Financial Services · Banks - Regional
Price
$139.10
Market Cap
$8.5B
Employees
5,030
Beta
0.81
Avg Volume
301,266
CEO
Stacy C. Kymes
Business Description
BOK Financial Corporation (BOKF) functions as the holding company for its primary banking subsidiary, BOKF, NA, delivering a comprehensive suite of financial products and services. Its operations span a multi-state region, including Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and parts of Kansas and Missouri. The company's business is strategically organized into three distinct divisions: Commercial Banking: This segment caters to diverse business clientele, ranging from small enterprises to large corporations. It provides essential services like corporate lending, treasury management, cash flow solutions, and risk management for commodity exposure. This segment also manages the extensive TransFund electronic funds transfer (EFT) network. Consumer Banking: This division focuses on individual and small business clients, offering deposit accounts and various loan products through its consumer branch network. Furthermore, it handles the origination and servicing of residential mortgage loans. Wealth Management: This group delivers a range of specialized financial services, including fiduciary responsibilities, private banking, insurance offerings, and investment advisory. This segment also encompasses brokerage and trading activities, notably facilitating liquidity in mortgage markets through the trading of U.S. government agency mortgage-backed securities and associated derivatives, in addition to underwriting state and municipal bonds. Beyond segment-specific offerings, the corporation extends a variety of loan products. These include commercial loans tailored for working capital, equipment purchases, facility expansion or acquisition, and general operational needs, serving diverse sectors such as service, healthcare, manufacturing, wholesale/retail, and energy. It also finances commercial real estate projects, including construction and property investments, alongside residential mortgages and personal loans. Customers also benefit from modern banking conveniences, such as automated teller machines (ATMs), a dedicated call center, and robust online and mobile banking platforms. As of December 31, 2021, its TransFund ATM network alone comprised 2,593 locations. Established in 1910, the company maintains its corporate headquarters in Tulsa, Oklahoma.
Business History
Price Overview
Last updated: Jun 27, 2026 10:04am (just now)$139.10
+0.64 (+0.46%)
Day Range
$137.48 – $139.51
52-Week Range
$96.89 – $139.73
50-Day MA
$131.79
200-Day MA
$123.00
Volume
446,752.00
Analyst Price Targets
Low
$115.00
Consensus
$132.00
High
$140.00
(30 analysts)
Share Structure
Outstanding
60,760,000.00
Float
18,624,153.00
Free Float
30.7%
Moderate free float
— 30.7% of shares trade freely, ~69.3% held by insiders/institutions
Reasonable but insiders still hold a significant stake. This can be positive (skin in the game) but may limit liquidity during sell-offs.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
13.60
Stock Price: $139.10
EPS (Diluted): 9.18
EPS (Diluted): 9.18
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.22
Stock Price: $139.10
Total Equity: $5.92B
Shares: 60,916,929
Total Equity: $5.92B
Shares: 60,916,929
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
16.05
Market Cap: $8.45B
Total Debt: $4.63B
Cash: $1.66B
EBITDA: $793.89M
Total Debt: $4.63B
Cash: $1.66B
EBITDA: $793.89M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$10.2B
Market Cap: $8.45B
Total Debt: $4.63B
Cash: $1.66B
Total Debt: $4.63B
Cash: $1.66B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
63.7%
Gross Profit: $2.12B
Revenue: $3.33B
Revenue: $3.33B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
21.4%
Operating Income: $711.20M
Revenue: $3.33B
Revenue: $3.33B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
17.4%
Net Income: $577.99M
Revenue: $3.33B
Revenue: $3.33B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
10.3%
Net Income: $577.99M
Total Equity: $5.92B
Total Equity: $5.92B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
1.1%
Operating Income: $711.20M
Tax Rate: 18.7%
Equity: $5.92B
Total Debt: $4.63B
Cash: $1.66B
Tax Rate: 18.7%
Equity: $5.92B
Total Debt: $4.63B
Cash: $1.66B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.17
Current Assets: $7.50B
Current Liabilities: $45.05B
Current Liabilities: $45.05B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.78
Short-Term Debt: $4.24B
Long-Term Debt: $396.59M
Total Debt: $4.63B
Total Equity: $5.92B
Long-Term Debt: $396.59M
Total Debt: $4.63B
Total Equity: $5.92B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$54.59
Revenue: $3.33B
Shares: 60,916,929
Shares: 60,916,929
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$97.16
Total Equity: $5.92B
Shares: 60,916,929
Shares: 60,916,929
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$12.14
Operating CF: $739.62M
CapEx: $0.00
Shares: 60,916,929
CapEx: $0.00
Shares: 60,916,929
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
2.0%
Last Dividend: N/A
Stock Price: $139.10
Stock Price: $139.10
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $577.99M
Net Income: $577.99M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares BOKF against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:43pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.8B | $2.0B | $3.0B | $3.4B | $3.3B |
| Cost of Revenue | -$38.1M | $210.7M | $1.1B | $1.4B | $1.2B |
| Gross Profit | $1.9B | $1.8B | $1.9B | $1.9B | $2.1B |
| Operating Expenses | $1.1B | $1.1B | $1.2B | $1.3B | $1.4B |
| Operating Income | $796.1M | $660.2M | $683.2M | $666.6M | $711.2M |
| Net Income | $618.1M | $520.3M | $530.7M | $523.6M | $578.0M |
| EBITDA | $898.6M | $767.7M | $793.1M | $772.0M | $793.9M |
| EPS | $8.95 | $7.68 | $8.02 | $8.14 | $9.18 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:43pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.8B | $1.4B | $1.3B | $1.4B | $1.7B |
| Total Current Assets | $16.3B | $13.2B | $14.3B | $14.6B | $7.5B |
| Total Assets | $50.2B | $47.8B | $49.8B | $49.7B | $52.2B |
| Current Liabilities | $43.8B | $37.1B | $35.5B | $39.9B | $45.0B |
| Long-Term Debt | $160.6M | $4.9B | $7.8B | $3.1B | $396.6M |
| Total Liabilities | $44.9B | $43.1B | $44.7B | $44.1B | $46.3B |
| Total Equity | $5.4B | $4.7B | $5.1B | $5.5B | $5.9B |
| Retained Earnings | $4.4B | $4.8B | $5.2B | $5.6B | $6.0B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:43pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$3.7B | $5.1B | $66.2M | $1.4B | $739.6M |
| Capital Expenditure | -$204.3M | -$215.0M | -$165.9M | -$171.6M | $0 |
| Free Cash Flow | -$3.9B | $4.9B | -$99.7M | $1.3B | $739.6M |
| Acquisitions (net) | $0 | $0 | $32.6M | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$122.8M | -$159.8M | -$181.8M | -$93.6M | -$413.2M |
| Net Change in Cash | $1.7B | -$1.4B | -$53.5M | $86.4M | $223.4M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 6:07am (3h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$2.1B $2.1B – $2.1B
|
$2.3B $2.3B – $2.3B
|
$2.4B $2.4B – $2.4B
|
$2.5B $2.5B – $2.5B
|
| EBITDA |
$683.6M $681.2M – $687.0M
|
$731.2M $728.7M – $734.9M
|
$772.2M $769.5M – $776.1M
|
$798.7M $798.7M – $798.7M
|
| Net Income |
$513.6M $512.7M – $514.6M
|
$619.5M $611.6M – $641.6M
|
$625.7M $622.5M – $659.3M
|
$656.3M $617.2M – $695.4M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:43pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +9.3% | +52.3% | +10.4% | -1.1% |
| Gross Profit Growth | -4.2% | +7.8% | -0.6% | +10.5% |
| Operating Income Growth | -17.1% | +3.5% | -2.4% | +6.7% |
| Net Income Growth | -15.8% | +2.0% | -1.4% | +10.4% |
| EBITDA Growth | -14.6% | +3.3% | -2.7% | +2.8% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 6:07am (3h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-08 | Wade Mark B. | S-Sale | 1,700.00 | $132.62 | $225,454 |
| 2026-05-07 | BANGERT STEVEN | S-Sale | 2,100.00 | $134.78 | $283,038 |
| 2026-05-07 | BANGERT STEVEN | S-Sale | 500.00 | $134.91 | $67,454 |
| 2026-04-23 | Reid Jeffrey A. | S-Sale | 1,095.00 | $135.56 | $148,438 |
| 2026-04-23 | Reid Jeffrey A. | S-Sale | 105.00 | $135.13 | $14,189 |
| 2026-03-31 | Sloan Tamara Ruth | 0.00 | $0.00 | $0 | |
| 2026-03-10 | Vincent Brad A | J-Other | 940.00 | $0.00 | $0 |
| 2026-03-10 | Vincent Brad A | J-Other | 940.00 | $0.00 | $0 |
| 2026-02-18 | Weil Kelley | M-Exempt | 1,397.00 | $0.00 | $0 |
| 2026-02-17 | Weil Kelley | A-Award | 3,017.00 | $0.00 | $0 |
| 2026-02-18 | Weil Kelley | F-InKind | 1,610.00 | $133.56 | $215,032 |
| 2026-02-18 | Wade Mark B. | M-Exempt | 1,687.00 | $0.00 | $0 |
| 2026-02-18 | Wade Mark B. | F-InKind | 132.41 | $133.56 | $17,685 |
| 2026-02-17 | Wade Mark B. | A-Award | 5,113.00 | $0.00 | $0 |
| 2026-02-18 | Wade Mark B. | D-Return | 4,262.59 | $0.00 | $0 |
| 2026-02-18 | Wade Mark B. | A-Award | 4,262.59 | $0.00 | $0 |
| 2026-02-18 | Vincent Brad A | M-Exempt | 2,194.00 | $0.00 | $0 |
| 2026-02-18 | Vincent Brad A | F-InKind | 182.75 | $133.56 | $24,408 |
| 2026-02-17 | Vincent Brad A | A-Award | 4,719.00 | $0.00 | $0 |
| 2026-02-18 | Vincent Brad A | D-Return | 5,533.25 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 7:43pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-13 | $0.63 | 2026-05-05 | 2026-05-13 | 2026-05-27 |
| 2026-02-19 | $0.63 | 2026-02-03 | 2026-02-19 | 2026-03-05 |
| 2025-11-12 | $0.63 | 2025-10-28 | 2025-11-12 | 2025-11-26 |
| 2025-08-13 | $0.57 | 2025-07-29 | 2025-08-13 | 2025-08-27 |
| 2025-05-15 | $0.57 | 2025-04-29 | 2025-05-15 | 2025-05-28 |
| 2025-02-12 | $0.57 | 2025-01-29 | 2025-02-12 | 2025-02-26 |
| 2024-11-15 | $0.57 | 2024-10-29 | 2024-11-15 | 2024-11-27 |
| 2024-08-15 | $0.55 | 2024-07-30 | 2024-08-15 | 2024-08-30 |
| 2024-05-14 | $0.55 | 2024-04-30 | 2024-05-15 | 2024-05-30 |
| 2024-02-13 | $0.55 | 2024-01-30 | 2024-02-14 | 2024-02-28 |
| 2023-11-14 | $0.55 | 2023-10-31 | 2023-11-15 | 2023-11-30 |
| 2023-08-14 | $0.54 | 2023-08-01 | 2023-08-15 | 2023-08-30 |
| 2023-05-12 | $0.54 | 2023-05-02 | 2023-05-15 | 2023-05-30 |
| 2023-02-13 | $0.54 | 2023-01-31 | 2023-02-14 | 2023-02-28 |
| 2022-11-14 | $0.54 | 2022-11-01 | 2022-11-15 | 2022-11-25 |
| 2022-08-15 | $0.53 | 2022-08-02 | 2022-08-16 | 2022-08-25 |
| 2022-05-10 | $0.53 | 2022-05-09 | 2022-05-11 | 2022-05-25 |
| 2022-02-14 | $0.53 | 2022-02-01 | 2022-02-15 | 2022-02-23 |
| 2021-11-12 | $0.53 | 2021-11-02 | 2021-11-15 | 2021-11-24 |
| 2021-08-13 | $0.52 | 2021-08-03 | 2021-08-16 | 2021-08-26 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BOKF — it's generated by the pipeline (
market-narrative step).
No community reviews yet for BOKF.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30