Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $6.08B
• Dividend Yield: 2.38%
• Average Volume (3M): 197.30K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.00
• Revenue Growth: 6.58%
• EPS Growth: 26.56%
• Country: US
• Employees: 5,030
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 1.86
• Shares Outstanding: 64,261,826
• 10 Day Avg. Volume: 235,781
• 30 Day Avg. Volume: 197,297
• PEG Ratio: 1.51
• Price to Book (P/B): 1.02
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.69
• Enterprise Value/Market Cap: 1.43
• Enterprise Value/Revenue: 0.65
• Enterprise Value/Gross Profit: 4.40
• Enterprise Value/Ebitda: 2.89
• 1Y Price Target: $106.13
• Price Target Upside: 11.04% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 8

• Rating: 77 Outperform
• Price Target: $107.00 ▲(11.95%Upside)

BOK Financial's overall stock score reflects a strong financial performance and a positive outlook from the recent earnings call. The valuation is attractive with a solid dividend yield, though technical indicators suggest caution as momentum is mixed. The company's strategic focus on growth despite challenges in fee income is a significant factor in its robust performance.

Positive Factors

Balance Sheet

The balance sheet improved with an enhanced funding mix, despite lower loans.

Credit Conditions

Credit conditions remain positive, with non-performing loans declining to 0.35% of loans, which is better than expected.

Earnings

BOKF reported a solid quarter highlighted by better than expected net interest income paired with better than expected deposit growth.

Negative Factors

Financial Performance

Fees and expenses have shown weaker-than-expected trends, impacting overall financial performance.

Loan Growth

Loan growth is expected to slow down, which may weigh on near-term net interest income.

Operational Leverage

Negative operational leverage is likely in the first half of 2025, impacting short-term performance.

Bok Financial Business Overview & Revenue Model

Company Description

BOK Financial Corporation (BOKF) is a regional financial services company headquartered in Tulsa, Oklahoma. It operates across various sectors of the financial industry, including commercial and consumer banking, investment management, and mortgage banking. BOK Financial provides a wide range of services such as personal and business banking, wealth management, investment advisory, and insurance services through its extensive network of banking centers and offices primarily in the Southern and Midwestern United States.

How the Company Makes Money

BOK Financial makes money primarily through interest and non-interest income. Interest income is generated from loans and leases offered to consumers and businesses, including commercial real estate loans, consumer loans, and mortgages. The company also earns significant revenue from its investment portfolio. Non-interest income is derived from fees and services related to wealth management, investment advisory, brokerage services, and transaction fees. Additionally, BOK Financial generates income from its mortgage banking operations, including loan origination and servicing fees. Strategic partnerships with financial technology firms and collaborative ventures in investment services also contribute to its earnings.

Bok Financial Financial Statement Overview

Summary

BOK Financial shows strong revenue growth and high profitability margins. The balance sheet is robust with minimal debt and high equity ratio, enhancing financial stability. Cash flow has improved significantly, though the lack of capital expenditures may signal potential underinvestment in future growth.

Income Statement

Bok Financial demonstrated strong revenue growth from $1.97 billion in 2023 to $2.64 billion in 2024, marking a significant growth trajectory. Gross profit margin is very high at approximately 99%, indicating efficient operations relative to revenue. The net profit margin is solid, although slightly decreased, due to a dip in net income from 2023 to 2024. EBIT and EBITDA margins are robust, reflecting strong operational performance.

Balance Sheet

The company exhibits a strong equity position with a high equity ratio of 97.56% in 2024, reflecting financial stability and low reliance on debt financing. The debt-to-equity ratio is 0, indicating no debt burden, which greatly reduces financial risk. ROE decreased slightly to 9.44% in 2024, but remains healthy, showing effective utilization of shareholder equity.

Cash Flow

Free cash flow in 2024 saw a significant increase compared to 2023, indicating improved cash management. The operating cash flow to net income ratio is strong at 0.59, reflecting good cash generation relative to net income. However, the free cash flow to net income ratio is unusually high due to no capital expenditures, which could indicate underinvestment in future growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.36B	3.36B	3.05B	2.00B	1.83B	2.05B
Gross Profit	1.97B	1.92B	1.93B	1.79B	1.87B	1.67B
EBITDA	820.72M	771.95M	793.14M	767.72M	898.57M	662.88M
Net Income	556.93M	523.57M	530.75M	520.27M	618.12M	435.03M
Balance Sheet
Total Assets	50.47B	49.69B	49.82B	47.79B	50.25B	46.67B
Cash, Cash Equivalents and Short-Term Investments	3.12B	14.29B	13.63B	12.90B	16.00B	14.23B
Total Debt	4.13B	4.45B	8.96B	7.14B	2.49B	3.82B
Total Liabilities	44.70B	44.13B	44.68B	43.10B	44.88B	41.38B
Stockholders Equity	5.77B	5.55B	5.14B	4.68B	5.36B	5.27B
Cash Flow
Free Cash Flow	1.27B	1.43B	66.18M	5.12B	-3.69B	-416.26M
Operating Cash Flow	1.27B	1.43B	66.18M	5.12B	-3.69B	-416.26M
Investing Cash Flow	554.41M	-477.23M	-1.79B	-4.60B	2.60B	-2.46B
Financing Cash Flow	-1.56B	-866.79M	1.67B	-1.95B	2.75B	2.80B

Bok Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 95.58
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 Positive. The current price of 95.58 is above the 20-day moving average (MA) of 94.41, above the 50-day MA of 93.68, and below the 200-day MA of 103.55, indicating a neutral trend. The MACD of -0.24 indicates Positive momentum. The RSI at 54.16 is Neutral, neither overbought nor oversold. The STOCH value of 52.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BOKF.

Bok Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BPOP	78 Outperform	$7.37B	11.10	12.54%	2.60%	9.33%	43.64%
BOKF	77 Outperform	$6.08B	10.86	10.17%	2.38%	6.58%	26.56%
ONB	75 Outperform	$7.78B	12.24	9.29%	2.66%	13.68%	-6.57%
PB	74 Outperform	$6.58B	13.20	6.83%	3.36%	9.02%	20.88%
SNV	74 Outperform	$6.93B	13.99	10.63%	3.13%	-1.56%	22.50%
ZION	72 Outperform	$7.30B	9.64	13.06%	3.48%	4.84%	28.90%
Sector *	64 Neutral	$6.50B	10.76	6.50%	5.16%	24.88%	-1.54%

Bok Financial Corporate Events

BOK Financial Releases Investor Presentation Highlighting Strategy

On May 5, 2025, BOK Financial Corporation released an investor presentation on its website, which may be used in discussions with investors and analysts. The presentation highlights the company’s strategic focus on long-term value creation and its diversified loan portfolio, emphasizing its strengths in energy and healthcare banking. The release underscores BOK Financial’s robust market positioning and commitment to consistent execution and growth, which is crucial for stakeholders and investors.

BOK Financial Reports Q1 2025 Earnings Growth

BOK Financial Corporation reported its first-quarter earnings for 2025, highlighting a net income of $120 million or $1.86 per share. The company experienced a slight increase in net interest income and margin, while fees and commissions revenue decreased due to market volatility. Operating expenses remained stable, with a notable increase in personnel costs. The company saw a decrease in commercial loans but an increase in commercial real estate loans and loans to individuals. Deposits grew, and the company maintained strong capital ratios. Despite challenges, BOK Financial’s diverse business model and robust risk management practices allowed it to navigate market disruptions effectively.