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Upturn AI Summary - About
BOK Financial Corporation(BOKF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BOKF
10/19/2026: BOKF (2-star) is currently NOT-A-BUY. Pass it for now.
BOK Financial Corporation is a regional financial services company providing a range of banking, wealth management, and commercial services. The company is known for its strong asset quality, conservative management, and specialized expertise in energy lending. Its primary growth story revolves around expanding its high-margin wealth management fees and regional banking footprint. Key risks include exposure to volatile energy cycles, regional economic downturns, and increasing competition from digital banking platforms. BOKF generally suits value-oriented and income-focused investors looking for steady, moderate growth, and investors should monitor the company's progress in digital modernization and its ability to maintain net interest margins during rate fluctuations.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | BOKF is a stable regional bank and typically lacks the high-growth profile sought by aggressive growth investors. |
| Momentum investor | Mixed fit | Momentum appeal depends on sector-wide rallies in banking stocks rather than unique, stock-specific high-velocity growth. |
| Value investor | Strong fit | BOKF often trades at reasonable multiples relative to its book value and earnings, making it attractive for value-oriented strategies. |
| Dividend investor | Strong fit | The company provides a consistent dividend yield, which is attractive to income-focused investors. |
| Low-risk investor | Strong fit | BOKF maintains a conservative balance sheet and a reputation for sound risk management, fitting low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and general macroeconomic sentiment. |
| Valuation risk | Low | Trading multiples for regional banks are generally stable, reducing the risk of extreme overvaluation. |
| Competition risk (banking) | Medium / high | Intense competition from fintech and national banks puts pressure on margins. |
| Business quality | Strong | The company maintains a high-quality, diversified portfolio with a history of sound credit management. |
| Dividend income | Low | The dividend is generally considered stable and well-covered by earnings. |
| Execution risk | Medium | Successful integration of acquisitions and management of loan portfolios is critical for long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 24.82% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.59B USD | Price to earnings Ratio 11.77 | 1Y Target Price 146.67 |
Price to earnings Ratio 11.77 | 1Y Target Price 146.67 | ||
Volume (30-day avg) 263.1K shares | Beta 0.82 | 52 Weeks Range 100.85 - 146.20 | Updated Date 10/18/2026 |
52 Weeks Range 100.85 - 146.20 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.02% | Basic EPS (TTM) 10.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and debt. | This is the primary way banks profit from the spread between lending and borrowing costs. |
| Non-Interest Income | Trust fees, wealth management fees, service charges, and brokerage commissions. | This provides a steady, fee-based revenue stream that helps stabilize income during interest rate fluctuations. |
| Geography | Operations primarily in Oklahoma, Texas, New Mexico, Colorado, Arizona, Kansas, and Missouri. | The company's performance is tied to the economic health of these specific US regions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-19 | When After Market | Estimate 2.54 | Actual - |
Profitability
Profit Margin 28.53% | Operating Margin (TTM) 40.09% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 10.86% |
Valuation
Trailing PE 11.77 | Forward PE 12.08 | Enterprise Value 6.09B | Price to Sales(TTM) 3.33 |
Enterprise Value 6.09B | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 5.2 | Enterprise Value to EBITDA - | Shares Outstanding 60.77M | Shares Floating 18.74M |
Shares Outstanding 60.77M | Shares Floating 18.74M | ||
Percent Insiders 63.33 | Percent Institutions 36.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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