Head-On: BOK Financial (NASDAQ:BOKF) vs. Southern First Bancshares (NASDAQ:SFST)



BOK Finance (NASDAQ: BOKFreceived rating) and Southern First Bancshares (NASDAQ:SFSTreceived rating) are both financial companies, but which is the better deal? We will compare the two companies based on their profitability, risk, institutional ownership, earnings, valuation, dividends, and analyst ratings.

Institutional and Insider Ownership

39.1% of BOK Financial shares are owned by institutional investors. In comparison, 83.9% of Southern First Bancshares’ stock is owned by institutional investors. 56.9% of BOK Financial shares are owned by company insiders. In comparison, 7.3% of Southern First Bancshares’ stock is owned by company insiders. Strong institutional ownership is an indication that endowments, large asset managers, and hedge funds believe a company is poised for long-term growth.

profitability

This table compares the net margins, return on equity and return on assets of BOK Financial and Southern First Bancshares.

net margins return on equity return on investment
BOK Finance 29.37% 10.19% 1.12%
Southern First Bank Shares 40.68% 16.51% 1.55%

evaluation and result

This table compares the gross earnings, earnings per share (EPS) and valuation of BOK Financial and Southern First Bancshares.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
BOK Finance $1.85 billion 2.85 $618.12 million $7.76 9.97
Southern First Bank Shares $110.27 million 3.17 $46.71 million $5.51 7.94

BOK Financial has higher revenues and profits than Southern First Bancshares. Southern First Bancshares is trading at a lower price-to-earnings multiple than BOK Financial, suggesting it’s the cheaper of the two stocks at the moment.

Analyst Ratings

This is a breakdown of the most recent ratings and price targets for BOK Financial and Southern First Bancshares, as provided by MarketBeat.com.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
BOK Finance 0 5 1 0 2.17
Southern First Bank Shares 0 0 0 0 N / A

BOK Financial currently has a consensus price target of $98.57, indicating a potential upside of 27.40%. Given BOK Financial’s more likely upside potential, equities research analysts clearly think BOK Financial is cheaper than Southern First Bancshares.

volatility and risk

BOK Financial has a beta of 1.36, suggesting its stock price is 36% more volatile than the S&P 500. In comparison, Southern First Bancshares has a beta of 0.94, suggesting its stock price is 6% less is more volatile than the S&P 500.

summary

BOK Financial beats Southern First Bancshares on 8 of the 13 factors comparing the two stocks.

BOK Financial company profile (received rating)

BOK Financial Corporation acts as the financial holding company for BOKF, NA, which offers 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 provides credit, treasury, cash management and commodity risk management products to small, medium and large commercial customers and operates the TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through a consumer branch network; and deals with the origination and servicing of mortgage loans. The Wealth Management segment offers trustee, private banking, insurance and investment advisory services; and broking and trading services principally connected with the provision of liquidity to the mortgage markets through the trading of US government mortgage-backed securities and related derivative contracts, and state and municipal securities. The company also offers commercial loans such as B. Loans for working capital, facility acquisition or expansion, equipment purchases and other needs of commercial customers; and services, healthcare, manufacturing, wholesale/retail, energy and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other extensions to real estate and property held by borrowers for investment purposes; and home mortgages and personal loans. In addition, the company offers automated teller machines (ATM), call centers, and internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

Corporate Profile of Southern First Bancshares (received rating)

Southern First Bancshares, Inc. functions as the bank holding company of Southern First Bank, which offers a variety of banking products and services to the general public in South Carolina, North Carolina and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking and Corporate Operations. The Company accepts a variety of deposit products including checking accounts, commercial checking accounts, and savings accounts, as well as other term deposits including overnight deposit accounts and long-term certificates of deposit. The loan portfolio includes commercial real estate loans; construction loans for real estate; commercial business loans for various lines of business, such as; B. the manufacturing, service industries and professional services sectors; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company offers other banking services such as internet banking, cash management, safe deposit boxes, direct deposit, automatic exchange, bill payment and mobile banking services. It operates through eight retail offices in Greenville, Charleston and Columbia; three retail offices in the Raleigh, Greensboro and Charlotte markets; and a retail office in Atlanta. The company was founded in 1999 and is headquartered in Greenville, South Carolina.



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