Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $7.09B
• Dividend Yield: 2.03%
• Average Volume (3M): 218.21K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 1.06
• Revenue Growth: -0.54%
• EPS Growth: 16.85%
• Country: US
• Employees: 5,030
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 2.19
• Shares Outstanding: 63,611,095
• 10 Day Avg. Volume: 175,510
• 30 Day Avg. Volume: 218,206
• 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: 1.40
• Enterprise Value/Revenue: 2.95
• Enterprise Value/Gross Profit: 5.03
• Enterprise Value/Ebitda: 12.09
• 1Y Price Target: $116.44
• Price Target Upside: 3.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 79 Outperform
• Price Target: $119.00 ▲(6.19% Upside)

Bok Financial's overall stock score reflects its strong financial performance and positive earnings call, which highlight significant loan growth and robust capital levels. The technical analysis supports a positive trend, and the valuation is attractive with a reasonable P/E ratio and solid dividend yield. Recent corporate events further bolster confidence in the company's strategic direction.

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 diversified financial services company headquartered in Tulsa, Oklahoma. It operates primarily in the banking sector and offers a wide array of services including commercial banking, consumer banking, investment banking, asset management, and mortgage services. BOKF serves a diverse client base across several states, focusing on both individual and business customers, and is known for its commitment to community involvement and financial education.

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 exhibits strong financial performance with notable revenue growth and improved profitability margins. The balance sheet reveals a moderate leverage position that is well-managed, although the high liabilities require attention. The cash flow statements indicate solid cash generation, though free cash flow management could be enhanced. Overall, BOK Financial is well-positioned within the regional banking sector.

Income Statement

Bok Financial has demonstrated strong revenue growth with a TTM revenue of $3.36 billion, reflecting a robust growth trajectory. The gross profit margin for TTM is 58.72%, indicating efficient cost management. The net profit margin has increased to 16.57%, showcasing improved profitability. However, there is a slight decrease in EBIT and EBITDA margins at 21.27% and 24.43% respectively, which could indicate increasing operational costs. Overall, the income statement reflects solid financial performance with strong profitability.

Balance Sheet

The company maintains a stable financial position with a debt-to-equity ratio of 0.72, reflecting moderate leverage. The return on equity (ROE) for TTM is 9.65%, indicating effective use of equity to generate profits. The equity ratio stands at 11.44%, suggesting a balanced capital structure but also highlighting the reliance on debt financing. While the balance sheet is stable, the relatively high total liabilities could pose a risk if not managed carefully.

Cash Flow

Bok Financial's TTM operating cash flow has improved significantly to $1.27 billion, reflecting strong cash-generating capabilities. The free cash flow to net income ratio is 2.28, indicating healthy cash flow relative to earnings. However, the free cash flow has decreased compared to the previous periods, which might warrant closer attention to cash management. The operating cash flow to net income ratio of 2.28 further supports solid cash flow health. Overall, the company shows good cash flow stability with potential areas for improvement in free cash flow.

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	559.64M	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: 112.06
• 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 112.06 is above the 20-day moving average (MA) of 106.70, above the 50-day MA of 103.70, and above the 200-day MA of 102.85, indicating a bullish trend. The MACD of 2.71 indicates Negative momentum. The RSI at 69.30 is Neutral, neither overbought nor oversold. The STOCH value of 86.12 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
OZK	80 Outperform	$5.95B	8.49	12.68%	3.23%	7.12%	2.47%
BOKF	79 Outperform	$7.09B	13.32	9.54%	2.03%	-0.54%	16.85%
CADE	77 Outperform	$6.88B	13.30	9.59%	2.81%	17.47%	―
SNV	77 Outperform	$7.16B	9.86	14.71%	2.99%	11.52%	220.78%
PB	75 Outperform	$6.56B	12.59	7.02%	3.33%	3.65%	20.33%
PNFP	74 Outperform	$7.56B	12.92	9.32%	0.96%	10.19%	48.39%
Sector *	68 Neutral	$17.88B	11.66	10.24%	3.76%	9.66%	1.70%

Bok Financial Corporate Events

BOK Financial Reports Strong Q2 2025 Results

BOK Financial Corporation reported strong financial results for the second quarter of 2025, with net income reaching $140 million, or $2.19 per share, marking an increase from the previous quarter. The company experienced growth in net interest income, fees, and commissions revenue, while maintaining exceptional credit quality. Loans grew by over $600 million, and nonperforming assets declined, reflecting the company’s robust financial health and strategic growth initiatives. The tangible common equity ratio improved, and the company repurchased a significant number of shares, indicating confidence in its future performance.

The most recent analyst rating on (BOKF) stock is a Hold with a $100.00 price target. To see the full list of analyst forecasts on Bok Financial stock, see the BOKF Stock Forecast page.