BOKF Stock Analysis: BOK Financial | NASDAQ

Banks - Regional | NASDAQ, USA | Market Cap: 7.936m USD | 12M Return: 14.4% | US05561Q2012 | Charts, Fundamentals & Technical Analysis

Commercial Loans, Mortgage Lending, Wealth Management, Treasury Services
Total Rating 40
Safety 64
Buy Signal -0.23
Banks - Regional
Industry Rotation: +4.0
Market Cap: 7.94B
Avg Turnover: 35.9M
Risk 3d forecast
Volatility23.5%
VaR 5th Pctl3.97%
VaR vs Median2.51%
Reward TTM
Sharpe Ratio0.57
Rel. Str. IBD42.7
Rel. Str. Peer Group23.8
Character TTM
Beta0.873
Beta Downside0.807
Hurst Exponent0.449
Drawdowns 3y
Max DD26.21%
CAGR/Max DD0.79
CAGR/Mean DD3.16
EPS (Earnings per Share) EPS (Earnings per Share) of BOKF over the last years for every Quarter: "2021-09": 2.74, "2021-12": 1.71, "2022-03": 0.91, "2022-06": 1.96, "2022-09": 2.32, "2022-12": 2.51, "2023-03": 2.43, "2023-06": 2.27, "2023-09": 2.04, "2023-12": 1.26, "2024-03": 1.29, "2024-06": 2.02, "2024-09": 2.18, "2024-12": 2.12, "2025-03": 1.86, "2025-06": 2.19, "2025-09": 2.22, "2025-12": 2.48, "2026-03": 2.58, "2026-06": 2.59,
EPS CAGR: 8.51%
EPS Trend: 55.2%
Last SUE: 0.21
Qual. Beats: 0
Revenue Revenue of BOKF over the last years for every Quarter: 2021-09: 514.333, 2021-12: 435.029, 2022-03: 363.078, 2022-06: 453.427, 2022-09: 542.365, 2022-12: 631.249, 2023-03: 688.812, 2023-06: 771.116, 2023-09: 806.839, 2023-12: 794.67, 2024-03: 800.558, 2024-06: 922.989, 2024-09: 879.443, 2024-12: 758.751, 2025-03: 797.647, 2025-06: 842.814, 2025-09: 844.494, 2025-12: 840.682, 2026-03: 827.193, 2026-06: 876.706,
Rev. CAGR: 3.77%
Rev. Trend: 69.5%
Last SUE: 0.71
Qual. Beats: 0

Warnings

Below Avwap Earnings
Below Sma 200d

Tailwinds

Shakeout

Seasonality 11.7 years of data

Jan -0.7% 8
Feb -2.4% 20
Mar -5.7% 35
Apr -0.3% 10
May -0.7% 5
Jun -0.0% 7
Jul +1.3% 21
Aug +0.3% 5
Sep -2.2% 48
Oct -1.6% 23
Nov +6.7% 30
Dec +0.1% 0

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: BOKF BOK Financial

BOK Financial Corporation (NASDAQ: BOKF) is a Tulsa, Oklahoma-based financial holding company founded in 1910 that operates through its subsidiary BOKF, NA to deliver banking and financial services across a seven-state footprint spanning the Southwest and Midwest, including Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri.

The company operates through three business segments: Commercial Banking (lending, treasury, cash management, commodity hedging, and the TransFund electronic funds transfer network), Consumer Banking (retail lending, deposits, and mortgage origination and servicing through its branch network), and Wealth Management (fiduciary services, private banking, insurance, investment advisory, brokerage, trading of U.S. government agency mortgage-backed securities, and municipal securities underwriting).

As a GICS-classified Regional Bank, BOKF concentrates on relationship-based commercial and consumer banking within a defined geographic footprint rather than pursuing nationwide retail scale, while also extending specialized lending to sectors such as energy, healthcare, and commercial real estate alongside its core commercial and consumer loan products.

Headlines to Watch Out For
  • Net interest margin compresses as Fed cuts rates pressure loan yields
  • Energy sector loan losses rise with oil price volatility
  • Mortgage trading revenue fluctuates with interest rate volatility
Piotroski VR-10 (Strict) 6.0
Net Income: 650.5m TTM > 0 and > 6% of Revenue
FCF/TA: 0.05 > 0.02 and ΔFCF/TA 3.26 > 1.0
NWC/Revenue: -15.58% < 20% (prev -1.11k%; Δ 1.10k% < -1%)
CFO/TA 0.05 > 3% & CFO 2.64b > Net Income 650.5m
Net Debt (-3.38b) to EBITDA (904.8m): -3.74 < 3
Current Ratio: 0.65 > 1.5 & < 3
Outstanding Shares: last quarter (60.0m) vs 12m ago -5.28% < -2%
Gross Margin: 66.07% > 18% (prev 59.84%; Δ 6.23% > 0.5%)
Asset Turnover: 6.51% > 50% (prev 6.43%; Δ 0.08% > 0%)
Interest Coverage Ratio: 0.69 > 6 (EBIT TTM 793.5m / Interest Expense TTM 1.15b)
Altman Z'' 0.56
A: -0.01 (Total Current Assets 975.8m - Total Current Liabilities 1.50b) / Total Assets 53.2b
B: 0.12 (Retained Earnings 6.28b / Total Assets 53.2b)
C: 0.02 (EBIT TTM 793.5m / Avg Total Assets 52.1b)
D: 0.13 (Book Value of Equity 6.08b / Total Liabilities 47.1b)
Altman-Z'' = 0.56 = B
Beneish M -3.27
DSRI: 0.75 (Receivables 292.4m/376.3m, Revenue 3.39b/3.28b)
GMI: 0.91 (GM 59.84% / 66.07%)
AQI: 1.04 (AQ_t 0.97 / AQ_t-1 0.93)
SGI: 1.03 (Revenue 3.39b / 3.28b)
TATA: -0.04 (NI 650.5m - CFO 2.64b) / TA 53.2b)
Beneish M = -3.27 (Cap -4..+1) = AA
What is the price of BOKF shares?

As of October 06, 2026, the stock is trading at USD 128.23 with a total of 258,258 shares traded. Over the past week, the price has changed by -1.81%, over one month by -5.52%, over three months by -8.09% and over the past year by +14.36%.

Current recommended Stop Loss: 122.30 (which is 4.6% or 2.5 ATR below the current price).

Is BOKF a buy, sell or hold?

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

What are the forecasts/targets for the BOKF price?
Analysts Target Price 149.4 16.5%
BOK Financial (BOKF) - Fundamental Data Overview as of 30 September 2026
Market Cap USD = 7.94b (7.94b USD * 1.0 USD.USD)
P/E Trailing = 12.3082
P/E Forward = 12.0773
P/S = 3.48
P/B = 1.3083
P/EG = 1.4593
Revenue TTM = 3.39b USD
EBIT TTM = 793.5m USD
EBITDA TTM = 904.8m USD
Long Term Debt = 3.44b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 4.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.38b USD (calculated: Debt 4.97b - CCE 8.36b)
Enterprise Value = 4.55b USD (7.94b + Debt 4.97b - CCE 8.36b)
Interest Coverage Ratio = 0.69 (Ebit TTM 793.5m / Interest Expense TTM 1.15b)
EV/FCF = 1.82x (Enterprise Value 4.55b / FCF TTM 2.50b)
FCF Yield = 54.99% (FCF TTM 2.50b / Enterprise Value 4.55b)
FCF Margin = 73.87% (FCF TTM 2.50b / Revenue TTM 3.39b)
Net Margin = 19.19% (Net Income TTM 650.5m / Revenue TTM 3.39b)
Gross Margin = 66.07% ((Revenue TTM 3.39b - Cost of Revenue TTM 1.15b) / Revenue TTM)
Gross Margin QoQ = 67.23% (prev 66.95%)
Tobins Q-Ratio = 0.09 (Enterprise Value 4.55b / Total Assets 53.2b)
Interest Expense / Debt = 23.08% (Interest Expense 1.15b / Debt 4.97b)
Taxrate = 19.00% (152.6m / 803.1m)
NOPAT = 642.7m (EBIT 793.5m * (1 - 19.00%))
Current Ratio = 0.65 (Total Current Assets 975.8m / Total Current Liabilities 1.50b)
Debt / Equity = 0.82 (Debt 4.97b / totalStockholderEquity, last quarter 6.08b)
Debt / EBITDA = -3.74 (Net Debt -3.38b / EBITDA 904.8m)
Debt / FCF = -1.35 (Net Debt -3.38b / FCF TTM 2.50b)
Total Stockholder Equity = 6.00b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 650.5m / Total Assets 53.2b)
RoE = 10.84% (Net Income TTM 650.5m / Total Stockholder Equity 6.00b)
RoCE = 8.41% (EBIT 793.5m / Capital Employed (Equity 6.00b + L.T.Debt 3.44b))
RoIC = 1.21% (NOPAT 642.7m / Invested Capital 53.0b)
WACC = 12.77% (E(7.94b)/V(12.9b) * Re(9.05%) + D(4.97b)/V(12.9b) * Rd(23.08%) * (1-Tc(0.19)))
Discount Rate = 9.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.48 | Cagr: -3.00%
[DCF] Terminal Value 65.06% ; FCFF base≈1.80b ; Y1≈2.06b ; Y5≈3.03b
[DCF] Fair Price = 475.5 (EV 25.5b - Net Debt -3.38b = Equity 28.9b / Shares 60.8m; r=12.77% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 55.20 | EPS CAGR: 8.51% | SUE: 0.21 | # QB: 0
Revenue Correlation: 69.54 | Revenue CAGR: 3.77% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.54 | Chg30d=+0.06% | Revisions=+22% | Analysts=10
EPS current Year (2026-12-31): EPS=10.31 | Chg30d=+0.02% | Revisions=+22% | GrowthEPS=+17.1% | GrowthRev=+4.4%
EPS next Year (2027-12-31): EPS=10.79 | Chg30d=+0.22% | Revisions=+18% | GrowthEPS=+4.6% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +26% (up=13, down=7)