BOK Financial vs Cullen/Frost Bankers
BOKF and CFR side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BOKF and CFR compare
Cullen/Frost Bankers is the larger company, worth 1.2 times as much as BOK Financial ($9.8B against $7.9B).
On earnings, BOK Financial is cheaper: it trades at 12.2× trailing earnings, against 14.6× for Cullen/Frost Bankers.
BOK Financial grew revenue faster over the last twelve months (9.8% versus 6.6% for Cullen/Frost Bankers).
Cullen/Frost Bankers keeps more of each dollar of sales as profit, with a net margin of 29.5% compared with 28.5% at BOK Financial.
Both pay dividends: BOK Financial yields 1.9% and Cullen/Frost Bankers 2.6%.
BOK Financial scores higher on the StockData Score (16 against 10 for Cullen/Frost Bankers), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BOKF | CFR |
|---|---|---|
| Size and price | ||
| Market cap | $7.9B | $9.8B |
| Share price | $130.22 | $157.60 |
| Change, 1 year | 22.9% | 29.8% |
| Change, 5 years | 19.1% | 16.7% |
| Beta (5Y) | 0.83 | 0.69 |
| Employees | 5,034 | 6,008 |
| StockData Score | ||
| Total score | 16 (better) | 10 |
| Valuation score | 4 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 4 (better) | 3 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.2× (better) | 14.6× |
| P/S | 3.5× (better) | 4.2× |
| P/B | 1.3× (better) | 2.5× |
| P/FCF | 5.9× (better) | 16.9× |
| PEG | 2.01 (better) | 3.62 |
| FCF yield | 16.9% (better) | 5.9% |
| Fair value | $131.82 | $123.68 |
| Margin of safety | 1.2% (better) | −27.4% |
| Growth | ||
| Revenue growth (TTM) | 9.8% (better) | 6.6% |
| Revenue growth, 5Y average | 2.2% | 9.2% (better) |
| Net income growth (TTM) | 21.4% (better) | 8.2% |
| EPS growth (TTM) | 27.4% (better) | 10.7% |
| EPS growth, 5Y average | 8.2% | 14.2% (better) |
| Profitability | ||
| Net margin | 28.5% | 29.5% (better) |
| FCF margin | 58.5% (better) | 24.8% |
| Return on equity | 10.9% | 16.3% (better) |
| Financial health | ||
| Altman Z-score | 0.31 (better) | 0.28 |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% | 2.6% (better) |
| Payout ratio | 23.1% | 37.4% |
| Years of dividend growth | 12 | 16 (better) |
| Dividend growth, 5Y average | 2.7% | 6.7% (better) |
| Buyback yield | 4.5% (better) | 2.7% |
| Shareholder yield | 6.5% (better) | 5.3% |
| Ownership | ||
| Held by institutions | 37.6% | 96.3% |
| Held by insiders | 63.5% | 1.3% |
| Insider net buying, 12 months | −$2.1M | −$350K (better) |
| Short interest, % of float | 11.5% | 7.2% |
Go deeper
- BOKF stock overview
- BOKF income statement
- BOKF valuation and score
- CFR stock overview
- CFR income statement
- CFR valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.