BOK Financial Corporation (BOKF) vs Central Bancompany (CBC)

BOK Financial Corporation and Central Bancompany are both Banks Regional companies. BOK Financial Corporation and Central Bancompany are of similar size ($8.0B and $7.7B). BOK Financial Corporation trades at the lower P/E: 12.4× against 17.7×. Central Bancompany has the higher net margin (33.4% vs 18.9%) and the lower return on invested capital (14.8% vs 16.9%). Across the 16 metrics below, BOK Financial Corporation leads on 11 and Central Bancompany on 5.

Valuation

Metric BOKF CBC Banks Regional median
P/E 12.42 17.66 12.15
P/S 2.31 6.04 2.37
P/B 1.30 1.98 1.21
Price to free cash flow 5.58 15.81 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.43 5.43 2.27
Earnings yield 8.05% 5.66% 8.11%
Free cash flow yield 17.93% 6.33% 8.98%

Profitability

Metric BOKF CBC Banks Regional median
Gross margin 66.52% 88.37% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.85% 33.37% 18.66%
Free cash flow margin 41.39% 38.21% 21.18%
Return on equity 10.79% 0.00% 10.64%
Return on assets 1.24% 4.18% 1.13%
Return on invested capital 16.89% 14.75% 8.33%

Growth

Metric BOKF CBC Banks Regional median
Revenue growth (TTM) 1.10% — 6.61%
EPS growth (last fiscal year) 12.65% 26.24% —
Revenue growth, 5-year CAGR 9.86% — 12.30%
Net income growth, 5-year CAGR 5.83% — 9.71%

Health

Metric BOKF CBC Banks Regional median
Debt to equity 0.57 0.00 0.22
Current ratio 0.81 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOKF CBC Banks Regional median
Dividend yield 2.75% — 3.75%
Payout ratio 0.23 — 0.27

Size

Metric BOKF CBC Banks Regional median
Market cap 7.95b 7.66b 921.07m

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