BOK Financial (NASDAQ:BOKF) and BNCCORP (OTCMKTS:BNCC) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, profitability, earnings, dividends and institutional ownership.
Institutional & Insider Ownership
40.0% of BOK Financial shares are owned by institutional investors. 54.9% of BOK Financial shares are owned by company insiders. Comparatively, 28.4% of BNCCORP shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current ratings and target prices for BOK Financial and BNCCORP, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BOK Financial | 0 | 4 | 3 | 0 | 2.43 |
| BNCCORP | 0 | 0 | 0 | 0 | N/A |
BOK Financial presently has a consensus price target of $91.00, suggesting a potential upside of 6.05%. Given BOK Financial’s higher possible upside, equities analysts plainly believe BOK Financial is more favorable than BNCCORP.
Profitability
This table compares BOK Financial and BNCCORP’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BOK Financial | 22.88% | 11.20% | 1.27% |
| BNCCORP | 15.48% | 11.53% | 0.98% |
Volatility and Risk
BOK Financial has a beta of 1.29, suggesting that its share price is 29% more volatile than the S&P 500. Comparatively, BNCCORP has a beta of 1.05, suggesting that its share price is 5% more volatile than the S&P 500.
Earnings & Valuation
This table compares BOK Financial and BNCCORP’s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BOK Financial | $1.85 billion | 3.30 | $445.65 million | $6.78 | 12.66 |
| BNCCORP | $53.49 million | 2.28 | $6.84 million | N/A | N/A |
BOK Financial has higher revenue and earnings than BNCCORP.
Summary
BOK Financial beats BNCCORP on 11 of the 12 factors compared between the two stocks.
About BOK Financial
BOK Financial Corporation operates as the financial holding company for BOKF, NA that 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, and cash management services, as well as customer risk management products for small businesses, middle market, and larger commercial customers. This segment also operates TransFund electronic funds network. The Consumer Banking segment provides lending and deposit services to small business customers through the retail branch network; and mortgage banking services. The Wealth Management segment offers fiduciary, private banking, and investment advisory services; and brokerage and trading services, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, wholesale/retail sector, and energy sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage, personal, and home equity loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2018, it operated 2,426 TransFund ATM locations. BOK Financial Corporation was founded in 1910 and is headquartered in Tulsa, Oklahoma.
About BNCCORP
BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. It offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. The company also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, it offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory; and professional services, such as tax, accounting, payroll, and business planning. The company offers community banking and wealth management services through 15 locations in Arizona, Minnesota, and North Dakota; and mortgage banking services through 13 locations in Arizona, Minnesota, North Dakota, Illinois, Kansas, and Missouri. BNCCORP, Inc. was founded in 1987 and is headquartered in Bismarck, North Dakota.
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