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BOKF logo BOKF
Upturn stock ratingUpturn stock rating
BOKF logo

BOK Financial Corporation (BOKF)

Upturn stock ratingUpturn stock rating
$92.54
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

06/18/2025: BOKF (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

10 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $105.6

Year Target Price $105.6

Analyst’s Price TargetsFor last 52 week
$105.6Target price
Low$84.58
Current$92.54
high$120.26

Analysis of Past Performance

Type Stock
Historic Profit -10.87%
Avg. Invested days 42
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/18/2025

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) -
Beta 0.85
52 Weeks Range 84.58 - 120.26
Updated Date 06/29/2025
52 Weeks Range 84.58 - 120.26
Updated Date 06/29/2025
Dividends yield (FY) 2.35%
Basic EPS (TTM) 8.71

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 3.5
Target Price 105.6
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold 7
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

BOK Financial Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 5030

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.