.93
-552.01
-473.68
-416.26
growth rate -10.2% 80.5% 24.5% -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 0.0%
FCF per Share 4.92
5.22
8.71
10.46
2.10
2.28
-5.62
3.40
0.04
-17.12
13.47
growth rate 6.1% 66.9% 20.1% -79.9% 8.6% -100.0% 100.0% -98.8% -100.0% 100.0%
Sale Purchase of Stock -11.91
-5.61
16.57
4.47
14.36
12.46
5.76
growth rate 0.0% 100.0% -73.0% 221.0% -13.3% -53.8%
FCF 334.00
328.00
592.00
736.00
-37.00
295.00
-93.00
215.00
-552.00
-474.00
-416.00
growth rate -1.8% 80.5% 24.3% -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 0.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 1,227.10
1,341.68
1,448.55
1,365.64
1,287.15
1,327.83
1,356.25
1,543.80
1,593.65
1,763.25
1,729.80
growth rate 9.3% 8.0% -5.7% -5.8% 3.2% 2.1% 13.8% 3.2% 10.6% -1.9%
Op.Income 371.70
285.88
351.19
316.61
472.46
458.62
383.37
556.40
618.32
682.10
624.01
growth rate -23.1% 22.9% -9.9% 49.2% -2.9% -16.4% 45.1% 11.1% 10.3% -8.5%
IBT 371.65
448.34
542.86
482.03
439.63
431.64
338.66
518.28
565.49
630.87
563.86
growth rate 20.6% 21.1% -11.2% -8.8% -1.8% -21.5% 53.0% 9.1% 11.6% -10.6%
Net Income 246.80
285.88
351.19
316.61
292.44
288.57
232.67
334.64
445.65
500.76
435.03
growth rate 15.8% 22.9% -9.9% -7.6% -1.3% -19.4% 43.8% 33.2% 12.4% -13.1%
EPS 3.61
4.17
5.13
4.59
4.22
4.21
3.53
5.11
6.63
7.03
6.19
growth rate 15.5% 23.0% -10.5% -8.1% -0.2% -16.2% 44.8% 29.8% 6.0% -12.0%
Gross Profit 1,287.15
1,327.83
1,356.25
1,543.80
1,593.65
1,763.25
1,729.80
growth rate 3.2% 2.1% 13.8% 3.2% 10.6% -1.9%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 338.33
244.99
297.72
427.00
405.09
growth rate -27.6% 21.5% 43.4% -5.1%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 1,252.22
2,379.22
2,090.65
2,180.01
308.27
growth rate 90.0% -12.1% 4.3% -85.9%
Acct.Payable 27,621.17
29,244.15
33,892.31
34,973.00
36,143.88
growth rate 5.9% 15.9% 3.2% 3.4%
Cur.Assets 3,065.01
6,718.82
5,655.34
6,516.34
7,350.34
growth rate 119.2% -15.8% 15.2% 12.8%
Total Assets 42,172.02
47,119.16
45,819.87
46,067.22
46,671.09
growth rate 11.7% -2.8% 0.5% 1.3%
Cash 1,258.82
973.08
1,247.77
1,006.37
1,180.57
growth rate -22.7% 28.2% -19.4% 17.3%
Inventory 20.36
128.50
149.90
195.62
90.53
growth rate 531.2% 16.7% 30.5% -53.7%
Cur.Liabilities 37,013.25
35,903.34
36,951.65
37,396.84
38,839.13
growth rate -3.0% 2.9% 1.2% 3.9%
Liabilities 37,308.10
42,085.00
40,715.45
40,841.12
41,379.53
growth rate 12.8% -3.3% 0.3% 1.3%
LT Debt 4,787.56
5,790.47
3,322.97
3,021.29
2,139.48
growth rate 21.0% -42.6% -9.1% -29.2%
Equity 4,855.80
5,026.25
5,097.00
5,218.79
5,266.27
growth rate 3.5% 1.4% 2.4% 0.9%
Common Shares 75.76
0.01
0.01
0.01
0.01
growth rate -100.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 76.01
119.79
297.03
590.43
-866.11
growth rate 57.6% 148.0% 98.8% -100.0%
Cash Dividends -36.16
36.14
35.85
35.85
36.60
growth rate 100.0% -0.8% 0.0% 2.1%
Cash From OA 582.84
-1,742.80
2,529.26
-425.93
-776.78
growth rate -100.0% 100.0% -100.0% 0.0%
Sale Purchase of Stock
growth rate
FCF 506.83
-1,862.59
2,232.23
-1,016.36
-1,642.89
growth rate -100.0% 100.0% -100.0% 0.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 434.20
347.91
375.48
505.91
500.51
growth rate -19.9% 7.9% 34.7% -1.1%
Op.Income 338.33
90.89
95.20
221.81
216.11
growth rate -73.1% 4.7% 133.0% -2.6%
IBT 140.61
79.28
80.09
204.64
199.85
growth rate -43.6% 1.0% 155.5% -2.3%
Net Income 110.35
62.08
64.69
154.03
154.22
growth rate -43.7% 4.2% 138.1% 0.1%
EPS
growth rate
Gross Profit 434.20
347.91
375.48
505.91
500.51
growth rate -19.9% 7.9% 34.7% -1.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (22.28)

YOY Growth Grade:

E (31.62)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.65 15.66 12.90
EPS / Growth -0.2% 5.77 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.1% 6.1%
Future PE 2.00 13.94 13.94
Future EPS 6.38 10.47 10.47
Value Price
MOS %
3.15
-96.5%
36.06
-60.1%
36.06
-60.1%
MOS Price 1.58 18.03 18.03
IRT 14.48 10.82 10.82

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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