Bok Financial (BOKF) AI Stock Analysis

• Market Cap: $5.76B
• Dividend Yield: 2.46%
• Average Volume (3M): 188.78K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.06
• Revenue Growth: 11.17%
• EPS Growth: 1.47%
• Country: US
• Employees: 5,056
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 8.14
• Shares Outstanding: 64,271,736
• 10 Day Avg. Volume: 293,822
• 30 Day Avg. Volume: 188,775
• PEG Ratio: 7.48
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.22
• Price to Cash Flow (P/CF): 3.00
• P/FCF Ratio: 2.10
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $113.20
• Price Target Upside: 26.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5

BOK Financial's overall stock score reflects a strong financial position with excellent revenue growth and profitability. While the technical indicators suggest short-term bearish momentum, the company's solid valuation and positive earnings outlook provide a balanced view. The recent corporate events emphasize strategic growth and shareholder returns, supporting a stable long-term outlook.

Positive Factors

Balance Sheet

The balance sheet improved with an enhanced funding mix, despite lower loans.

Credit Conditions

Credit conditions remain positive, with non-performing loans declining to 0.35% of loans, which is better than expected.

Earnings

BOKF reported a solid quarter highlighted by better than expected net interest income paired with better than expected deposit growth.

Negative Factors

Financial Performance

Fees and expenses have shown weaker-than-expected trends, impacting overall financial performance.

Loan Growth

Loan growth is expected to slow down, which may weigh on near-term net interest income.

Operational Leverage

Negative operational leverage is likely in the first half of 2025, impacting short-term performance.

Bok Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

BOK Financial generates revenue primarily through interest income from its lending activities, including commercial loans, consumer loans, and residential mortgages. Additionally, it earns non-interest income from fees and services such as wealth management, brokerage services, and transaction fees from treasury and cash management solutions. The company also benefits from its investment portfolio and gains from securities sales. Strategic partnerships with other financial institutions and a strong focus on cross-selling within its diverse business segments further enhance BOK Financial's earnings potential.

Bok Financial Financial Statement Overview

Summary

Bok Financial shows strong financial health with excellent revenue growth and profitability margins. The balance sheet is robust with minimal debt and high equity, enhancing financial stability. Cash flow has improved significantly, though the lack of capital expenditures may signal potential underinvestment.

Income Statement

Bok Financial demonstrated strong revenue growth from $1.97 billion in 2023 to $2.64 billion in 2024, marking a significant growth trajectory. Gross profit margin is very high at approximately 99%, indicating efficient operations relative to revenue. The net profit margin is solid, although slightly decreased, due to a dip in net income from 2023 to 2024. EBIT and EBITDA margins are robust, reflecting strong operational performance.

Balance Sheet

The company exhibits a strong equity position with a high equity ratio of 97.56% in 2024, reflecting financial stability and low reliance on debt financing. The debt-to-equity ratio is 0, indicating no debt burden, which greatly reduces financial risk. ROE decreased slightly to 9.44% in 2024, but remains healthy, showing effective utilization of shareholder equity.

Cash Flow

Free cash flow in 2024 saw a significant increase compared to 2023, indicating improved cash management. The operating cash flow to net income ratio is strong at 0.59, reflecting good cash generation relative to net income. However, the free cash flow to net income ratio is unusually high due to no capital expenditures, which could indicate underinvestment in future growth.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
2.64B	1.97B	1.82B	1.83B	1.89B
	Gross Profit
2.62B	1.05B	1.04B	948.44M	910.89M
	EBIT
2.57B	844.29M	840.86M	797.90M	563.82M
	EBITDA
2.57B	765.83M	559.94M	246.35M	238.45M
	Net Income Common Stockholders
523.57M	530.75M	520.27M	618.12M	435.03M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
276.05M	203.81M	12.90B	16.00B	14.23B
	Total Assets
49.69B	49.82B	47.79B	50.25B	46.67B
	Total Debt
3.14B	7.82B	4.87B	167.98M	2.16B
	Net Debt
1.71B	6.47B	3.47B	-2.67B	978.40M
	Total Liabilities
44.13B	44.68B	43.10B	44.88B	41.38B
	Stockholders Equity
5.55B	5.14B	4.68B	5.36B	5.27B
Cash Flow		Free Cash Flow
311.39M	66.18M	4.91B	-3.90B	-557.39M
	Operating Cash Flow
311.39M	66.18M	5.12B	-3.69B	-416.26M
	Investing Cash Flow
-2.55M	-1.79B	-4.60B	2.60B	-2.46B
	Financing Cash Flow
-236.60M	1.67B	-1.95B	2.75B	2.80B

Bok Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 89.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOKF, the sentiment is Negative. The current price of 89.65 is below the 20-day moving average (MA) of 95.83, below the 50-day MA of 101.89, and below the 200-day MA of 104.94, indicating a bearish trend. The MACD of -3.83 indicates Positive momentum. The RSI at 35.06 is Neutral, neither overbought nor oversold. The STOCH value of 61.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BOKF.

Bok Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZION	74 Outperform	$6.44B	8.81	13.15%	3.79%	7.91%	13.79%
BOKF	70 Outperform	$5.76B	11.02	9.70%	2.46%	11.17%	1.47%
ONB	68 Neutral	$6.13B	11.42	9.06%	2.86%	16.39%	-13.25%
PB	68 Neutral	$6.27B	13.04	6.60%	3.46%	11.96%	11.66%
BPOP	66 Neutral	$5.97B	10.06	11.42%	3.08%	13.68%	13.73%
SNV	66 Neutral	$5.82B	11.57	10.63%	3.71%	-1.64%	22.50%
Sector *	62 Neutral	$11.85B	9.13	8.11%	79.54%	12.80%	-5.24%

Bok Financial Corporate Events

BOK Financial Reports Q1 2025 Earnings Growth

BOK Financial Corporation reported its first-quarter earnings for 2025, highlighting a net income of $120 million or $1.86 per share. The company experienced a slight increase in net interest income and margin, while fees and commissions revenue decreased due to market volatility. Operating expenses remained stable, with a notable increase in personnel costs. The company saw a decrease in commercial loans but an increase in commercial real estate loans and loans to individuals. Deposits grew, and the company maintained strong capital ratios. Despite challenges, BOK Financial’s diverse business model and robust risk management practices allowed it to navigate market disruptions effectively.

Spark’s Take on BOKF Stock

According to Spark, TipRanks’ AI Analyst, BOKF is a Outperform.

BOK Financial Corporation scores a solid 72, reflecting strong financial performance and positive earnings guidance. The company’s robust balance sheet and strategic growth initiatives are key strengths. However, bearish technical indicators and concerns about underinvestment weigh on the score. The valuation suggests potential upside, making it an attractive consideration for investors.

To see Spark’s full report on BOKF stock, click here.

BOK Financial Highlights Strategic Focus in Investor Presentation

On February 10, 2025, BOK Financial Corporation released an investor presentation on its website, highlighting its strategic focus on long-term growth and diversification across various economic cycles. The presentation underscores the company’s disciplined loan portfolio management, with a significant emphasis on energy lending and healthcare banking, and a robust wealth management division, which manages substantial fiduciary assets and has gained industry recognition. The company’s strategic efforts aim to ensure consistent execution and organic growth, positioning BOK Financial favorably within the financial services industry.

BOK Financial Declares 57 Cents Dividend Per Share

On January 28, 2025, BOK Financial Corporation’s Board of Directors announced a dividend of 57 cents per share for its common stock. This dividend is scheduled for payment on February 26, 2025, to shareholders recorded by February 12, 2025, reflecting the company’s ongoing commitment to shareholder returns.