Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $6.44B
• Dividend Yield: 2.25%
• Average Volume (3M): 257.81K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.07
• Revenue Growth: -0.54%
• EPS Growth: 16.85%
• Country: US
• Employees: 5,030
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 2.19
• Shares Outstanding: 63,611,095
• 10 Day Avg. Volume: 243,863
• 30 Day Avg. Volume: 257,809
• 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: 1.54
• Enterprise Value/Revenue: 2.95
• Enterprise Value/Gross Profit: 5.03
• Enterprise Value/Ebitda: 12.09
• 1Y Price Target: $114.78
• Price Target Upside: 13.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 75 Outperform
• Price Target: $113.00 ▲(11.57% Upside)

Bok Financial's overall stock score is driven by strong financial performance and a positive earnings call, which highlight robust loan growth and strategic initiatives. While technical analysis suggests caution, the valuation metrics indicate the stock is reasonably priced. The company's solid financial health and strategic growth initiatives position it well for future 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 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 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 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: Neutral
• Last Price: 101.28
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 101.28 is below the 20-day moving average (MA) of 103.22, above the 50-day MA of 99.49, and below the 200-day MA of 103.39, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 48.67 is Neutral, neither overbought nor oversold. The STOCH value of 41.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BOKF.

Bok Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BPOP	79 Outperform	$7.83B	11.09	12.73%	2.37%	6.27%	45.08%
ONB	76 Outperform	$8.13B	12.31	8.00%	2.70%	15.94%	-0.47%
BOKF	75 Outperform	$6.44B	12.11	9.54%	2.25%	-0.54%	16.85%
SNV	73 Outperform	$6.63B	9.17	14.71%	3.22%	11.50%	220.78%
ZION	72 Outperform	$7.60B	9.40	13.23%	3.27%	2.64%	32.56%
PB	70 Neutral	$6.29B	12.04	7.02%	3.48%	3.66%	20.33%
Sector *	67 Neutral	$17.04B	11.60	9.79%	3.95%	10.64%	1.80%

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.