Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $6.78B
• Dividend Yield: 2.18%
• Average Volume (3M): 226.90K
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.02
• Revenue Growth: -3.04%
• EPS Growth: 15.29%
• Country: US
• Employees: 5,030
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.22
• Shares Outstanding: 63,611,095
• 10 Day Avg. Volume: 243,104
• 30 Day Avg. Volume: 226,903
• PEG Ratio: 8.66
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 4.74
• Enterprise Value/Market Cap: 1.53
• Enterprise Value/Revenue: 3.64
• Enterprise Value/Gross Profit: 6.71
• Enterprise Value/Ebitda: 13.05
• 1Y Price Target: $119.57
• Price Target Upside: 14.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7

• Rating: 68 Neutral
• Price Target: $120.00 ▲(14.50% Upside)

Bok Financial's overall score reflects strong earnings call results and reasonable valuation, offset by technical weaknesses and financial performance concerns. The company's profitability and positive future outlook are significant strengths, but declining revenue growth and cash flow issues need addressing.

Positive Factors

Loan Growth Momentum

Sustained loan growth indicates strong demand for BOKF's lending services, enhancing revenue potential and market position in the banking sector.

Net Interest Income Growth

Consistent growth in net interest income reflects effective interest rate management and supports profitability, strengthening BOKF's financial foundation.

Robust Capital Levels

High capital ratios provide a buffer against economic downturns, ensuring BOKF's stability and ability to invest in growth opportunities.

Negative Factors

Declining Revenue Growth

A decline in revenue growth can hinder BOKF's ability to expand and compete, potentially impacting long-term profitability and market share.

Cash Flow Efficiency Issues

Reduced cash flow growth and low cash conversion efficiency may limit BOKF's ability to reinvest in business operations and manage debt effectively.

Increased Non-Personnel Expenses

Rising expenses, particularly in technology and operations, could pressure margins and require strategic cost management to maintain profitability.

Bok Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Bok Financial generates revenue through multiple key streams, primarily from interest income on loans and fees from a variety of banking services. The company makes money by lending to individuals and businesses at higher interest rates than it pays on deposits, which contributes significantly to its net interest income. Additionally, BOKF earns non-interest income through service fees, asset management fees, mortgage origination fees, and investment banking services. Significant partnerships with other financial institutions and a robust presence in various markets further bolster its earnings. The company also benefits from its wealth management services, which provide continued revenue through management fees based on assets under management.

Bok Financial Financial Statement Overview

Summary

Bok Financial shows strong profitability with healthy net and EBIT margins. However, declining revenue growth and cash flow issues are concerns. The balance sheet is stable with moderate leverage, but there is room for improvement in equity utilization.

Income Statement

Bok Financial's income statement shows mixed results. The TTM (Trailing-Twelve-Months) data indicates a decline in revenue growth rate by 15.44%, which is concerning. However, the company maintains a healthy net profit margin of 18.87% and an EBIT margin of 24.09%, indicating strong profitability. The gross profit margin has decreased slightly over the periods, but remains robust. Overall, while profitability is strong, the declining revenue growth is a concern.

Balance Sheet

The balance sheet of Bok Financial reflects a stable financial position with a debt-to-equity ratio of 0.82 in the TTM period, showing moderate leverage. The return on equity is 9.39%, which is decent but has slightly decreased from previous years. The equity ratio is not explicitly calculated, but the company's equity position appears solid. Overall, the balance sheet is stable, but there is room for improvement in leveraging equity more effectively.

Cash Flow

The cash flow statement shows a decline in free cash flow growth by 29.43% in the TTM period, which is a significant concern. The operating cash flow to net income ratio is low at 0.023, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio remains strong at 1.0, suggesting that free cash flow is in line with net income. Overall, the cash flow position is concerning due to declining growth and low cash conversion efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.84B	3.36B	3.05B	2.00B	1.83B	2.05B
Gross Profit	1.54B	1.92B	1.93B	1.79B	1.87B	1.67B
EBITDA	792.10M	771.95M	793.14M	767.72M	898.57M	662.88M
Net Income	535.95M	523.57M	530.75M	520.27M	618.12M	435.03M
Balance Sheet
Total Assets	51.00B	49.69B	49.82B	47.79B	50.25B	46.67B
Cash, Cash Equivalents and Short-Term Investments	2.41B	14.29B	13.63B	12.90B	16.00B	14.23B
Total Debt	4.82B	4.45B	8.96B	7.14B	2.49B	3.82B
Total Liabilities	45.10B	44.13B	44.68B	43.10B	44.88B	41.38B
Stockholders Equity	5.89B	5.55B	5.14B	4.68B	5.36B	5.27B
Cash Flow
Free Cash Flow	897.35M	1.43B	66.18M	5.12B	-3.69B	-416.26M
Operating Cash Flow	897.35M	1.43B	66.18M	5.12B	-3.69B	-416.26M
Investing Cash Flow	390.13M	-477.23M	-1.79B	-4.60B	2.60B	-2.46B
Financing Cash Flow	-1.00B	-866.79M	1.67B	-1.95B	2.75B	2.80B

Bok Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 104.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOKF, the sentiment is Negative. The current price of 104.8 is below the 20-day moving average (MA) of 111.03, below the 50-day MA of 110.38, and above the 200-day MA of 102.63, indicating a neutral trend. The MACD of -0.99 indicates Positive momentum. The RSI at 40.08 is Neutral, neither overbought nor oversold. The STOCH value of 24.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BOKF.

Bok Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	73 Outperform	$5.16B	7.34	12.35%	3.83%	2.79%	2.11%
CADE	73 Outperform	$6.51B	12.86	9.10%	3.04%	14.40%	―
PNFP	72 Outperform	$6.86B	11.23	9.44%	1.08%	7.76%	49.85%
PB	70 Outperform	$6.03B	11.56	7.02%	3.69%	3.65%	20.33%
SNV	69 Neutral	$6.40B	8.61	14.32%	3.40%	8.95%	142.83%
BOKF	68 Neutral	$6.78B	12.65	9.16%	2.18%	-3.04%	15.29%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bok Financial Corporate Events

BOK Financial Reports Strong Loan Growth and Earnings

BOK Financial Corporation is a regional financial services company based in Tulsa, Oklahoma, operating in the banking sector with a diverse range of financial services including commercial and consumer banking, investment, and trust services. In its latest quarterly earnings report, BOK Financial announced a net income of $141 million, or $2.22 per share, reflecting a slight increase from the previous quarter. The company highlighted strong loan growth and an improved net interest margin, alongside increased revenues from fees and commissions, particularly in investment banking. Key financial metrics showed a net interest income of $337.6 million, a net interest margin expansion to 2.91%, and a growth in loans to $24.9 billion. Operating expenses rose due to higher personnel costs, while credit quality improved with a decline in nonperforming assets. Looking ahead, BOK Financial’s management remains optimistic about sustaining its growth trajectory and delivering value to shareholders, focusing on expanding its loan portfolio and fee-based businesses.

BOK Financial Reports Strong Q3 2025 Results

BOK Financial Corporation reported strong financial results for the third quarter of 2025, with a net income of $141 million, or $2.22 per share. The company experienced growth in net interest income, fees, and commissions revenue, and saw a significant increase in loans and deposits. Operating expenses rose due to higher personnel costs, but credit quality improved with a decline in nonperforming assets. The company’s capital ratios remained robust, and it repurchased shares during the quarter. CEO Stacy Kymes highlighted the company’s solid loan growth, improved net interest margin, and momentum in fee-based businesses, positioning BOK Financial for continued success.

The most recent analyst rating on (BOKF) stock is a Hold with a $114.00 price target. To see the full list of analyst forecasts on Bok Financial stock, see the BOKF Stock Forecast page.

BOK Financial Releases Investor Presentation Highlighting Strengths

On September 8, 2025, BOK Financial Corporation released an investor presentation on its website, which is intended for use in discussions with investors and analysts. The presentation highlights the company’s strong market position, with $51 billion in assets and $117.9 billion in assets under management as of June 30, 2025. BOK Financial is noted for its diversified revenue streams and strong credit ratings, positioning it as a top 30 national/regional bank. The company emphasizes long-term value creation and has a robust strategy for managing credit and market risks, which includes a focus on energy lending and commercial real estate. The release underscores BOK Financial’s commitment to maintaining a competitive edge through disciplined management and strategic growth initiatives.

The most recent analyst rating on (BOKF) stock is a Hold with a $120.00 price target. To see the full list of analyst forecasts on Bok Financial stock, see the BOKF Stock Forecast page.

BOK Financial’s Earnings Call Highlights Strong Performance

BOK Financial Corporation’s recent earnings call painted a picture of strong financial performance, underscored by significant loan growth, improved fee income, and robust capital levels. Despite facing challenges such as a decrease in the energy portfolio and increased technology costs, the overall sentiment was positive, with strategic initiatives suggesting a favorable outlook for the company.

BOK Financial Reports Strong Q2 2025 Earnings

BOK Financial Corporation is a regional financial services company headquartered in Tulsa, Oklahoma, operating across multiple states and offering a range of services including commercial and consumer banking, brokerage trading, investment and trust services, and mortgage origination and servicing.