Is BOKF a good stock to buy right now?

Based on our 6-factor quantitative model, BOK FINANCIAL CORP (BOKF) receives a "Reduce" rating with a composite score of 34.1/100. It is ranked #2,695 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 30/100, Momentum 56/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for BOKF?

BOK FINANCIAL CORP (BOKF) has a "Reduce" rating and 2-star score. The composite score of 34.1 ranks it #2,695 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is BOKF in?

BOK FINANCIAL CORP operates in the Financials sector (Banking industry) with a market cap of $7.78 billion. It is classified as a mid-cap stock.

Does BOKF pay a dividend?

BOKF does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is BOKF's P/E ratio?

BOKF has a trailing P/E ratio of 13.77x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is BOKF?

BOKF's quality factor score is 10/100. Gross margin: 0.0%. ROE: 9.8% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is BOKF valued compared to peers?

BOKF's value factor score is 30/100 (higher = cheaper). Key multiples: P/E 13.8x, EV/EBITDA 15.1x. Trading at a premium relative to peers.

What is BOKF's debt level?

BOKF's debt-to-equity ratio is 78%. Sector average: 121%. Moderate leverage is normal for established companies.

BOKF has a beta of 0.77, meaning it is less volatile than the market. Stability score: 84/100.

Does BOKF have high short interest?

BOKF's short interest factor score is 5/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

BOKF Stock Analysis: Top Mid-Cap Reduce (Score 34.1/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
BOKF	-1.16%	+4.33%	+6.79%	+13.24%	+52.22%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.09%	+0.73%	+6.45%	+13.61%	+22.69%	-	-	-
Alpha vs Sector	-0.07%	+1.83%	+5.37%	+20.55%	+41.63%	-	-	-

Metric	BOKF	Benchmark
P/E Ratio	13.8x	-7%
EV/EBITDA	15.1x	+363%
Price / Book	1.3x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
BOKF BOK FINANCIAL CORP	34	10	30	56	13.8x	9.8%	0.0%	22.3%	-13.3%	78.0x	$7.8B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.6%	0.6%	0.6%	0.5%	0.5%
Operating Margin %	0.3%	0.3%	0.3%	0.3%	0.5%	0.7%	0.4%	0.4%	0.4%	0.5%	0.5%
EBITDA Margin %	0.2%	0.3%	0.3%	0.3%	0.5%	0.7%	0.3%	0.4%	0.4%	0.4%	0.3%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.4%	0.5%	0.2%	0.3%	0.3%	0.2%	0.2%
FCF Margin %	62.7%	-	-	-	-	-	124.1%	97.5%	-100.3%	43.2%	17.5%
ROE %	-	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	-	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	11.9%	5.5%	5.3%	3.8%	4.4%	8.0%	9.1%	5.9%	4.6%	6.3%	7.5%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.6%

0.5%

Operating Margin %

0.3%

0.5%

0.7%

0.4%

0.5%

EBITDA Margin %

0.2%

0.3%

0.5%

0.7%

0.3%

0.4%

0.3%

Net Margin %

0.2%

0.4%

0.5%

0.2%

0.3%

0.2%

FCF Margin %

62.7%

124.1%

97.5%

-100.3%

43.2%

17.5%

ROE %

0.1%

ROA %

0.0%

ROIC %

11.9%

5.5%

5.3%

3.8%

4.4%

8.0%

9.1%

5.9%

4.6%

6.3%

7.5%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$2.4B	$2.5B	$2.6B	$2.3B	$1.4B	$1.2B	$2.0B	$1.8B	$1.6B	$1.5B	$1.4B	$1.4B
	$338M	—	—	—	—	—	$1.1B	$1.1B	$985M	$842M	$747M	$703M
Gross Margin	0.0%	---	---	---	---	---	56.8%	61.6%	61.5%	54.8%	52.6%	51.3%
	—	—	—	—	—	—	$104M	$78M	$92M	$83M	$89M	$93M
Amortization	—	-$52M	—	—	—	—	—	—	—	—	—	—
Total Operating Expenses	—	$1.8B	$2.0B	$1.7B	$732M	$384M	—	—	—	—	—	—
	$546M	$741M	$667M	$683M	$660M	$796M	$842M	$694M	$617M	$695M	$674M	$667M
EBIT	$546M	$741M	$667M	$683M	$660M	$796M	$842M	$694M	$617M	$695M	$674M	$667M
EBITDA	$527M	$741M	$667M	$683M	$660M	$796M	$668M	$709M	$657M	$601M	$427M	$525M
Operating Margin	26.6%	29.3%	25.3%	29.2%	47.4%	67.5%	43.2%	38.4%	38.5%	45.2%	47.4%	48.7%
EBITDA Margin	22.0%	29.3%	25.3%	29.2%	47.4%	67.5%	34.3%	39.2%	41.0%	39.1%	30.1%	38.3%
	—	—	—	$1.1B	$181M	$62M	$161M	$419M	$244M	$131M	$82M	$63M
	—	$741M	$667M	$683M	$660M	$796M	—	—	—	—	—	—
Income Tax Expense	—	$163M	$143M	$152M	$140M	$180M	$129M	$130M	$119M	$183M	$106M	$139M
	$578M	$578M	$524M	$531M	$520M	$616M	$435M	$501M	$446M	$336M	$232M	$292M
Net Margin	22.3%	22.8%	19.9%	22.7%	37.4%	52.2%	22.3%	27.7%	27.9%	21.8%	16.3%	21.5%
	$2.90	$9.17	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.22
Diluted EPS	$2.90	$9.17	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.22
Weighted Avg Basic	—	63M	64M	66M	67M	69M	—	—	—	—	—	—
Weighted Avg Diluted	—	63M	64M	66M	67M	69M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$2.4B

$2.5B

$2.6B

$2.3B

$1.4B

$1.2B

$2.0B

$1.8B

$1.6B

$1.5B

$1.4B

$338M

—

$1.1B

$985M

$842M

$747M

$703M

Gross Margin

0.0%

---

56.8%

61.6%

61.5%

54.8%

52.6%

51.3%

—

$104M

$78M

$92M

$83M

$89M

$93M

Amortization

—

-$52M

—

Total Operating Expenses

—

$1.8B

$2.0B

$1.7B

$732M

$384M

—

$546M

$741M

$667M

$683M

$660M

$796M

$842M

$694M

$617M

$695M

$674M

$667M

EBIT

$546M

$741M

$667M

$683M

$660M

$796M

$842M

$694M

$617M

$695M

$674M

$667M

EBITDA

$527M

$741M

$667M

$683M

$660M

$796M

$668M

$709M

$657M

$601M

$427M

$525M

Operating Margin

26.6%

29.3%

25.3%

29.2%

47.4%

67.5%

43.2%

38.4%

38.5%

45.2%

47.4%

48.7%

EBITDA Margin

22.0%

29.3%

25.3%

29.2%

47.4%

67.5%

34.3%

39.2%

41.0%

39.1%

30.1%

38.3%

—

$1.1B

$181M

$62M

$161M

$419M

$244M

$131M

$82M

$63M

—

$741M

$667M

$683M

$660M

$796M

—

Income Tax Expense

—

$163M

$143M

$152M

$140M

$180M

$129M

$130M

$119M

$183M

$106M

$139M

$578M

$524M

$531M

$520M

$616M

$435M

$501M

$446M

$336M

$232M

$292M

Net Margin

22.3%

22.8%

19.9%

22.7%

37.4%

52.2%

22.3%

27.7%

27.9%

21.8%

16.3%

21.5%

$2.90

$9.17

$8.14

$8.02

$7.68

$8.95

$6.19

$7.03

$6.63

$5.11

$3.53

$4.22

Diluted EPS

$2.90

$9.17

$8.14

$8.02

$7.68

$8.95

$6.19

$7.03

$6.63

$5.11

$3.53

$4.22

Weighted Avg Basic

—

63M

64M

66M

67M

69M

—

Weighted Avg Diluted

—

63M

64M

66M

67M

69M

—

BOK FINANCIAL CORP (BOKF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does BOK FINANCIAL CORP Do?

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 provides lending and deposit services to small business customers through consumer branch network; and engages in the 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 enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma. BOK FINANCIAL CORP (BOKF) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Stacy C. Kymes and employs approximately 4,790 people, headquartered in Tulsa, Oklahoma. With a market capitalization of $7.8B, BOKF is one of the notable companies in the Financials sector.

BOK FINANCIAL CORP (BOKF) Stock Rating — Reduce (April 2026)

As of April 2026, BOK FINANCIAL CORP receives a Reduce rating with a composite score of 34.1/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.BOKF ranks #2,695 out of 4,446 stocks in our coverage universe. Within the Financials sector, BOK FINANCIAL CORP ranks #680 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BOKF Stock Price and 52-Week Range

BOK FINANCIAL CORP (BOKF) currently trades at $134.15. The stock lost $1.57 (1.2%) in the most recent trading session. The 52-week high for BOKF is $138.42, which means the stock is currently trading -3.1% from its annual peak. The 52-week low is $85.08, putting the stock 57.7% above its annual trough. Recent trading volume was 270K shares, suggesting relatively thin trading activity.

Is BOKF Overvalued or Undervalued? — Valuation Analysis

BOK FINANCIAL CORP (BOKF) carries a value factor score of 30/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 13.77x, compared to the Financials sector average of 14.88x — a discount of 7%. The price-to-book ratio stands at 1.29x, versus the sector average of 1.22x. The price-to-sales ratio is 3.32x, compared to 0.90x for the average Financials stock. On an enterprise value basis, BOKF trades at 15.10x EV/EBITDA, versus 3.26x for the sector.

At current multiples, BOK FINANCIAL CORP trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

BOK FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

BOK FINANCIAL CORP (BOKF) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 9.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

On a margin basis, BOK FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 26.6% (sector: 21.8%). Net profit margin stands at 22.3%, versus 17.7% for the average Financials stock. Revenue growth is running at -13.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

BOKF Debt, Balance Sheet, and Financial Health

BOK FINANCIAL CORP has a debt-to-equity ratio of 78.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. Total debt on the balance sheet is $4.63B. Cash and equivalents stand at $1.00B.

BOKF has a beta of 0.77, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for BOK FINANCIAL CORP is 84/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

BOK FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, BOK FINANCIAL CORP reported revenue of $2.40B and earnings per share (EPS) of $2.90. Net income for the quarter was $578M. Gross margin was 0.0%. Operating income came in at $546M.

In Q4 2025, BOK FINANCIAL CORP reported revenue of $590M. Net income for the quarter was $177M.

In FY 2025, BOK FINANCIAL CORP reported revenue of $2.53B and earnings per share (EPS) of $9.17. Net income for the quarter was $578M. Operating income came in at $741M.

In Q3 2025, BOK FINANCIAL CORP reported revenue of $548M and earnings per share (EPS) of $2.22. Net income for the quarter was $141M. Gross margin was 61.6%. Operating income came in at $211M.

Over the past 8 quarters, BOK FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $1.04B to $2.40B. Investors analyzing BOKF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BOKF Dividend Yield and Income Analysis

BOK FINANCIAL CORP (BOKF) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BOKF Momentum and Technical Analysis Profile

BOK FINANCIAL CORP (BOKF) has a momentum factor score of 56/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 37/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

BOKF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, BOK FINANCIAL CORP (BOKF) ranks #680 out of 891 stocks based on the Blank Capital composite score. This places BOKF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing BOKF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BOKF vs S&P 500 (SPY) comparison to assess how BOK FINANCIAL CORP stacks up against the broader market across all factor dimensions.

BOKF Next Earnings Date

No upcoming earnings date has been announced for BOK FINANCIAL CORP (BOKF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BOKF? — Investment Thesis Summary

The quantitative profile for BOK FINANCIAL CORP suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 30/100 indicates premium valuation. Low volatility (stability score 84/100) reduces downside risk.

In summary, BOK FINANCIAL CORP (BOKF) earns a Reduce rating with a composite score of 34.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BOKF stock.

Related Resources for BOKF Investors

Explore more research and tools: BOKF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BOKF head-to-head with peers: BOKF vs WTM, BOKF vs OPY, BOKF vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Regional Banks Stocks Q3 Highlights: First Bancorp (NASDAQ:FBNC)

Is It Too Late To Consider BOK Financial (BOKF) After Its Strong Multi‑Year Rally?

Will BOK Financial (BOKF) Beat Estimates Again in Its Next Earnings Report?

3 sneaky mortgage loan traps to avoid this spring, according to experts

2 Small-Cap Stocks for Long-Term Investors and 1 We Find Risky

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

BOK FINANCIAL CORP (BOKF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does BOK FINANCIAL CORP Do?

BOK FINANCIAL CORP (BOKF) Stock Rating — Reduce (April 2026)

BOKF Stock Price and 52-Week Range

Is BOKF Overvalued or Undervalued? — Valuation Analysis

BOK FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

BOKF Debt, Balance Sheet, and Financial Health

BOK FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

BOKF Dividend Yield and Income Analysis

BOKF Momentum and Technical Analysis Profile

BOKF vs Competitors — Financials Sector Ranking and Peer Comparison

BOKF Next Earnings Date

Should You Buy BOKF? — Investment Thesis Summary

Related Resources for BOKF Investors

Comments

Institutional Benchmarks

Get alerted on rating changes

Intelligence Feed

Regional Banks Stocks Q3 Highlights: First Bancorp (NASDAQ:FBNC)

Is It Too Late To Consider BOK Financial (BOKF) After Its Strong Multi‑Year Rally?

Will BOK Financial (BOKF) Beat Estimates Again in Its Next Earnings Report?

3 sneaky mortgage loan traps to avoid this spring, according to experts

2 Small-Cap Stocks for Long-Term Investors and 1 We Find Risky