BOKF Stock Analysis: BOK Financial | NASDAQ

Commercial Banking, Consumer Banking, Wealth Management, Mortgage Lending

Total Rating 41

Safety 65

Buy Signal -0.36

Banks - Regional
Industry Rotation: +6.1

Market Cap: 8.09B
Avg Turnover: 34.4M

Risk 3d forecast

Volatility20.3%

VaR 5^th Pctl3.38%

VaR vs Median1.34%

Reward TTM

Sharpe Ratio0.72

Rel. Str. IBD47.9

Rel. Str. Peer Group28.7

Character TTM

Beta0.872

Beta Downside0.794

Hurst Exponent0.435

Drawdowns 3y

Max DD26.21%

CAGR/Max DD0.80

CAGR/Mean DD3.20

EPS (Earnings per Share)

EPS CAGR: 8.51%
EPS Trend: 55.2%

Last SUE: 0.21
Qual. Beats: 0

Revenue

Rev. CAGR: 3.77%
Rev. Trend: 69.5%

Last SUE: 0.71
Qual. Beats: 0

Warnings

Choppy

Below Avwap Earnings

Tailwinds

No distinct edge detected

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 is a Tulsa, Oklahoma-based regional bank holding company founded in 1910, operating through subsidiary BOKF, NA across seven south-central U.S. states: Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It is classified within the GICS Regional Banks sub-industry and serves commercial, consumer, and wealth management clients through a three-segment structure.

The Commercial Banking segment provides lending, treasury and cash management, and commodity risk management products to small businesses, middle-market, and larger commercial clients, and also operates the TransFund electronic funds transfer network. The Consumer Banking segment delivers retail lending, deposit services, and mortgage loan origination and servicing through the companys branch network. The Wealth Management segment offers fiduciary, private banking, insurance, and investment advisory services, plus brokerage and trading activity that includes providing liquidity in U.S. agency mortgage-backed securities and underwriting state and municipal securities.

In addition, BOK Financial originates commercial loans for working capital and equipment financing, commercial real estate loans, residential mortgages, and personal loans, and offers digital and call-center banking services. Energy lending is a notable specialty among its commercial loan portfolio, reflecting the banks exposure to the oil and gas economy of its core Mid-Continent footprint.

Headlines to Watch Out For

Net interest margin compresses as Fed cuts rates
Energy sector loan losses rise amid oil price volatility
Commercial real estate concentration draws regulatory scrutiny

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 September 27, 2026, the stock is trading at USD 131.77 with a total of 188,298 shares traded. Over the past week, the price has changed by -0.74%, over one month by -4.94%, over three months by -4.42% and over the past year by +19.28%.

Current recommended Stop Loss: 127.80 (which is 3% or 1.7 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	151	14.6%

BOK Financial (BOKF) - Fundamental Data Overview as of 23 September 2026

Market Cap USD = 8.09b (8.09b USD * 1.0 USD.USD)
P/E Trailing = 12.5599
P/E Forward = 12.2249
P/S = 3.5478
P/B = 1.3257
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 = 4.71b USD (8.09b + Debt 4.97b - CCE 8.36b)
Interest Coverage Ratio = 0.69 (Ebit TTM 793.5m / Interest Expense TTM 1.15b)
EV/FCF = 1.88x (Enterprise Value 4.71b / FCF TTM 2.50b)
FCF Yield = 53.19% (FCF TTM 2.50b / Enterprise Value 4.71b)
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 4.71b / 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 = 12.72% (E(8.09b)/V(13.1b) * Re(9.05%) + D(4.97b)/V(13.1b) * 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 65.17% ; FCFF base≈1.80b ; Y1≈2.06b ; Y5≈3.03b
[DCF] Fair Price = 477.5 (EV 25.6b - Net Debt -3.38b = Equity 29.0b / Shares 60.8m; r=12.72% [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=10.32 | Chg30d=+0.04% | Revisions=+22% | GrowthEPS=+17.2% | GrowthRev=+4.4%
EPS next Year (2027-12-31): EPS=10.79 | Chg30d=+0.22% | Revisions=+18% | GrowthEPS=+4.6% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +26% (up=13, down=7)