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Upturn AI SWOT - About
BOKF 
BOK Financial Corporation (BOKF)
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Upturn Advisory Summary
06/30/2025: BOKF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $105.1
1 Year Target Price $105.1
| 2 | Strong Buy |
| 1 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.87% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.24B USD | Price to earnings Ratio 11.15 | 1Y Target Price 105.1 |
Price to earnings Ratio 11.15 | 1Y Target Price 105.1 | ||
Volume (30-day avg) 10 | Beta 0.85 | 52 Weeks Range 84.58 - 120.26 | Updated Date 06/30/2025 |
52 Weeks Range 84.58 - 120.26 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.35% | Basic EPS (TTM) 8.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.81% | Operating Margin (TTM) 32.76% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 10.26% |
Valuation
Trailing PE 11.15 | Forward PE 11.34 | Enterprise Value 2882336512 | Price to Sales(TTM) 2.99 |
Enterprise Value 2882336512 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 64261800 | Shares Floating 22154264 |
Shares Outstanding 64261800 | Shares Floating 22154264 | ||
Percent Insiders 60.13 | Percent Institutions 35.29 |
Analyst Ratings
Rating 4 | Target Price 105.1 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BOK Financial Corporation
Company Overview
History and Background
BOK Financial Corporation was founded in 1910 as Exchange National Bank in Tulsa, Oklahoma. It has grown through acquisitions and organic expansion to become a regional financial services company.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of all sizes.
- Consumer Banking: Offers retail banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust services, and financial planning to high-net-worth individuals and families.
- Mortgage Banking: Originates and services mortgage loans through consumer direct channels.
Leadership and Structure
Stacy Kymes serves as the Chief Executive Officer. The company operates under a traditional corporate structure with a board of directors and executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer lending solutions to businesses. While specific market share data is difficult to obtain, BOKF competes with national and regional banks in its markets, including Bank of America and JPMorgan Chase. Revenue are significant component of overall revenue.
- Wealth Management Services: Investment management, trust, and estate planning services. Competitors include large wealth management firms like Merrill Lynch (BAC) and UBS. Market share is dependent on AUM which is confidential.
- Mortgage Origination: Originate and services mortgage loans through consumer direct channels. The market is filled with a lot of private competitors and also Wells Fargo (WFC). Market share is difficult to obtain. Revenue are significant component of overall revenue.
Market Dynamics
Industry Overview
The banking industry is currently experiencing volatility due to interest rate changes, regulatory scrutiny, and technological disruption.
Positioning
BOK Financial is a regional bank with a strong presence in the Southwest and Midwest. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in BOKF's footprint is estimated to be in the billions. BOKF aims to grow its market share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business lines
- Experienced management team
- Solid capital position
Weaknesses
- Geographic concentration
- Reliance on energy sector
- Limited brand recognition outside its core markets
- Relatively lower productivity per employee compared to bigger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- Commerce Bancshares, Inc. (CBSH)
- Prosperity Bancshares, Inc. (PB)
Competitive Landscape
BOK Financial faces competition from larger national banks and regional banks. BOKF's competitive advantage lies in its strong local presence and customer relationships.
Major Acquisitions
Cavanal Hill Investment Management
- Year: 2003
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded BOKF's wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: BOK Financial has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
BOK Financial is a strong regional bank with diversified business lines and a solid financial position. Its strong regional presence, diversified business lines, and a solid capital position are all working well. However, it faces challenges from larger competitors and economic fluctuations, with over-reliance on the energy sector being a notable risk. Maintaining capital efficiency and further diversifying income streams are necessary.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Investor Presentations, Company Website, Analyst Reports, Bloomberg
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BOK Financial Corporation
Exchange NASDAQ | Headquaters Tulsa, OK, United States | ||
IPO Launch date 1991-09-05 | CEO, President & Director Mr. Stacy C. Kymes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5030 | Website https://investor.bokf.com |
Full time employees 5030 | Website https://investor.bokf.com | ||
BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
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