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BOK Financial Corporation (BOKF) vs United Bankshares, Inc. (UBSI)

BOK Financial Corporation and United Bankshares, Inc. are both Banks Regional companies. BOK Financial Corporation is the larger, with a market value of $7.9B against $6.6B — 1.2× the size. BOK Financial Corporation trades at the lower P/E: 11.8× against 13.1×. United Bankshares, Inc. grew revenue faster over the last twelve months: 3.71% against 2.18%. United Bankshares, Inc. has the higher net margin (28.0% vs 19.4%) and the lower return on invested capital (9.89% vs 11.3%). Both pay a dividend; United Bankshares, Inc. yields more (3.14% vs 1.94%). Across the 19 metrics below, United Bankshares, Inc. leads on 10 and BOK Financial Corporation on 9.

Valuation

Metric BOKF UBSI Banks Regional median
P/E 11.76 13.10 12.02
P/S 2.28 3.61 2.36
P/B 1.32 1.22 1.23
Price to free cash flow 9.29 12.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.51% 7.63% 8.21%
Free cash flow yield 10.76% 8.28% 9.23%

Profitability

Metric BOKF UBSI Banks Regional median
Gross margin 66.85% 70.16% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.40% 28.02% 18.82%
Free cash flow margin 24.48% 0.00% 17.97%
Return on equity 11.15% 9.45% 10.28%
Return on assets 1.28% 1.52% 1.13%
Return on invested capital 11.25% 9.89% 8.45%

Growth

Metric BOKF UBSI Banks Regional median
Revenue growth (TTM) 2.18% 3.71% 6.37%
EPS growth (last fiscal year) 12.65% 18.91% 18.85%
Revenue growth, 5-year CAGR 9.86% 9.57% 12.65%
Net income growth, 5-year CAGR 5.83% 9.96% 9.81%

Health

Metric BOKF UBSI Banks Regional median
Debt to equity 0.70 0.10 0.17
Current ratio 0.81 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOKF UBSI Banks Regional median
Dividend yield 1.94% 3.14% 2.49%
Payout ratio 0.23 0.41 0.29

Size

Metric BOKF UBSI Banks Regional median
Market cap 7.90b 6.59b 934.85m

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