BOKF

BOK Financial Corporation

Fundamental data last updated:September 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through consumer branch network; and engages in the mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, 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, manufacturing, wholesale/retail, energy, and other 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 and personal loans. Further, the company provides automated teller machine (ATM), call center, 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.

 


Analyze BOKF on TradingView

VALUATION

P/E

12.52

Market Cap ($M USD)

$7.78B

Forward P/E

11.88

PEG

2.22

PRICE TO SALES

2.32

PRICE TO BOOK

1.29

EV / EBITDA

16.93

5-Year Average P/E

Free Cash Flow Yield

22.99%

DCF Value

$126.14

Graham Number

$151.31

Price to FCF

4.35

EV to FCF

7.68

Earnings Yield

7.99%

FCF Yield

22.99%

DIVIDEND

Yield

1.92%

Annual Payout

$2.46

Payout Ratio

24.21%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$10.23

Next Year EPS Growth Estimate

$10.77

Next Year Revenue Growth Estimate

$2.49B

Return on Equity (ROE)

10.32%

FREE CASH FLOW

Operating Margin

22.54%

Debt-to-Equity

0.78

Piotroski F-Score

7

Altman Z-Score

0.37

Return on Invested Capital (ROIC)

1.43%

Current Ratio

1.27

Quick Ratio

1.27

Net Debt to EBITDA

7.34

Interest Coverage

0.64

Gross Profit margin

64.92%

FCF PER SHARE

$29.79

REVENUE PER SHARE

$55.89

Analyze BOKF on TradingView

Gainseekers Quantitative Analysis

Summary

BOK Financial Corporation’s stock appears to be trading at a premium relative to its intrinsic value. With a snapshot price above its DCF value and Graham Number, the market seems to have high expectations. The Forward P/E of 12.30 suggests moderate growth potential, yet the Earnings Yield of 7.72% indicates a reasonable return. However, the negative Altman Z-score raises red flags about financial stability, hinting at potential distress. Overall, the valuation reflects a cautious optimism, but underlying risks cannot be ignored.

AI Exposure / Tech Reliance

As a regional bank, BOK Financial is positioned to leverage AI in enhancing customer service and operational efficiency. However, the traditional nature of its industry may slow rapid tech adoption. Its resilience will depend on how effectively it integrates these technologies into its core operations.

The Bull Case

For value investors, BOK Financial offers compelling reasons to buy. The ROIC of 9.12% and a robust Piotroski F-Score of 8 signal strong operational efficiency and financial health. With a Free Cash Flow Yield of 22.22%, the company demonstrates significant cash generation capabilities. Its operating margin of 22.54% underscores pricing power, suggesting management's adeptness at maintaining profitability.

The Bear Case

Despite some strengths, BOK Financial faces notable challenges. The Price/Book ratio of 1.33 and Price/Sales ratio of 2.40 indicate a potentially overvalued stock. The Altman Z-score is alarmingly negative, pointing to financial distress risks. Additionally, the stock's proximity to its 52-week high suggests it may be technically overextended, warranting caution for new investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$131.57

Institutional Ownership %

1-Year Beta

0.83

Insider Buying % (6 Mo)

Distance to 52-Week High

9.13%

Distance to 52-Week Low

28.66%

EARNINGS SURPRISE %

12.17%

50-DAY SMA

$130.94

200-DAY SMA

$120.87

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.