Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $7.18B
• Dividend Yield: 2.06%
• Average Volume (3M): 345.24K
• Price to Earnings (P/E): 13.5
• Beta (1Y): 0.87
• Revenue Growth: -2.81%
• EPS Growth: 14.96%
• Country: US
• Employees: 5,030
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.22
• Shares Outstanding: 63,247,677
• 10 Day Avg. Volume: 280,166
• 30 Day Avg. Volume: 345,241
• PEG Ratio: 8.66
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 5.39
• Enterprise Value/Market Cap: 1.44
• Enterprise Value/Revenue: 3.96
• Enterprise Value/Gross Profit: 6.21
• Enterprise Value/Ebitda: 14.47
• 1Y Price Target: $120.33
• Price Target Upside: 5.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): 8.46
• Revenue Forecast (FY): $2.13B

• Rating: 71 Outperform
• Price Target: $117.00 ▲(3.05% Upside)

Bok Financial's overall stock score of 71 reflects its solid financial performance and positive earnings call sentiment. The company's strong profitability, cash flow generation, and attractive valuation metrics are significant strengths. However, technical indicators suggest caution, and recent revenue challenges need to be addressed for sustained growth.

Positive Factors

Loan Growth Momentum

Consistent loan growth, especially in commercial real estate and core commercial portfolios, indicates strong demand and effective lending strategies, which are crucial for sustained revenue generation.

Fee Income Increase

The rise in fee income across various business lines suggests diversified revenue streams and resilience against interest rate fluctuations, supporting long-term financial stability.

Excellent Credit Quality

Maintaining high credit quality with minimal charge-offs ensures lower risk of loan defaults, preserving capital and supporting sustainable growth.

Negative Factors

Declining Revenue Growth

A significant decline in revenue growth can hinder future profitability and market competitiveness, necessitating strategic adjustments to regain momentum.

Cash Flow Concerns

Decreasing free cash flow growth indicates potential liquidity issues, impacting the company's ability to invest in growth opportunities and manage debt.

Increased Expenses

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

Bok Financial Business Overview & Revenue Model

Company Description

BOK Financial Corporation (BOKF) is a diversified financial services company headquartered in Tulsa, Oklahoma. It operates primarily in the southwestern United States, providing a wide range of financial products and services through its various segments, including commercial banking, consumer banking, wealth management, and investment services. BOKF serves a broad spectrum of clients, from individual consumers to large corporations, and offers services such as loans, treasury management, mortgage banking, and asset management.

How the Company Makes Money

BOK Financial generates revenue through multiple key streams. The primary source of income comes from net interest income, which is earned from the difference between the interest charged on loans and the interest paid on deposits. Additionally, the company earns non-interest income through fees for services such as wealth management, investment advisory, and mortgage origination. BOKF also benefits from its strong commercial banking segment, which provides business loans and treasury management services to businesses. Strategic partnerships with technology providers enhance its digital banking services, contributing to customer retention and acquisition. Overall, the company's diversified portfolio allows it to adapt to market changes and maintain a steady revenue flow.

Bok Financial Financial Statement Overview

Summary

Bok Financial demonstrates solid financial performance with strong profitability and cash flow generation. Despite recent revenue challenges, the company maintains healthy margins and a stable balance sheet with improved leverage. The significant growth in free cash flow is a positive indicator of financial health. However, the recent revenue decline warrants attention to ensure sustainable growth.

Income Statement

Bok Financial's income statement shows a mixed performance. The TTM data reveals a significant revenue decline of 20.4%, indicating potential challenges in maintaining growth. However, the company maintains a healthy net profit margin of 16.5% and an EBIT margin of 21.2%, reflecting operational efficiency. The historical data shows fluctuating revenue growth rates, with a notable increase in 2023. Overall, while profitability remains strong, the recent revenue decline is a concern.

Balance Sheet

The balance sheet of Bok Financial indicates a stable financial position with a debt-to-equity ratio of 0.70 in the TTM, showing a decrease from previous years, which suggests improved leverage management. The return on equity (ROE) is consistent at around 9.2%, indicating efficient use of equity to generate profits. The equity ratio is not explicitly calculated, but the company's equity position appears solid relative to its assets. Overall, the balance sheet reflects a stable financial structure with manageable debt levels.

Cash Flow

Bok Financial's cash flow statement shows a strong free cash flow growth of 74.8% in the TTM, highlighting improved cash generation capabilities. The free cash flow to net income ratio is high at 0.97, indicating effective conversion of income into cash. Historical data shows fluctuations in operating cash flow, but the recent improvement is a positive sign. Overall, the cash flow position is robust, with significant growth in free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.61B	3.36B	3.05B	2.00B	1.83B	2.05B
Gross Profit	1.66B	1.92B	1.93B	1.79B	1.87B	1.67B
EBITDA	714.44M	771.95M	793.14M	767.72M	898.57M	662.88M
Net Income	536.84M	523.57M	530.75M	520.27M	618.12M	435.03M
Balance Sheet
Total Assets	50.19B	49.69B	49.82B	47.79B	50.25B	46.67B
Cash, Cash Equivalents and Short-Term Investments	4.61B	14.29B	13.63B	12.90B	16.00B	14.23B
Total Debt	4.21B	4.45B	8.96B	7.14B	2.49B	3.82B
Total Liabilities	44.17B	44.13B	44.68B	43.10B	44.88B	41.38B
Stockholders Equity	6.02B	5.55B	5.14B	4.68B	5.36B	5.27B
Cash Flow
Free Cash Flow	1.49B	1.26B	66.18M	5.12B	-3.69B	-416.26M
Operating Cash Flow	1.52B	1.43B	66.18M	5.12B	-3.69B	-416.26M
Investing Cash Flow	-921.23M	-477.23M	-1.79B	-4.60B	2.60B	-2.46B
Financing Cash Flow	-647.28M	-866.79M	1.67B	-1.95B	2.75B	2.80B

Bok Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 113.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 113.54 is above the 20-day moving average (MA) of 107.17, above the 50-day MA of 108.72, and above the 200-day MA of 101.92, indicating a bullish trend. The MACD of 0.88 indicates Negative momentum. The RSI at 63.64 is Neutral, neither overbought nor oversold. The STOCH value of 88.96 is Negative, 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
PB	74 Outperform	$6.54B	12.30	7.09%	3.67%	0.55%	19.13%
CADE	72 Outperform	$7.27B	14.36	9.10%	3.04%	14.58%	-19.97%
BOKF	71 Outperform	$7.18B	13.52	9.13%	2.06%	-2.81%	14.96%
OZK	70 Outperform	$5.22B	7.42	12.35%	3.78%	2.79%	2.11%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SNV	65 Neutral	$6.71B	9.02	14.32%	3.21%	8.90%	142.83%
PNFP	61 Neutral	$7.13B	11.67	9.44%	1.04%	7.76%	49.85%

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.