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Upturn AI SWOT - About
BOKF 
BOK Financial Corporation (BOKF)
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Upturn Advisory Summary
12/01/2025: BOKF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $118.7
1 Year Target Price $118.7
| 2 | Strong Buy |
| 1 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.72% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.16B USD | Price to earnings Ratio 13.41 | 1Y Target Price 118.7 |
Price to earnings Ratio 13.41 | 1Y Target Price 118.7 | ||
Volume (30-day avg) 10 | Beta 0.88 | 52 Weeks Range 83.63 - 117.52 | Updated Date 12/1/2025 |
52 Weeks Range 83.63 - 117.52 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) 8.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.47% | Operating Margin (TTM) 33.92% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 9.22% |
Valuation
Trailing PE 13.41 | Forward PE 12.32 | Enterprise Value 5661606400 | Price to Sales(TTM) 3.4 |
Enterprise Value 5661606400 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 5.18 | Enterprise Value to EBITDA - | Shares Outstanding 63247676 | Shares Floating 21115869 |
Shares Outstanding 63247676 | Shares Floating 21115869 | ||
Percent Insiders 61 | Percent Institutions 35.44 |
Upturn AI SWOT
BOK Financial Corporation
Company Overview
History and Background
BOK Financial Corporation, founded in 1910 as the Exchange National Bank of Tulsa, has grown into a regional financial services company. It evolved through mergers and acquisitions, expanding its services and geographic reach.
Core Business Areas
- Commercial Banking: Provides lending, treasury services, and deposit products to businesses.
- Consumer Banking: Offers retail banking services, including checking and savings accounts, loans, and wealth management.
- Wealth Management: Delivers investment management, trust services, and financial planning to individuals and institutions.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The company is led by a board of directors and executive management team. Stacy Kymes is the current President and CEO. It operates through a regional structure with various divisions overseeing specific geographic areas and business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data is difficult to pinpoint exactly, but BOKF competes with national and regional banks. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. Revenue data is proprietary.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is regional. Competitors include local credit unions and other regional banks. Revenue data is proprietary.
- Wealth Management Services: Investment management, trust services, and financial planning. Competitors include large brokerage firms like Fidelity and Schwab as well as other regional banks. Revenue data is proprietary.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Economic uncertainty also impacts lending activity.
Positioning
BOK Financial Corporation is a regional bank with a strong presence in the Southwest and Mountain West regions. Its competitive advantages include its strong customer relationships, local market knowledge, and diverse range of financial services.
Total Addressable Market (TAM)
The TAM for regional banking services in the US is estimated to be several trillion dollars. BOKF is positioned to capture a percentage of this TAM through its regional focus and diverse service offerings. A specific TAM estimate is unavailable without more defined parameters.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diverse range of financial services
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on regional economies
- Exposure to credit risk in loan portfolio
- Higher operating costs compared to larger banks
Opportunities
- Expanding into new markets within its geographic footprint
- Acquiring smaller banks and credit unions
- Leveraging technology to improve efficiency and customer service
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- KEY
- FHN
Competitive Landscape
BOK Financial Corporation competes with national and regional banks for customers and market share. Its advantages include its strong regional presence and local market knowledge. Disadvantages include its limited geographic reach compared to national banks.
Major Acquisitions
Cavanal Hill Investment Management, Inc.
- Year: 2003
- Acquisition Price (USD millions):
- Strategic Rationale: Strengthened BOKF's wealth management capabilities. Details on exact price unavailable.
Growth Trajectory and Initiatives
Historical Growth: BOK Financial Corporation's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates for BOK Financial Corporation's future growth vary. Consensus estimates can be found on financial websites like Yahoo Finance or Bloomberg.
Recent Initiatives: Recent initiatives may include digital banking enhancements, expansion of wealth management services, and cost-cutting measures.
Summary
BOK Financial Corporation is a regional bank with solid strengths, particularly its established presence and diverse service offerings. While it has weaknesses relating to scale and limited reach relative to large national banks, it has the opportunity to leverage tech and grow through acquistions. It must watch out for economic and regulatory headwinds. Overall, BOKF's future is contingent on the strength of the regional economies it serves.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Yahoo Finance
- Bloomberg
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial metrics and analyst estimates 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 5045 | Website https://investor.bokf.com |
Full time employees 5045 | 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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