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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.84
OKSBP's Cash to Debt is ranked higher than
73% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OKSBP: 0.84 )
OKSBP' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.84

Equity to Asset 0.14
OKSBP's Equity to Asset is ranked higher than
91% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OKSBP: 0.14 )
OKSBP' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.14

0.06
0.14
Interest Coverage 2.50
OKSBP's Interest Coverage is ranked higher than
80% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OKSBP: 2.50 )
OKSBP' s 10-Year Interest Coverage Range
Min: 0.19   Max: 2.5
Current: 2.5

0.19
2.5
F-Score: 5
Z-Score: 0.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 40.09
OKSBP's Operating margin (%) is ranked higher than
86% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. OKSBP: 40.09 )
OKSBP' s 10-Year Operating margin (%) Range
Min: -101.45   Max: 37.77
Current: 40.09

-101.45
37.77
Net-margin (%) 24.86
OKSBP's Net-margin (%) is ranked higher than
81% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. OKSBP: 24.86 )
OKSBP' s 10-Year Net-margin (%) Range
Min: -61.89   Max: 23.72
Current: 24.86

-61.89
23.72
ROE (%) 7.89
OKSBP's ROE (%) is ranked higher than
74% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. OKSBP: 7.89 )
OKSBP' s 10-Year ROE (%) Range
Min: -20.1   Max: 15.79
Current: 7.89

-20.1
15.79
ROA (%) 1.04
OKSBP's ROA (%) is ranked higher than
84% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OKSBP: 1.04 )
OKSBP' s 10-Year ROA (%) Range
Min: -2.63   Max: 1.22
Current: 1.04

-2.63
1.22
ROC (Joel Greenblatt) (%) 160.30
OKSBP's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. OKSBP: 160.30 )
OKSBP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -481.8   Max: 306.45
Current: 160.3

-481.8
306.45
Revenue Growth (%) -18.00
OKSBP's Revenue Growth (%) is ranked higher than
53% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OKSBP: -18.00 )
OKSBP' s 10-Year Revenue Growth (%) Range
Min: -18   Max: 18.9
Current: -18

-18
18.9
EBITDA Growth (%) 4.50
OKSBP's EBITDA Growth (%) is ranked higher than
71% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OKSBP: 4.50 )
OKSBP' s 10-Year EBITDA Growth (%) Range
Min: -18.2   Max: 23.4
Current: 4.5

-18.2
23.4
EPS Growth (%) 30.50
OKSBP's EPS Growth (%) is ranked higher than
92% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. OKSBP: 30.50 )
OKSBP' s 10-Year EPS Growth (%) Range
Min: -35.1   Max: 44.8
Current: 30.5

-35.1
44.8
» OKSBP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Preferred stocks of Southwest Bancorp Inc

SymbolPriceYieldDescription
OKSBP25.005.25Southwest Capital Trust II- 10.50% Trust Preferred Securities

Ratios

vs
industry
vs
history
P/E(ttm) 15.70
OKSBP's P/E(ttm) is ranked higher than
72% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. OKSBP: 15.70 )
OKSBP' s 10-Year P/E(ttm) Range
Min: 8.34   Max: 50.14
Current: 15.7

8.34
50.14
P/B 1.20
OKSBP's P/B is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. OKSBP: 1.20 )
OKSBP' s 10-Year P/B Range
Min: 0.25   Max: 2.61
Current: 1.2

0.25
2.61
P/S 3.91
OKSBP's P/S is ranked higher than
64% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. OKSBP: 3.91 )
OKSBP' s 10-Year P/S Range
Min: 0.65   Max: 4.74
Current: 3.91

0.65
4.74
PFCF 20.25
OKSBP's PFCF is ranked higher than
73% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. OKSBP: 20.25 )
OKSBP' s 10-Year PFCF Range
Min: 0.73   Max: 22.21
Current: 20.25

0.73
22.21
EV-to-EBIT 10.59
OKSBP's EV-to-EBIT is ranked higher than
95% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. OKSBP: 10.59 )
OKSBP' s 10-Year EV-to-EBIT Range
Min: 2.3   Max: 96.8
Current: 10.59

2.3
96.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.25
OKSBP's Dividend Yield is ranked lower than
88% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. OKSBP: 5.25 )
OKSBP' s 10-Year Dividend Yield Range
Min: 0.22   Max: 4.94
Current: 5.25

0.22
4.94
Yield on cost (5-Year) 5.25
OKSBP's Yield on cost (5-Year) is ranked lower than
86% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. OKSBP: 5.25 )
OKSBP' s 10-Year Yield on cost (5-Year) Range
Min: 0.22   Max: 4.94
Current: 5.25

0.22
4.94
Share Buyback Rate -3.10
OKSBP's Share Buyback Rate is ranked higher than
69% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OKSBP: -3.10 )
OKSBP' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -9.9
Current: -3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
OKSBP's Price/Tangible Book is ranked higher than
76% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. OKSBP: 1.22 )
OKSBP' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.36
Current: 1.22

0.29
2.36
Price/DCF (Projected) 0.48
OKSBP's Price/DCF (Projected) is ranked higher than
88% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OKSBP: 0.48 )
OKSBP' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 129.1
Current: 0.48

0.07
129.1
Price/Median PS Value 1.52
OKSBP's Price/Median PS Value is ranked higher than
59% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. OKSBP: 1.52 )
OKSBP' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 1.77
Current: 1.52

0.28
1.77
Price/Graham Number 0.93
OKSBP's Price/Graham Number is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OKSBP: 0.93 )
OKSBP' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.46
Current: 0.93

0.35
1.46
Earnings Yield (Greenblatt) 9.40
OKSBP's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. OKSBP: 9.40 )
OKSBP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 42.9
Current: 9.4

1
42.9
Forward Rate of Return (Yacktman) 16.90
OKSBP's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. OKSBP: 16.90 )
OKSBP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.3   Max: 128.8
Current: 16.9

-5.3
128.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southwest Bancorp Inc. was incorporated in 1981. It is a financial holding company which provides commercial and consumer banking services through its banking subsidiaries, Stillwater National, SNB Wichita, and SNB Kansas and management consulting services through BCG and HSSI. The company offers a variety of commercial and consumer lending and deposit services. Southwest has developed internet banking services, called SNB DirectBanker, for consumer and commercial customers, a highly automated lockbox, imaging, and information service for commercial customers called 'SNB Digital Lockbox,' and deposit products that automatically sweep excess funds from commercial demand deposit accounts and invest them in interest bearing funds. The commercial loans offered by Southwest include (i) commercial real estate loans, (ii) working capital and other commercial loans, (iii) construction loans, and (iv) Small Business Administration ('SBA') guaranteed loans. Consumer lending services include (i) student loans, (ii) residential real estate loans and mortgage banking services, and (iii) personal lines of credit and other installment loans. Southwest also offers deposit and personal banking services, including (i) commercial deposit services such as SNB Digital Lockbox, commercial checking, money market, and other deposit accounts, and (ii) retail deposit services such as certificates of deposit, money market accounts, checking accounts, NOW accounts, savings accounts, and automatic teller machine ( 'ATM') access. Insurance, benefit, and annuity products are offered through SNB Insurance Agency, Inc., a wholly owned subsidiary of Stillwater National. Trust services, personal brokerage, and credit cards are offered through relationships with independent institutions and SNB Kansas. The company's business operations are conducted through six operating segments that include regional divisions, a Secondary Market segment consisting of student lending and residential mortgage lending services, and an 'other' segment that includes funds management, SNB Wealth Management, and nonbank cash machine operations.

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