BOKF
NEUTRAL
$132.12
Live
BOK Financial Corporation · NASDAQ
Target $134.3
(+1.7%)
$85.08
52W Range
$138.09
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$8.36B
P/E
14.41
ROE
10.1%
Profit margin
26.6%
Debt/Equity
N/A
Dividend yield
1.86%
AI Analysis
AI-powered fundamental assessment
Confidence
65%
BOKF exhibits weak financial health with a Piotroski F-Score of just 2/9, signaling significant concerns in profitability, leverage, and operating efficiency. Despite this, the company shows strong recent earnings growth (YoY EPS +17%, Q/Q +11.7%) and beats earnings estimates in 3 of the last 4 quarters, supporting its current valuation above the Graham Number of $141.93. Profit margins and ROA are solid for the banking sector, but missing data on key leverage and liquidity ratios, along with insider selling, raise caution. The stock trades near analyst target ($134.30) with mixed technicals and low insider sentiment, warranting a cautious hold despite attractive yield and growth.
Key Strengths
Strong year-over-year earnings growth of 36.1% and consistent EPS beat rate (3 out of last 4 quarters)
High profitability with operating margin of 38.63% and net profit margin of 26.59%, well above sector average
Attractive dividend yield of 1.86% with a sustainable payout ratio of 25.52%
Valuation appears reasonable with P/E of 14.41, below sector average of 21.77
Solid historical price performance: +89.8% over 5 years and +26.9% over 6 months
Key Risks
Critically low Piotroski F-Score of 2/9 indicates deteriorating financial health and poor fundamental momentum
Missing Altman Z-Score and key leverage metrics (Debt/Equity, Cash/Debt) creates uncertainty around financial stability
Insider selling activity: $0.68M in sales over last 6 months with no buys, signaling lack of confidence from insiders
Weak technical trend score of 10/100 suggests deteriorating price momentum near-term
Missing critical financial data (ROIC, EV/EBITDA, cash flow, shares outstanding) limits full fundamental assessment
AI Fair Value Estimate
Based on comprehensive analysis
$155.0
+17.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
62
70
60
30
68
AI Verdict
Cautiously Neutral – Growth and profitability offset weak financial health and insider selling
Key drivers: Strong earnings growth and margin performance, Low Piotroski F-Score and missing financial health data, Insider selling pressure, Near-target valuation with mixed technicals, Sustainable dividend profile
Confidence
65%
Value
62/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 14.41 is below sector average (21.77)
- Forward P/E of 13.15 suggests earnings growth is priced in
- Current price ($132.12) below analyst target ($134.30)
Watchpoints
- Stock trades above Graham Number ($141.93), implying limited margin of safety for defensive investors
- PEG unavailable; valuation may not fully account for growth sustainability
Future
70/100
Ref Growth rates
Positives
- Strong YoY earnings growth of 36.1%
- Q/Q earnings growth of 30.2% indicates accelerating profitability
- Revenue growth of 12.7% supports top-line momentum
Watchpoints
- Future outlook clouded by missing forward guidance and PEG ratio
- Recent insider selling may reflect concerns about future performance
Past
60/100
Ref Historical trends
Positives
- 5-year return of +89.8% outperforms broader market and peer group
- History of beating earnings estimates in recent quarters (3 of last 4)
Watchpoints
- Earnings misses in early 2024 (Q1 and Q2) with surprises of -30.4% and -22.4%
- Volatility in quarterly performance over past 2 years
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROA of 1.13% is positive, indicating asset efficiency
- ROE of 10.08% is stable for a regional bank
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial weakness
- Altman Z-Score not available, increasing risk uncertainty
- Critical liquidity and leverage ratios (Debt/Equity, Current Ratio) missing
Dividend
68/100
Ref Yield, Payout
Positives
- Dividend yield of 1.86% is above average for financial sector
- Payout ratio of 25.52% is low, indicating high sustainability
Watchpoints
- No 5-year average yield data to assess consistency
- Dividend Strength score is low at 25/100, suggesting structural concerns
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$132.12
Analyst Target
$134.3
Upside/Downside
+1.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BOKF and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BOKF
BOK Financial Corporation
Primary
|
+89.8% | +43.0% | +22.1% | +26.9% | +8.8% | +3.0% |
|
SNEX
StoneX Group Inc.
Peer
|
+445.4% | +244.0% | +98.1% | +58.6% | +52.2% | +14.1% |
|
BPOP
Popular, Inc.
Peer
|
+138.1% | +95.5% | +24.0% | +7.1% | -3.2% | -4.8% |
|
FDS
FactSet Research Systems Inc.
Peer
|
-30.1% | -43.8% | -46.9% | -20.7% | +15.6% | -3.7% |
|
GGAL
Grupo Financiero Galicia S.A.
Peer
|
+740.1% | +417.2% | -5.0% | +41.4% | +8.9% | +3.7% |
BOK
BOK Financial Corporation
Primary
5Y
+89.8%
3Y
+43.0%
1Y
+22.1%
6M
+26.9%
1M
+8.8%
1W
+3.0%
SNE
StoneX Group Inc.
Peer
5Y
+445.4%
3Y
+244.0%
1Y
+98.1%
6M
+58.6%
1M
+52.2%
1W
+14.1%
BPO
Popular, Inc.
Peer
5Y
+138.1%
3Y
+95.5%
1Y
+24.0%
6M
+7.1%
1M
-3.2%
1W
-4.8%
FDS
FactSet Research Systems Inc.
Peer
5Y
-30.1%
3Y
-43.8%
1Y
-46.9%
6M
-20.7%
1M
+15.6%
1W
-3.7%
GGA
Grupo Financiero Galicia S.A.
Peer
5Y
+740.1%
3Y
+417.2%
1Y
-5.0%
6M
+41.4%
1M
+8.9%
1W
+3.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.41
Forward P/E
13.15
PEG Ratio
N/A
P/B Ratio
1.35
P/S Ratio
3.84
EV/Revenue
2.62
EV/EBITDA
N/A
Market Cap
$8.36B
Profitability
Profit margins and return metrics
Profit Margin
26.59%
Operating Margin
38.63%
Gross Margin
N/A
ROE
10.08%
ROA
1.13%
Growth
Revenue and earnings growth rates
Revenue Growth
+12.7%
Earnings Growth
+36.1%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+30.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$121.27
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-20
$N/A
2026-01-16
$2.48
+14.8% surprise
2025-10-19
$2.22
+2.2% surprise
2025-07-21
$2.19
+10.0% surprise
Financial Services Sector Comparison
Comparing BOKF against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
14.41
This Stock
vs
36.01
Sector Avg
-60.0%
(Discount)
Return on Equity (ROE)
10.08%
This Stock
vs
-0.73%
Sector Avg
-1475.2%
(Below Avg)
Profit Margin
26.59%
This Stock
vs
91.62%
Sector Avg
-71.0%
(Weaker)
Revenue Growth
12.7%
This Stock
vs
35.27%
Sector Avg
-64.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BOKF
BOK Financial Corporation
|
NEUTRAL | $8.36B | 14.41 | 10.1% | 26.6% | $132.12 | |
|
SNEX
StoneX Group Inc.
|
BULLISH | $8.34B | 23.77 | 16.7% | 0.3% | $106.03 | Compare |
|
BPOP
Popular, Inc.
|
NEUTRAL | $8.24B | 11.22 | 13.1% | 27.0% | $121.97 | Compare |
|
FDS
FactSet Research Systems Inc.
|
BEARISH | $8.16B | 14.43 | 28.1% | 24.5% | $224.12 | Compare |
|
GGAL
Grupo Financiero Galicia S.A.
|
BEARISH | $8.04B | 53.85 | 2.5% | 3.1% | $47.93 | Compare |
BOKF
BOK Financial Corporation
NEUTRAL
Mkt Cap
$8.4B
P/E
14.4
ROE
10.1%
Price
$132.12
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-16 | ROGERS MICHAEL J | Officer | Stock Award | 825 | - |
| 2025-12-01 | WALDO ROBERT A | Director | Gift | 5,000 | - |
| 2025-12-01 | BANGERT STEVEN | Director | Sale | 1,000 | $114,888 |
| 2025-10-30 | BANGERT STEVEN | Director | Sale | 2,500 | $265,510 |
| 2025-09-05 | GRAUER SCOTT B. | Officer | Gift | 100 | - |
| 2025-08-25 | KYMES STACY C | Chief Executive Officer | Gift | 3,060 | - |
| 2025-08-12 | GRAUER SCOTT B. | Officer | Gift | 250 | - |
| 2025-08-04 | BANGERT STEVEN | Director | Sale | 3,000 | $297,448 |
ROGERS MICHAEL J
Officer
2026-01-16
825 shares
WALDO ROBERT A
Director
2025-12-01
5,000 shares
BANGERT STEVEN
Director
2025-12-01
1,000 shares
·
$114,888
BANGERT STEVEN
Director
2025-10-30
2,500 shares
·
$265,510
GRAUER SCOTT B.
Officer
2025-09-05
100 shares
KYMES STACY C
Chief Executive Officer
2025-08-25
3,060 shares
GRAUER SCOTT B.
Officer
2025-08-12
250 shares
BANGERT STEVEN
Director
2025-08-04
3,000 shares
·
$297,448
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
10 analysts
Citigroup
2026-01-22
Neutral
Neutral
Keefe, Bruyette & Woods
2026-01-21
Market Perform
Market Perform
RBC Capital
2026-01-21
Sector Perform
Sector Perform
Barclays
2026-01-21
Equal-Weight
Equal-Weight
Wells Fargo
2026-01-05
Equal-Weight
Equal-Weight
Barclays
2025-12-19
Equal-Weight
Equal-Weight
Hovde Group
2025-12-12
Outperform
Market Perform
DA Davidson
2025-10-22
Buy
Buy
Wells Fargo
2025-10-22
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2025-10-22
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BOKF from our newsroom.
Newest → oldest
No matching news yet.