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Upturn AI SWOT - About
BOKF 
BOK Financial Corporation (BOKF)
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Upturn Advisory Summary
09/11/2025: 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 $116.1
1 Year Target Price $116.1
| 2 | Strong Buy |
| 1 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.44% | Avg. Invested days 43 | 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 09/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.08B USD | Price to earnings Ratio 13.21 | 1Y Target Price 116.1 |
Price to earnings Ratio 13.21 | 1Y Target Price 116.1 | ||
Volume (30-day avg) 10 | Beta 0.9 | 52 Weeks Range 84.12 - 119.61 | Updated Date 09/12/2025 |
52 Weeks Range 84.12 - 119.61 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 2.07% | Basic EPS (TTM) 8.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.83% | Operating Margin (TTM) 35.37% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 9.64% |
Valuation
Trailing PE 13.21 | Forward PE 12.15 | Enterprise Value 4904776192 | Price to Sales(TTM) 3.41 |
Enterprise Value 4904776192 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 5.7 | Enterprise Value to EBITDA - | Shares Outstanding 63611100 | Shares Floating 21457931 |
Shares Outstanding 63611100 | Shares Floating 21457931 | ||
Percent Insiders 60.67 | Percent Institutions 35.21 |
Upturn AI SWOT
BOK Financial Corporation
Company Overview
History and Background
BOK Financial Corporation was founded in 1910 as Exchange National Bank. It has grown through acquisitions and organic growth, expanding its services and geographic footprint. It is headquartered in Tulsa, Oklahoma.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of all sizes.
- Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, loans, and credit cards.
- Wealth Management: Provides investment management, trust services, and financial planning to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgages.
Leadership and Structure
Stacy Kymes serves as the President and CEO. The company operates with a divisional structure, with each business segment led by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Lending to businesses accounts for a significant portion of BOKF's revenue. Competitors include national banks such as JPM, BAC, WFC, and regional banks such as KEY and PNC. BOKF commercial loans market share is estimated to be less than 1% of the total US market.
- Treasury Management Services: Provides cash management and payment solutions to businesses. Competitors include national banks such as JPM, BAC, WFC. Market Share is estimated at less than 1% of total US market.
- Wealth Management Services: Offers investment advisory and financial planning services to high-net-worth clients. Competitors include GS, MS, UBS, SCHW, RJF, LPLA. Market Share is estimated at less than 1% of total US market.
Market Dynamics
Industry Overview
The banking industry is currently characterized by interest rate volatility, regulatory scrutiny, and increasing competition from fintech companies.
Positioning
BOK Financial Corporation is a regional bank with a strong presence in the Southwest and Midwest. It differentiates itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The total addressable market for banking services is several trillions of dollars. BOK Financial Corporation holds a relatively small percentage of this market, providing opportunity for growth.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Limited national brand recognition
- Reliance on regional economies
- Lower efficiency ratios compared to larger banks
- Smaller tech investment compared to larger competitors
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Growing wealth management business
- Investing in digital banking technologies
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturn in key markets
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
BOK Financial Corporation faces strong competition from larger national banks, but it differentiates itself through its regional focus and personalized service.
Major Acquisitions
Colorado State Bank & Trust
- Year: 2018
- Acquisition Price (USD millions): 529
- Strategic Rationale: Expanded BOKF's presence in the Denver market and added valuable wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: BOK Financial Corporation has grown steadily over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for BOK Financial Corporation, driven by expansion in key markets and investments in technology.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and strategic acquisitions.
Summary
BOK Financial is a regional bank with a solid presence in the Southwest and Midwest. It benefits from diversified revenue streams and an experienced management team. While its limited national brand recognition and reliance on regional economies pose challenges, strategic initiatives and market expansion offer growth potential. Competition remains fierce, requiring continued innovation and efficiency improvements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Materials
- Analyst Reports (FactSet, S&P Capital IQ)
- Industry Reports (IBISWorld, McKinsey)
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial performance data is based on publicly available information and may be 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 5037 | Website https://investor.bokf.com |
Full time employees 5037 | 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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