BOK Financial Corporation (BOKF) AI Stock Analysis

Founded in 1910, BOK Financial Corporation is the financial holding company for BOKF, NA, providing financial products and services across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. The company operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. Commercial Banking offers lending solutions, treasury services, cash management, commodity risk management, and the TransFund electronic funds transfer network. Consumer Banking provides lending, deposit services, and mortgage loan origination and servicing. Wealth Management delivers fiduciary services, private banking, insurance, investment advisory, and brokerage and trading activities in agency mortgage-backed and municipal securities.

BOK Financial Corporation achieved a 5-year revenue CAGR of 10.2% from FY2020 to FY2025. Annual revenue expanded from $1.83B in FY2021 to $3.05B in FY2023 and peaked at $3.36B in FY2024, before declining 1.1% to $3.33B in FY2025. Net income was $618.1M in FY2021, $520.3M in FY2022, $530.7M in FY2023, $523.6M in FY2024, and rose to $578.0M in FY2025, yielding a net margin of 17.4% and EPS of $8.75. Operating margin was 21.4% in FY2025. For the trailing twelve months, revenue was $2.28B with an operating margin of 40.1%. In the quarter ended June 30, 2026, revenue grew 10.1% year-over-year and quarterly earnings rose 33.2%.

As of June 30, 2026, BOK Financial Corporation held $8.36B in cash and short-term investments against total debt of $4.97B, resulting in net cash of $3.38B. Total assets stood at $53.18B and shareholders' equity was $6.08B, with a debt-to-equity ratio of 0.82 and a current ratio of 0.65. In FY2025, operating cash flow and free cash flow were both $739.6M. Capital allocation in FY2025 included $164.4M in capital expenditures, $413.2M in share buybacks, and $147.5M in dividends paid, contributing to an 11.8% reduction in share count over 5 years.

BOK Financial Corporation closed at $124.83 on October 16, 2026, representing a market capitalization of $7.59B and an enterprise value of $6.09B. The stock trades at a trailing P/E of 11.8x, slightly below the 12.1x median of its US-listed Financial Services peers, and a forward P/E of 12.1x versus the peer median of 10.8x. Its price-to-sales ratio is 3.3x compared to the peer median of 3.2x, while its price-to-book ratio is 1.3x. Over the past year, BOKF returned 21.7%, outperforming the S&P 500 return of 16.8%, but its 5-year return of 47.6% trailed the index return of 83.0%.

BOK Financial Corporation pays an annual forward dividend of $2.52 per share, representing a dividend yield of 2.02% as of October 16, 2026. The dividend is distributed quarterly with a payout ratio of 25.5%. BOKF has paid dividends for 22 consecutive years, generating a 5-year annualized dividend growth rate of 2.7%. Its most recent ex-dividend date was August 19, 2026.

Wall Street coverage on BOK Financial includes 1 Strong Buy, 9 Holds, and 1 Strong Sell rating. The mean price target is $146.67, which is 17.5% above the last close of $124.83. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $10.27 on revenue of $2.28B. For the following fiscal year, 10 analysts estimate EPS of $10.71 and revenue of $2.42B. The company beat EPS estimates in all 4 of its last 4 quarters, with its next earnings date scheduled for October 19, 2026.

This page is an AI-written research summary of BOK Financial Corporation (BOKF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BOKF income statement, BOKF balance sheet, BOKF key metrics, BOKF analyst forecast, BOKF chart. See the BOKF stock overview for the latest quote and news.