(BOKF) BOK Financial - Overview
Stock: Commercial Loans, Consumer Deposits, Wealth Services, Mortgages, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.23% |
| Yield on Cost 5y | 3.21% |
| Yield CAGR 5y | 2.86% |
| Payout Consistency | 98.1% |
| Payout Ratio | 26.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.9% |
| Relative Tail Risk | -6.21% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.83 |
| Alpha | 13.37 |
| Character TTM | |
|---|---|
| Beta | 0.825 |
| Beta Downside | 1.094 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.35% |
| CAGR/Max DD | 0.31 |
Description: BOKF BOK Financial January 09, 2026
BOK Financial Corporation (NASDAQ:BOKF) is a regional-bank holding company headquartered in Tulsa, Oklahoma. It serves customers across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri through three operating segments: Commercial Banking, Consumer Banking, and Wealth Management.
The Commercial Banking unit provides loan, treasury, cash-management, and commodity-risk solutions to small-business, middle-market, and large corporate clients, and runs the TransFund electronic funds-transfer network. The Consumer Banking segment focuses on retail deposits, small-business lending, and mortgage origination/servicing, while Wealth Management delivers fiduciary, private-bank, insurance, and investment-advisory services, plus brokerage activities that include trading agency mortgage-backed securities and underwriting municipal debt.
Recent performance metrics (Q4 2023) show a net interest margin of roughly 3.5%, a loan-to-deposit ratio near 68%, and a return on equity around 12%, reflecting a stable balance sheet of approximately $30 billion in assets. The bank’s earnings are sensitive to regional energy activity-particularly oil and gas production in Oklahoma and Texas-and to the broader interest-rate cycle, which drives both loan demand and mortgage-backed-security trading volumes.
For a deeper, data-driven view of BOKF’s valuation dynamics, you might explore the analytics platform ValueRay for additional quantitative insights.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 578.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.05 > 1.0 |
| NWC/Revenue: -1129 % < 20% (prev -752.0%; Δ -376.9% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.52b > Net Income 578.0m |
| Net Debt (2.98b) to EBITDA (793.9m): 3.75 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.9m) vs 12m ago -4.05% < -2% |
| Gross Margin: 63.74% > 18% (prev 0.57%; Δ 6317 % > 0.5%) |
| Asset Turnover: 6.53% > 50% (prev 6.77%; Δ -0.24% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 793.9m / Interest Expense TTM 1.20b) |
Altman Z'' -4.13
| A: -0.72 (Total Current Assets 7.50b - Total Current Liabilities 45.05b) / Total Assets 52.24b |
| B: 0.12 (Retained Earnings 6.08b / Total Assets 52.24b) |
| C: 0.01 (EBIT TTM 512.1m / Avg Total Assets 50.96b) |
| D: 0.13 (Book Value of Equity 5.92b / Total Liabilities 46.32b) |
| Altman-Z'' Score: -4.13 = D |
Beneish M -2.81
| DSRI: 1.26 (Receivables 355.0m/285.9m, Revenue 3.33b/3.36b) |
| GMI: 0.90 (GM 63.74% / 57.05%) |
| AQI: 1.22 (AQ_t 0.84 / AQ_t-1 0.69) |
| SGI: 0.99 (Revenue 3.33b / 3.36b) |
| TATA: -0.02 (NI 578.0m - CFO 1.52b) / TA 52.24b) |
| Beneish M-Score: -2.81 (Cap -4..+1) = A |
What is the price of BOKF shares?
Over the past week, the price has changed by +4.54%, over one month by +11.27%, over three months by +29.80% and over the past year by +25.77%.
Is BOKF a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BOKF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 135.3 | 0.5% |
| Analysts Target Price | 135.3 | 0.5% |
| ValueRay Target Price | 149.8 | 11.3% |
BOKF Fundamental Data Overview February 01, 2026
P/E Forward = 13.4048
P/S = 3.7812
P/B = 1.3309
P/EG = 2.09
Revenue TTM = 3.33b USD
EBIT TTM = 512.1m USD
EBITDA TTM = 793.9m USD
Long Term Debt = 3.21b USD (from longTermDebt, two quarters ago)
Short Term Debt = 4.24b USD (from shortTermDebt, last quarter)
Debt = 4.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.98b USD (from netDebt column, last quarter)
Enterprise Value = 5.80b USD (8.22b + Debt 4.63b - CCE 7.05b)
Interest Coverage Ratio = 0.43 (Ebit TTM 512.1m / Interest Expense TTM 1.20b)
EV/FCF = 3.82x (Enterprise Value 5.80b / FCF TTM 1.52b)
FCF Yield = 26.17% (FCF TTM 1.52b / Enterprise Value 5.80b)
FCF Margin = 45.66% (FCF TTM 1.52b / Revenue TTM 3.33b)
Net Margin = 17.38% (Net Income TTM 578.0m / Revenue TTM 3.33b)
Gross Margin = 63.74% ((Revenue TTM 3.33b - Cost of Revenue TTM 1.21b) / Revenue TTM)
Gross Margin QoQ = 66.63% (prev 63.43%)
Tobins Q-Ratio = 0.11 (Enterprise Value 5.80b / Total Assets 52.24b)
Interest Expense / Debt = 6.05% (Interest Expense 280.5m / Debt 4.63b)
Taxrate = 10.96% (21.8m / 199.1m)
NOPAT = 456.0m (EBIT 512.1m * (1 - 10.96%))
Current Ratio = 0.17 (Total Current Assets 7.50b / Total Current Liabilities 45.05b)
Debt / Equity = 0.78 (Debt 4.63b / totalStockholderEquity, last quarter 5.92b)
Debt / EBITDA = 3.75 (Net Debt 2.98b / EBITDA 793.9m)
Debt / FCF = 1.96 (Net Debt 2.98b / FCF TTM 1.52b)
Total Stockholder Equity = 5.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 578.0m / Total Assets 52.24b)
RoE = 9.79% (Net Income TTM 578.0m / Total Stockholder Equity 5.90b)
RoCE = 5.62% (EBIT 512.1m / Capital Employed (Equity 5.90b + L.T.Debt 3.21b))
RoIC = 4.84% (NOPAT 456.0m / Invested Capital 9.42b)
WACC = 7.67% (E(8.22b)/V(12.85b) * Re(8.95%) + D(4.63b)/V(12.85b) * Rd(6.05%) * (1-Tc(0.11)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.01%
[DCF Debug] Terminal Value 71.78% ; FCFF base≈1.08b ; Y1≈710.4m ; Y5≈324.1m
Fair Price DCF = 62.06 (EV 6.74b - Net Debt 2.98b = Equity 3.76b / Shares 60.6m; r=7.67% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 32.41 | EPS CAGR: 30.65% | SUE: 1.40 | # QB: 1
Revenue Correlation: 78.87 | Revenue CAGR: 25.09% | SUE: 3.01 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.28 | Chg30d=+0.214 | Revisions Net=+7 | Analysts=8
EPS current Year (2026-12-31): EPS=9.69 | Chg30d=+0.803 | Revisions Net=+7 | Growth EPS=+10.0% | Growth Revenue=+4.0%
EPS next Year (2027-12-31): EPS=10.10 | Chg30d=+0.680 | Revisions Net=+5 | Growth EPS=+4.3% | Growth Revenue=+5.4%