Bok Financial Corp - Understand $bokf stock

$BOKF Market Cap: $7.66 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$1.997B

TTM

Gross Margin

Net Earnings

$469.3M

TTM

Current Assets

Current Liabilities

$1.084B

Q3 2024

Current Ratio

Total Assets

$50.08B

Q3 2024

Total Liabilities

$44.47B

Q3 2024

Book Value

$5.615B

Q3 2024

Cash

$1.476B

Q3 2024

P/E

16.32

Nov 29, 2024 EST

Free Cash Flow

$266.3M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990
Revenue	$2.342B	$1.392B	$1.180B	$1.269B	$1.532B	$1.228B	$972.8M	$829.1M	$766.8M	$732.2M	$745.4M	$794.9M	$813.1M	$851.1M
YoY Change	68.27%	17.98%	-7.02%	-17.16%	24.71%	26.28%	17.32%	8.12%	4.72%	-1.76%	-6.23%	-2.25%	-4.46%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$2.342B	$1.392B	$1.180B	$1.269B	$1.532B	$1.228B	$972.8M	$829.1M	$766.8M	$732.2M	$745.4M	$794.9M	$813.1M	$851.1M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$181.4M	$165.9M	$151.6M	$135.5M	$125.0M	$114.8M	$147.0M	$131.8M	$122.4M	$115.2M	$106.0M	$98.90M	$97.98M	$87.75M
YoY Change	9.32%	9.43%	11.89%	8.41%	8.87%	-21.89%	11.48%	7.73%	6.21%	8.74%	7.14%	0.95%	11.65%
% of Gross Profit
Depreciation & Amortization	$68.70M	$68.40M	$63.40M	$54.30M	$51.60M	$51.20M	$47.70M	$40.00M	$34.00M	$33.00M	$30.00M	$33.00M	$32.00M	$33.00M	$60.30M	$51.30M	$43.50M	$39.30M	$44.90M	$47.30M	$64.40M	$65.80M	$69.20M	$54.40M	$41.10M	$40.00M	$32.90M	$23.70M	$19.60M	$16.90M	$13.90M	$9.800M	$6.100M	$4.900M
YoY Change	0.44%	7.89%	16.76%	5.23%	0.78%	7.34%	19.25%	17.65%	3.03%	10.0%	-9.09%	3.13%	-3.03%	-45.27%	17.54%	17.93%	10.69%	-12.47%	-5.07%	-26.55%	-2.13%	-4.91%	27.21%	32.36%	2.75%	21.58%	38.82%	20.92%	15.98%	21.58%	41.84%	60.66%	24.49%	-47.31%
% of Gross Profit
Operating Expenses	$181.4M	$165.9M	$151.6M	$135.5M	$125.0M	$114.8M	$147.0M	$131.8M	$122.4M	$115.2M	$106.0M	$98.90M	$97.98M	$87.75M
YoY Change	9.32%	9.43%	11.89%	8.41%	8.87%	-21.89%	11.48%	7.73%	6.21%	8.74%	7.14%	0.95%	11.65%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$1.070B	$180.7M	$61.90M	$160.6M	$419.1M	$243.6M	$131.1M	$81.89M	$63.47M	$67.05M	$70.89M	$87.32M	$120.1M	$142.0M
YoY Change	492.23%	191.98%	-61.45%	-61.69%	72.06%	85.85%	60.03%	29.01%	-5.33%	-5.43%	-18.81%	-27.29%	-15.44%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990
Pretax Income	$683.2M	$660.2M	$796.1M	$563.9M	$630.9M	$565.5M	$518.3M	$338.7M	$431.6M	$439.6M	$482.0M	$542.9M	$448.3M	$371.7M	$310.7M	$210.6M	$336.8M	$327.6M	$314.7M	$270.5M	$247.3M	$228.7M	$176.6M	$147.8M	$133.7M	$116.9M	$84.70M	$69.50M	$64.00M	$59.70M	$54.10M	$41.10M	$19.40M	$8.000M
YoY Change	3.5%	-17.08%	41.19%	-10.62%	11.56%	9.11%	53.04%	-21.54%	-1.82%	-8.8%	-11.21%	21.08%	20.63%	19.62%	47.53%	-37.47%	2.81%	4.1%	16.34%	9.38%	8.13%	29.5%	19.49%	10.55%	14.37%	38.02%	21.87%	8.59%	7.2%	10.35%	31.63%	111.86%	142.5%	-122.35%
Income Tax	$152.1M	$139.9M	$179.8M	$128.8M	$130.2M	$119.1M	$182.6M	$106.4M	$139.4M	$144.2M	$163.1M	$188.7M	$158.5M	$123.4M	$106.7M	$64.90M	$115.8M	$114.6M	$113.2M	$91.40M	$88.90M	$80.80M	$62.40M	$47.60M	$44.50M	$37.20M	$16.50M	$15.30M	$14.80M	$14.60M	$16.20M	$11.40M	$7.000M	$2.800M
% Of Pretax Income	22.26%	21.19%	22.58%	22.84%	20.64%	21.05%	35.23%	31.41%	32.29%	32.79%	33.84%	34.77%	35.36%	33.19%	34.34%	30.82%	34.38%	34.98%	35.97%	33.79%	35.95%	35.33%	35.33%	32.21%	33.28%	31.82%	19.48%	22.01%	23.13%	24.46%	29.94%	27.74%	36.08%	35.0%
Net Earnings	$530.7M	$520.3M	$618.1M	$435.0M	$500.8M	$445.6M	$334.6M	$232.7M	$288.6M	$292.4M	$316.6M	$351.2M	$285.9M	$246.8M	$200.6M	$153.2M	$217.7M	$213.0M	$201.5M	$179.0M	$158.4M	$147.9M	$114.4M	$100.1M	$89.20M	$79.60M	$68.20M	$54.10M	$49.20M	$45.10M	$39.50M	$29.80M	$13.90M	$8.600M
YoY Change	2.01%	-15.83%	42.09%	-13.13%	12.37%	33.17%	43.83%	-19.37%	-1.32%	-7.64%	-9.85%	22.85%	15.85%	23.01%	30.94%	-29.63%	2.21%	5.71%	12.57%	13.01%	7.1%	29.28%	14.29%	12.22%	12.06%	16.72%	26.06%	9.96%	9.09%	14.18%	32.55%	114.39%	61.63%	-127.04%
Net Earnings / Revenue	22.66%	37.37%	52.39%	34.28%	32.69%	36.28%	34.4%	28.06%	37.63%	39.94%	42.48%	44.18%	35.16%	28.99%
Basic Earnings Per Share	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.22	$4.23	$4.61	$5.15	$4.18	$3.63
Diluted Earnings Per Share	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.21	$4.22	$4.59	$5.13	$4.17	$3.61	$2.972M	$2.270M	$3.220M	$3.165M	$3.007M	$2.684M	$2.382M	$2.297M	$1.804M	$1.596M	$1.418M	$1.266M	$1.089M	$912.3K	$832.5K	$763.1K	$674.1K	$527.4K	$491.2K	$341.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$622.2M	$565.2M	$574.0M	$551.0M	$536.0M	$330.0M	$317.0M	$326.0M	$306.0M	$274.0M	$278.0M	$266.0M	$263.0M	$265.0M	$280.0M	$277.0M	$259.0M	$188.0M	$180.0M	$173.0M	$176.0M	$152.0M	$141.0M	$132.0M	$119.0M	$88.00M	$65.00M	$47.00M	$48.00M	$43.00M	$38.00M	$29.00M	$21.00M	$36.00M
YoY Change	10.09%	-1.54%	4.17%	2.8%	62.42%	4.1%	-2.76%	6.54%	11.68%	-1.44%	4.51%	1.14%	-0.75%	-5.36%	1.08%	6.95%	37.77%	4.44%	4.05%	-1.7%	15.79%	7.8%	6.82%	10.92%	35.23%	35.38%	38.3%	-2.08%	11.63%	13.16%	31.03%	38.1%	-41.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$49.82B	$47.79B	$50.25B	$46.67B	$42.17B	$38.02B	$32.27B	$32.77B	$31.48B	$29.09B	$27.02B	$28.15B	$25.49B	$23.94B	$23.52B	$22.74B	$20.67B	$18.06B	$16.33B	$14.15B	$13.60B	$12.25B	$11.14B	$9.748B	$8.374B	$7.060B	$5.400B	$4.621B	$4.244B	$3.898B	$3.129B	$2.747B	$2.094B	$1.796B
YoY Change
Accounts Payable	$339.0M	$296.9M	$273.0M	$324.0M	$260.0M	$193.0M	$165.0M	$147.0M	$120.0M	$120.0M	$195.0M	$177.0M	$150.0M	$134.0M	$112.0M	$133.0M	$124.0M	$105.0M	$92.00M	$71.00M	$85.00M	$74.00M	$67.00M	$78.00M	$62.00M	$58.00M	$40.00M	$46.00M	$47.00M	$17.00M	$21.00M	$23.00M	$26.00M	$17.00M
YoY Change	14.19%	8.74%	-15.74%	24.62%	34.72%	16.97%	12.24%	22.5%	0.0%	-38.46%	10.17%	18.0%	11.94%	19.64%	-15.79%	7.26%	18.1%	14.13%	29.58%	-16.47%	14.86%	10.45%	-14.1%	25.81%	6.9%	45.0%	-13.04%	-2.13%	176.47%	-19.05%	-8.7%	-11.54%	52.94%
Accrued Expenses	$256.3M	$212.1M
YoY Change	20.87%
Deferred Revenue
YoY Change
Short-Term Debt	$1.123B	$2.270B	$2.326B	$1.662B	$3.818B	$1.018B	$575.0M	$727.0M	$1.214B	$1.245B	$1.682B	$2.706B	$2.371B	$3.117B	$4.605B	$4.547B	$4.253B	$2.376B	$1.371B	$1.676B	$1.727B	$1.682B	$1.727B	$2.735B	$2.284B	$1.701B	$1.026B	$946.0M	$948.0M	$974.0M	$241.0M	$156.0M	$155.0M	$124.0M
YoY Change	-50.55%	-2.39%	39.95%	-56.47%	275.05%	77.04%	-20.91%	-40.12%	-2.49%	-25.98%	-37.84%	14.13%	-23.93%	-32.31%	1.28%	6.91%	79.0%	73.3%	-18.2%	-2.95%	2.68%	-2.61%	-36.86%	19.75%	34.27%	65.79%	8.46%	-0.21%	-2.67%	304.15%	54.49%	0.65%	25.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$1.718B	$508.9M	$273.0M	$324.0M	$260.0M	$193.0M	$165.0M	$147.0M	$120.0M	$120.0M	$195.0M	$177.0M	$150.0M	$134.0M	$112.0M	$133.0M	$124.0M	$105.0M	$92.00M	$71.00M	$85.00M	$74.00M	$67.00M	$78.00M	$62.00M	$58.00M	$40.00M	$46.00M	$47.00M	$17.00M	$21.00M	$23.00M	$26.00M	$17.00M
YoY Change	237.59%	86.42%	-15.74%	24.62%	34.72%	16.97%	12.24%	22.5%	0.0%	-38.46%	10.17%	18.0%	11.94%	19.64%	-15.79%	7.26%	18.1%	14.13%	29.58%	-16.47%	14.86%	10.45%	-14.1%	25.81%	6.9%	45.0%	-13.04%	-2.13%	176.47%	-19.05%	-8.7%	-11.54%	52.94%
Long-Term Debt	$157.7M	$168.1M	$168.0M	$1.959B	$303.0M	$300.0M	$180.0M	$191.0M	$264.0M	$378.0M	$383.0M	$348.0M	$399.0M	$399.0M	$399.0M	$398.0M	$398.0M	$298.0M	$296.0M	$152.0M	$154.0M	$155.0M	$186.0M	$149.0M	$149.0M	$147.0M	$148.0M	$0.00	$0.00	$23.00M	$23.00M	$23.00M	$0.00	$0.00
YoY Change	-6.19%	0.07%	-91.42%	546.53%	1.0%	66.67%	-5.76%	-27.65%	-30.16%	-1.31%	10.06%	-12.78%	0.0%	0.0%	0.25%	0.0%	33.56%	0.68%	94.74%	-1.3%	-0.65%	-16.67%	24.83%	0.0%	1.36%	-0.68%			-100.0%	0.0%	0.0%
Other Long-Term Liabilities	$1.109B	$975.2M	$872.0M	$1.091B	$806.0M	$702.0M	$673.0M	$854.0M	$723.0M	$766.0M	$427.0M	$745.0M	$1.024B	$567.0M	$654.0M	$814.0M	$496.0M	$563.0M	$599.0M	$248.0M	$250.0M	$134.0M	$316.0M	$30.00M	$52.00M	$16.00M	$22.00M	$12.00M	$10.00M	$17.00M	$19.00M	$8.000M	$6.000M	$12.00M
YoY Change	13.72%	11.83%	-20.07%	35.36%	14.81%	4.31%	-21.19%	18.12%	-5.61%	79.39%	-42.68%	-27.25%	80.6%	-13.3%	-19.66%	64.11%	-11.9%	-6.01%	141.53%	-0.8%	86.57%	-57.59%	953.33%	-42.31%	225.0%	-27.27%	83.33%	20.0%	-41.18%	-10.53%	137.5%	33.33%	-50.0%
Total Long-Term Liabilities	$1.267B	$1.143B	$1.040B	$3.050B	$1.109B	$1.002B	$853.0M	$1.045B	$987.0M	$1.144B	$810.0M	$1.093B	$1.423B	$966.0M	$1.053B	$1.212B	$894.0M	$861.0M	$895.0M	$400.0M	$404.0M	$289.0M	$502.0M	$179.0M	$201.0M	$163.0M	$170.0M	$12.00M	$10.00M	$40.00M	$42.00M	$31.00M	$6.000M	$12.00M
YoY Change	10.79%	9.93%	-65.9%	175.02%	10.68%	17.47%	-18.37%	5.88%	-13.72%	41.23%	-25.89%	-23.19%	47.31%	-8.26%	-13.12%	35.57%	3.83%	-3.8%	123.75%	-0.99%	39.79%	-42.43%	180.45%	-10.95%	23.31%	-4.12%	1316.67%	20.0%	-75.0%	-4.76%	35.48%	416.67%	-50.0%
Total Liabilities	$44.68B	$43.11B	$44.89B	$41.41B	$37.32B	$33.59B	$28.78B	$29.50B	$28.25B	$25.79B	$24.00B	$25.19B	$22.74B	$21.42B	$21.31B	$20.89B	$18.73B	$16.34B	$14.79B	$12.75B	$12.37B	$11.15B	$10.31B	$9.045B	$7.817B	$6.535B	$4.964B	$4.261B	$3.943B	$3.661B	$2.915B	$2.600B	$1.987B	$1.726B
YoY Change	3.65%	-3.96%	8.41%	10.96%	11.1%	16.72%	-2.44%	4.43%	9.53%	7.47%	-4.75%	10.76%	6.18%	0.51%	2.03%	11.51%	14.65%	10.49%	16.01%	3.07%	10.9%	8.13%	14.02%	15.71%	19.62%	31.65%	16.5%	8.06%	7.7%	25.59%	12.12%	30.85%	15.12%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	65.65M shares	67.21M shares	68.59M shares	69.84M shares	70.79M shares	66.63M shares	64.75M shares	65.09M shares	67.59M shares	68.39M shares	67.99M shares	67.68M shares	67.79M shares	67.63M shares
Diluted Shares Outstanding	65.65M shares	67.21M shares	68.59M shares	69.84M shares	70.80M shares	66.66M shares	64.81M shares	65.14M shares	67.69M shares	68.54M shares	68.21M shares	67.96M shares	68.04M shares	67.83M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $7.6602 Billion

About BOK FINANCIAL CORP

BOK Financial Corp. is a holding company, which engages in the provision of financial solutions. The company is headquartered in Tulsa, Oklahoma and currently employs 4,972 full-time employees. The company offers full service banking in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. Its segments include Commercial Banking, Consumer Banking and Wealth Management. Its Commercial Banking segment includes lending, treasury and cash management services and customer commodity risk management products for small businesses, middle market and larger commercial customers. The company also includes the TransFund electronic funds network. Its Consumer Banking segment includes retail lending and deposit services, lending and deposit services to small business customers served through the retail branch network and all mortgage loan origination and servicing activities. Wealth Management segment offers brokerage and trading activities mainly related to providing liquidity to the mortgage markets through trading of United States government agency mortgage-backed securities and related derivative contracts.

Industry: National Commercial Banks Peers: FIRST FINANCIAL BANKSHARES INC SouthState Corp GLACIER BANCORP, INC. PINNACLE FINANCIAL PARTNERS INC PNC FINANCIAL SERVICES GROUP, INC. PROSPERITY BANCSHARES INC SYNOVUS FINANCIAL CORP VALLEY NATIONAL BANCORP WESTERN ALLIANCE BANCORPORATION WEBSTER FINANCIAL CORP