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


BOK Financial (NASDAQ: BOKFGet a rating) and Southern First Bancshares (NASDAQ:SFSTGet a rating) are both finance companies, but which company is better? We’ll compare the two companies based on the strength of their profitability, risk, institutional ownership, earnings, valuation, dividends and analyst recommendations.

Institutional and Insider Ownership

39.1% of BOK Financial shares are held by institutional investors. By comparison, 83.9% of shares in Southern First Bancshares are held by institutional investors. 56.9% of BOK Financial shares are held by insiders of the company. Comparatively, 7.3% of Southern First Bancshares shares are held by insiders of the company. Strong institutional ownership is an indication that endowments, large money 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 assets
BOK Financial 29.37% 10.19% 1.12%
Southern First Bancshares 40.68% 16.51% 1.55%

Valuation and benefits

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

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
BOK Financial $1.85 billion 2.85 $618.12 million $7.76 9.97
Southern First Bancshares $110.27 million 3.17 $46.71 million $5.51 7.94

BOK Financial has higher revenue and profit than Southern First Bancshares. Southern First Bancshares trades at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Notes

This is a breakdown of recent ratings and target prices for BOK Financial and Southern First Bancshares, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
BOK Financial 0 5 1 0 2.17
Southern First Bancshares 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 likely higher upside, equity research analysts clearly believe that BOK Financial is more favorable 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 volatile than the S&P 500.

Summary

BOK Financial beats Southern First Bancshares on 8 out of 13 factors compared between the two stocks.

BOK Financial Company Profile (Get a rating)

BOK Financial Corporation operates as a financial holding company for BOKF, NA which provides 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 offers lending, treasury, cash management and commodity risk management products for small business, middle market and large commercial customers, as well as electronic funds transfer network TransFund. The Consumer Banking segment provides loan and deposit services to small businesses through a network of consumer branches; and engages in the origination and management of mortgage loans. The Wealth Management segment offers fiduciary, private banking, insurance and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through the trading of US government agency mortgage-backed securities and related derivative contracts, as well as the underwriting of securities of State and municipal. The Company also offers commercial loans, such as loans for working capital, acquisition or expansion of facilities, purchase of equipment 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 improvements to real estate and property held by borrowers for investment purposes; and residential and personal mortgages. In addition, the Company provides automated teller machines (ATMs), call centers, and internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATMs. The company was founded in 1910 and is based in Tulsa, Oklahoma.

Southern First Bancshares Company Profile (Get a rating)

Southern First Bancshares, Inc. operates as a banking holding company for Southern First Bank which provides various 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 various deposit products, including checking accounts, business checking accounts and savings accounts, as well as other term deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio includes commercial real estate loans; real estate construction loans; business enterprise loans for various industries, such as manufacturing, service industry and professional services fields; consumer real estate loans and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the Company provides other banking services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking. It operates through eight retail offices located in Greenville, Charleston and Columbia; three retail offices located in the Raleigh, Greensboro and Charlotte markets; and a retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.



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