BOKF Stock Analysis: BOK Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 8.505m USD | 12M Return: 37.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 36.9M
EPS Trend: 55.2%
Qual. Beats: 0
Rev. Trend: 69.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
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.
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.
- Net interest margin compresses as Fed cuts rates
- Energy sector loan losses rise amid oil price volatility
- Commercial real estate concentration draws regulatory scrutiny
| Net Income: 650.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.22 > 1.0 |
| NWC/Revenue: -655.5% < 20% (prev -1.11k%; Δ 457.0% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.94b > Net Income 650.5m |
| Net Debt (-17.4b) to EBITDA (876.2m): -19.89 < 3 |
| Current Ratio: 0.51 > 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) |
| A: -0.42 (Total Current Assets 22.8b - Total Current Liabilities 45.1b) / Total Assets 53.2b |
| B: 0.12 (Retained Earnings 6.33b / 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'' = -2.11 = D |
| DSRI: 0.85 (Receivables 332.1m/376.3m, Revenue 3.39b/3.28b) |
| GMI: 0.91 (GM 59.84% / 66.07%) |
| AQI: 0.60 (AQ_t 0.56 / AQ_t-1 0.93) |
| SGI: 1.03 (Revenue 3.39b / 3.28b) |
| TATA: -0.02 (NI 650.5m - CFO 1.94b) / TA 53.2b) |
| Beneish M = -3.45 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 141.13 with a total of 249,184 shares traded. Over the past week, the price has changed by +0.47%, over one month by +1.88%, over three months by +6.59% and over the past year by +37.53%.
Current recommended Stop Loss: 135.50 (which is 4% or 2 ATR below the current price).
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 | 146.3 | 3.6% |
P/E Trailing = 14.1537
P/E Forward = 14.2248
P/S = 3.7302
P/B = 1.4289
P/EG = 1.4593
Revenue TTM = 3.39b USD
EBIT TTM = 793.5m USD
EBITDA TTM = 876.2m USD
Long Term Debt = 3.11b USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.58b USD (from shortTermDebt, last quarter)
Debt = 4.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -17.4b USD (calculated: Debt 4.97b - CCE 22.4b)
Enterprise Value = 8.51b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.69 (Ebit TTM 793.5m / Interest Expense TTM 1.15b)
EV/FCF = 4.76x (Enterprise Value 8.51b / FCF TTM 1.79b)
FCF Yield = 21.03% (FCF TTM 1.79b / Enterprise Value 8.51b)
FCF Margin = 52.78% (FCF TTM 1.79b / 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 = 0.16 (Enterprise Value 8.51b / 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 = 0.51 (Total Current Assets 22.8b / Total Current Liabilities 45.1b)
Debt / Equity = 0.82 (Debt 4.97b / totalStockholderEquity, last quarter 6.08b)
Debt / EBITDA = -19.89 (Net Debt -17.4b / EBITDA 876.2m)
Debt / FCF = -9.74 (Net Debt -17.4b / FCF TTM 1.79b)
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 = 8.71% (EBIT 793.5m / Capital Employed (Equity 6.00b + L.T.Debt 3.11b))
RoIC = 5.13% (NOPAT 642.7m / Invested Capital 12.5b)
WACC = 12.67% (E(8.51b)/V(13.5b) * Re(9.14%) + D(4.97b)/V(13.5b) * Rd(23.08%) * (1-Tc(0.19)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.48 | Cagr: -3.00%
[DCF] Terminal Value 65.32% ; FCFF base≈1.51b ; Y1≈1.73b ; Y5≈2.55b
[DCF] Fair Price = 643.4 (EV 21.7b - Net Debt -17.4b = Equity 39.1b / Shares 60.8m; r=12.67% [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=2.52 | Chg30d=-0.24% | Revisions=+17% | Analysts=8
EPS current Year (2026-12-31): EPS=10.12 | Chg30d=-0.09% | Revisions=+17% | GrowthEPS=+14.9% | GrowthRev=+4.3%
EPS next Year (2027-12-31): EPS=10.53 | Chg30d=-0.45% | Revisions=-40% | GrowthEPS=+4.0% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +0% (up=4, down=4)