BOK Financial Corporation (BOKF) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

BOK Financial Corporation (BOKF) Financial Services Profile

BOK Financial Corporation (BOKF) stands out in the regional banking sector by offering a comprehensive suite of financial products and services, including commercial and consumer banking, along with wealth management, catering primarily to clients in the southern and central United States.

What Is the Investment Thesis for BOKF?

BOK Financial Corporation's strong financial metrics, including a market capitalization of $8.53B and a P/E ratio of 12.9, reflect its solid market position. The company's profit margin of 18.3% and gross margin of 64.9% are indicative of efficient operations and effective cost management. Key growth catalysts include expanding its wealth management services and enhancing its digital banking capabilities to attract younger customers. The regional focus on states with growing economies, such as Texas and Colorado, provides additional growth avenues. However, potential risks include economic downturns affecting loan demand and regulatory changes impacting operational flexibility. Overall, BOKF's diversified service offerings and strategic positioning in high-growth markets underpin its potential for sustained growth.

Based on FMP financials and quantitative analysis

BOKF Key Highlights

• Market Cap of $8.53B, positioning BOKF as a leading regional financial institution.
• P/E ratio of 12.9, indicating a competitive valuation relative to peers.
• Profit margin of 18.3%, showcasing efficient cost management and profitability.
• Gross margin of 64.9%, reflecting strong operational efficiency.
• Dividend yield of 1.81%, providing a return to shareholders.

Who Are BOKF's Competitors?

BOKF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are BOKF's Key Strengths?

• Strong financial performance with solid profit margins.
• Diverse revenue streams across commercial, consumer, and wealth management segments.
• Established network of ATMs and branches enhancing customer accessibility.

What Are BOKF's Weaknesses?

• Regional focus may limit growth opportunities compared to national banks.
• Potential exposure to economic downturns affecting loan demand.
• Dependence on interest income, which can be volatile in changing rate environments.

What Could Drive BOKF Stock Higher?

• Expansion of digital banking services to attract a younger customer base.
• Growth in wealth management services as demand for investment advisory increases.
• Continued focus on commercial lending in high-growth sectors such as healthcare and technology.
• Strategic entry into new geographic markets to capture additional market share.
• Enhancement of customer service through improved technology and operational efficiencies.

What Are the Key Risks for BOKF?

• Financial-distress signal — its Altman Z-Score of 0.57 sits in the distress zone (elevated bankruptcy risk).
• Insider selling — insiders were net sellers of roughly $1.1M recently.
• Economic downturns impacting loan demand and credit quality.
• Regulatory changes affecting operational practices and compliance costs.
• Increased competition from both regional and national banks.
• Sensitivity to interest rate fluctuations impacting net interest margins.

What Are the Growth Opportunities for BOKF?

• Growth opportunity 1: BOK Financial is focusing on expanding its wealth management services, which currently represent a significant revenue stream. The wealth management market is projected to grow to $100 trillion by 2025, driven by increasing affluence and demand for investment advisory services. BOKF's established reputation and existing client base provide a competitive advantage in capturing this growing market segment.
• Growth opportunity 2: The digital banking sector is rapidly evolving, with consumers increasingly preferring online and mobile banking solutions. BOKF's investment in enhancing its digital banking platform aims to attract younger customers and improve customer engagement. The digital banking market is expected to reach $1 trillion by 2025, providing substantial growth potential for BOKF as it aligns its offerings with consumer preferences.
• Growth opportunity 3: BOKF's expansion into new geographic markets, particularly in states like Colorado and Arizona, presents an opportunity to capture new customer segments. These regions are experiencing population growth and economic expansion, which can drive demand for banking services. BOKF's strategic focus on these areas can enhance its market presence and revenue generation.
• Growth opportunity 4: The increasing demand for commercial loans, particularly in sectors such as healthcare and technology, offers BOKF a chance to expand its lending portfolio. With a projected growth rate of 6% in commercial lending over the next few years, BOKF can leverage its expertise to meet the needs of businesses seeking capital for expansion.
• Growth opportunity 5: BOKF's commitment to sustainability and responsible banking practices can enhance its brand reputation and attract socially conscious customers. As more consumers prioritize environmental and social governance (ESG) factors, BOKF's initiatives in this area can differentiate it from competitors and create new business opportunities.

What Opportunities Does BOKF Have?

• Expansion into new geographic markets with growing economies.
• Increasing demand for digital banking solutions among consumers.
• Growth in wealth management services driven by rising affluence.

What Threats Does BOKF Face?

• Intense competition from both regional and national banks.
• Regulatory changes that could impact operational flexibility.
• Economic uncertainties that may affect customer borrowing and spending.

What Are BOKF's Competitive Advantages?

• Established brand reputation and trust built over more than a century of operation.
• Diverse product offerings that cater to a wide range of customer needs.
• Strong regional presence in high-growth markets, providing competitive advantages over larger national banks.
• Robust digital banking capabilities that enhance customer experience and engagement.

What Does BOKF Do?

Founded in 1910, BOK Financial Corporation operates as the financial holding company for BOKF, NA, headquartered in Tulsa, Oklahoma. Over the years, the company has evolved from a local bank into a significant regional player, providing various financial products and services across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. BOKF operates through three main segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment focuses on lending, treasury, cash management, and customer commodity risk management, serving small businesses to larger commercial clients. The Consumer Banking segment offers lending and deposit services through a network of branches and engages in mortgage loan origination and servicing. Meanwhile, the Wealth Management segment provides fiduciary services, private banking, insurance, investment advisory, and brokerage services, particularly in the mortgage-backed securities market. As of December 31, 2021, BOKF operated 2,593 TransFund ATM locations, enhancing its service delivery. The company’s diverse offerings and strategic geographic presence position it competitively within the regional banking landscape, allowing it to meet the financial needs of various customer segments effectively.

What Products and Services Does BOKF Offer?

• Provide a range of commercial banking services including loans, treasury management, and cash management.
• Offer consumer banking products such as personal loans, mortgages, and deposit accounts.
• Deliver wealth management services including investment advisory, fiduciary services, and insurance.
• Operate a network of ATMs and provide digital banking solutions for customer convenience.
• Engage in trading and underwriting of state and municipal securities.
• Manage customer commodity risk through tailored financial products.

How Does BOKF Make Money?

• Generate revenue through interest income from loans and fees from various banking services.
• Offer wealth management services that include advisory fees and commissions on investment products.
• Provide treasury management services to commercial clients, generating recurring fee income.
• Engage in mortgage origination and servicing, earning fees from loan processing and servicing activities.

What Industry Does BOKF Operate In?

The regional banking industry is characterized by a growing demand for personalized financial services and the increasing importance of digital banking solutions. As consumers and businesses seek more tailored banking experiences, institutions like BOK Financial Corporation are well-positioned to capitalize on these trends. The regional banking sector is expected to grow at a CAGR of approximately 5% over the next five years, driven by economic recovery and increased lending activity. BOKF competes with other regional banks such as UMB Financial Corporation (UMBF), Commerce Bancshares, Inc. (CBSH), Prosperity Bancshares, Inc. (PB), Glacier Bancorp, Inc. (GBCI), and United Bankshares, Inc. (UBSI), each vying for market share in this evolving landscape.

Who Are BOKF's Key Customers?

• Small businesses seeking commercial banking services.
• Consumers looking for personal banking products, including mortgages and loans.
• High-net-worth individuals requiring wealth management and investment advisory services.
• Commercial clients in various sectors such as healthcare, manufacturing, and retail.

BOKF Valuation & Market Position

With a $8.53B market cap, BOK Financial Corporation sits in the mid-cap segment of the market. Relative to its peer group, BOKF's quantitative score of 89/100 is roughly in line with the peer average of 88/100.

FY2026 estForward Outlook

Wall Street analysts project BOK Financial Corporation revenue of about $2.28B for fiscal 2026, with EPS near $10.34. The estimate reflects 5 contributing analysts.

F-Score 7/9Financial Health

BOK Financial Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.57 places it in the distress zone, a signal of elevated financial risk.

ROE 10%Key Financial Metrics

Return on equity for BOK Financial Corporation stands at 10.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. BOKF trades at a trailing price-to-earnings ratio of 12.87, below the Financial Services sector average of ~18x. Its free cash flow yield is 21.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 12.83 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.4%, the inverse of the P/E and a quick read on earnings relative to price.

Net buyingInsider Activity

Over the past six months, BOK Financial Corporation insiders filed 29 SEC Form 4 transactions — 15 sales and 14 purchases. On net that is roughly 15K shares acquired (about $1.1M) — insiders putting money in tends to read as conviction.

BOKF Financials

BOKF Latest News

BOKF Analyst Consensus

BOKF MoonshotScore

BOKF Financial Services Stock FAQ

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

Official Resources