(BOKF) BOK Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 7.766m USD | Total Return: 42.9% in 12m
Avg Turnover: 35.2M
EPS Trend: 0.5%
Qual. Beats: 2
Rev. Trend: 74.2%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
BOK Financial Corporation (BOKF) is a regional financial holding company headquartered in Tulsa, Oklahoma, operating across eight states in the Midwest and Southwest. The company manages its operations through three primary divisions: Commercial Banking, Consumer Banking, and Wealth Management. Its service suite includes traditional retail deposits, mortgage servicing, and specialized commercial lending for the energy, healthcare, and industrial sectors.
The company maintains a diversified revenue stream by operating the TransFund electronic funds transfer network and providing commodity risk management services to commercial clients. Regional banks like BOKF often rely on a high concentration of commercial real estate and middle-market business loans, making their performance sensitive to regional economic shifts and interest rate volatility. Additionally, BOKF acts as a liquidity provider in the mortgage markets through its trading of U.S. government agency mortgage-backed securities.
For a more detailed look at the companys valuation metrics, consider reviewing the data on ValueRay.
- Energy sector loan demand and credit quality impact regional commercial portfolio performance
- Federal Reserve interest rate shifts drive net interest margin and deposit costs
- Mortgage banking revenue fluctuates with refinancing volume and secondary market secondary liquidity
- Wealth management fees scale with assets under management and municipal bond underwriting
- Commercial real estate exposure in Sun Belt markets influences long-term provision for losses
| Net Income: 614.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.16 > 1.0 |
| NWC/Revenue: -1.32k% < 20% (prev -1.07k%; Δ -243.2% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.94b > Net Income 614.0m |
| Net Debt (5.96b) to EBITDA (866.2m): 6.88 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.0m) vs 12m ago -5.53% < -2% |
| Gross Margin: 64.92% > 18% (prev 0.59%; Δ 6.43k% > 0.5%) |
| Asset Turnover: 6.44% > 50% (prev 6.65%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBITDA TTM 866.2m / Interest Expense TTM 1.17b) |
| A: -0.82 (Total Current Assets 905.6m - Total Current Liabilities 45.0b) / Total Assets 53.8b |
| B: 0.11 (Retained Earnings 6.14b / Total Assets 53.8b) |
| C: 0.01 (EBIT TTM 756.1m / Avg Total Assets 52.1b) |
| D: 0.12 (Book Value of Equity 5.92b / Total Liabilities 47.8b) |
| Altman-Z'' = -4.79 = D |
| DSRI: 0.86 (Receivables 272.5m/316.4m, Revenue 3.36b/3.36b) |
| GMI: 0.90 (GM 64.92% / 58.72%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.92) |
| SGI: 1.00 (Revenue 3.36b / 3.36b) |
| TATA: -0.02 (NI 614.0m - CFO 1.94b) / TA 53.8b) |
| Beneish M = -3.22 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 129.72 with a total of 273,584 shares traded.
Over the past week, the price has changed by +3.47%,
over one month by -2.71%,
over three months by +1.54% and
over the past year by +42.90%.
BOK Financial has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold BOKF.
- StrongBuy: 2
- Buy: 1
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 144 | 11% |
P/E Forward = 13.0039
P/S = 3.489
P/B = 1.2857
P/EG = 1.4593
Revenue TTM = 3.36b USD
EBIT TTM = 756.1m USD
EBITDA TTM = 866.2m USD
Long Term Debt = 6.12b USD (from longTermDebt, last quarter)
Short Term Debt = 715.5m USD (from shortTermDebt, last quarter)
Debt = 6.87b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.96b USD (calculated: Debt 6.87b - CCE 905.6m)
Enterprise Value = 13.7b USD (7.77b + Debt 6.87b - CCE 905.6m)
Interest Coverage Ratio = 0.64 (Ebit TTM 756.1m / Interest Expense TTM 1.17b)
EV/FCF = 7.67x (Enterprise Value 13.7b / FCF TTM 1.79b)
FCF Yield = 13.03% (FCF TTM 1.79b / Enterprise Value 13.7b)
FCF Margin = 53.31% (FCF TTM 1.79b / Revenue TTM 3.36b)
Net Margin = 18.30% (Net Income TTM 614.0m / Revenue TTM 3.36b)
Gross Margin = 64.92% ((Revenue TTM 3.36b - Cost of Revenue TTM 1.18b) / Revenue TTM)
Gross Margin QoQ = 66.95% (prev 66.63%)
Tobins Q-Ratio = 0.26 (Enterprise Value 13.7b / Total Assets 53.8b)
Interest Expense / Debt = 17.11% (Interest Expense 1.17b / Debt 6.87b)
Taxrate = 22.01% (43.9m / 199.7m)
NOPAT = 589.7m (EBIT 756.1m * (1 - 22.01%))
Current Ratio = 0.02 (Total Current Assets 905.6m / Total Current Liabilities 45.0b)
Debt / Equity = 1.15 (Debt 6.87b / totalStockholderEquity, last quarter 5.97b)
Debt / EBITDA = 6.88 (Net Debt 5.96b / EBITDA 866.2m)
Debt / FCF = 3.33 (Net Debt 5.96b / FCF TTM 1.79b)
Total Stockholder Equity = 5.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 614.0m / Total Assets 53.8b)
RoE = 10.32% (Net Income TTM 614.0m / Total Stockholder Equity 5.95b)
RoCE = 6.27% (EBIT 756.1m / Capital Employed (Equity 5.95b + L.T.Debt 6.12b))
RoIC = 1.10% (NOPAT 589.7m / Invested Capital 53.7b)
WACC = 11.15% (E(7.77b)/V(14.6b) * Re(9.20%) + D(6.87b)/V(14.6b) * Rd(17.11%) * (1-Tc(0.22)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -86.67 | Cagr: -3.31%
[DCF] Terminal Value 69.48% ; FCFF base≈1.51b ; Y1≈1.73b ; Y5≈2.55b
[DCF] Fair Price = 323.7 (EV 25.6b - Net Debt 5.96b = Equity 19.7b / Shares 60.8m; r=11.15% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 0.49 | EPS CAGR: 0.04% | SUE: 1.09 | # QB: 2
Revenue Correlation: 74.17 | Revenue CAGR: 6.48% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.46 | Chg30d=+2.16% | Revisions=+45% | Analysts=8
EPS next Quarter (2026-09-30): EPS=2.52 | Chg30d=+2.41% | Revisions=+33% | Analysts=8
EPS current Year (2026-12-31): EPS=10.13 | Chg30d=+4.63% | Revisions=+67% | GrowthEPS=+15.0% | GrowthRev=+4.2%
EPS next Year (2027-12-31): EPS=10.58 | Chg30d=+3.04% | Revisions=+67% | GrowthEPS=+4.4% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +67%