BOKF
Neutral signalScored 2026-08-13 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
BOK Financial Corporation
- Nom
- BOK Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $7.8B
- Employés
- 4,970
- PDG
- Stacy C. Kymes
- Site web
- https://www.bokfinancial.com
- Marché
- CBSHCFREFSCFFINOZKPB
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 1 258,539 titres (~181 141,41 $ US)
- Insiders
- BANGERT STEVENKYMES STACY
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$179,950
Avg sell (VWAP, 90d window) $143.96 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-11
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-11 | BANGERT STEVEN | Sell · S | 1,250 | $143.96 | $179,950 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-13 Drivers: fundamentals. Moteurs : fondamentaux.
BOKF's critically low current ratio (0.17) and sub-1.0 interest coverage ratio signal severe liquidity stress that fundamentally undermines the modest earnings beat catalyst.
The first sentence of the analysis written for BOKF on 2026-08-13 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.17 · operating margin 21% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.7% | 57.1% | 63.3% | 89.5% | 102.1% | |
| Ebit Margin | 21.4% | 19.8% | 22.4% | 33.0% | 43.5% | |
| Ebitda Margin | 23.9% | 23.0% | 26.0% | 38.4% | 49.1% | |
| Operating Profit Margin | 21.4% | 19.8% | 22.4% | 33.0% | 43.5% | |
| Pretax Profit Margin | 21.4% | 19.8% | 22.4% | 33.0% | 43.5% | |
| Continuous Operations Profit Margin | 17.4% | 15.6% | 17.4% | 26.0% | 33.7% | |
| Net Profit Margin | 17.4% | 15.6% | 17.4% | 26.0% | 33.8% | |
| Bottom Line Profit Margin | 17.3% | 15.4% | 17.3% | 25.8% | 33.6% | |
| Current Ratio | 0.167 | 0.366 | 0.404 | 0.356 | 0.371 | |
| Quick Ratio | 0.167 | 0.366 | 0.404 | 0.356 | 0.371 | |
| Solvency Ratio | 0.014 | 0.014 | 0.014 | 0.015 | 0.016 | |
| Cash Ratio | 0.037 | 0.036 | 0.038 | 0.038 | 0.065 | |
| Price To Earnings Ratio | 12.904 | 13.077 | 10.680 | 13.514 | 11.787 | |
| Price To Earnings Growth Ratio | 1.010 | 8.740 | 2.412 | -0.952 | 0.264 | |
| Forward Price To Earnings Growth Ratio | 1.010 | 8.740 | 2.412 | -0.952 | 0.264 | |
| Price To Earnings Diluted Ratio | 12.904 | 13.077 | 10.680 | 13.514 | 11.787 | |
| Price To Earnings Diluted Growth Ratio | 1.010 | 8.740 | 2.412 | -0.952 | 0.264 | |
| Price To Book Ratio | 1.219 | 1.223 | 1.093 | 1.490 | 1.349 | |
| Price To Sales Ratio | 2.170 | 2.018 | 1.847 | 3.489 | 3.956 | |
| Price To Free Cash Flow Ratio | 9.757 | 5.390 | -56.380 | 1.422 | -1.857 | |
| Price To Operating Cash Flow Ratio | 9.757 | 4.744 | 84.963 | 1.362 | -1.960 | |
| Debt To Assets Ratio | 0.089 | 0.090 | 0.180 | 0.149 | 0.050 | |
| Debt To Equity Ratio | 0.783 | 0.803 | 1.741 | 1.524 | 0.465 | |
| Debt To Capital Ratio | 0.439 | 0.445 | 0.635 | 0.604 | 0.317 | |
| Long Term Debt To Capital Ratio | 0.063 | 0.362 | 0.603 | 0.509 | 0.029 | |
| Financial Leverage Ratio | 8.826 | 8.955 | 9.689 | 10.206 | 9.368 | |
| Working Capital Turnover Ratio | -0.106 | -0.145 | -0.135 | -0.078 | -0.069 | |
| Operating Cash Flow Ratio | 0.016 | 0.036 | 0.002 | 0.138 | -0.084 | |
| Operating Cash Flow Sales Ratio | 0.222 | 0.426 | 0.022 | 2.562 | -2.019 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.880 | -1.507 | 0.958 | 1.055 | |
| Debt Service Coverage Ratio | 0.121 | 0.230 | 0.291 | 0.255 | 0.300 | |
| Interest Coverage Ratio | 0.591 | 0.468 | 0.638 | 3.653 | 12.862 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.175 | 1.092 | 0.058 | 2.246 | -1.582 | |
| Operating Cash Flow Coverage Ratio | 0.160 | 0.321 | 0.007 | 0.718 | -1.480 | |
| Capital Expenditure Coverage Ratio | 0.000 | 8.337 | 0.399 | 23.819 | -18.075 | |
| Dividend Paid And Capex Coverage Ratio | 5.014 | 4.547 | 0.214 | 14.274 | -10.599 | |
| Dividend Payout Ratio | 0.255 | 0.273 | 0.270 | 0.276 | 0.233 | |
| Enterprise Value Multiple | 12.838 | 12.702 | 16.681 | 16.559 | 7.671 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.7% | ▲6.7% | ▼-11.4% |
| Ebit Margin | 21.4% | ▲1.6% | ▼-6.7% |
| Ebitda Margin | 23.9% | ▲0.9% | ▼-8.2% |
| Operating Profit Margin | 21.4% | ▲1.6% | ▼-6.7% |
| Pretax Profit Margin | 21.4% | ▲1.6% | ▼-6.7% |
| Continuous Operations Profit Margin | 17.4% | ▲1.8% | ▼-4.6% |
| Net Profit Margin | 17.4% | ▲1.8% | ▼-4.7% |
| Bottom Line Profit Margin | 17.2% | ▲1.8% | ▼-4.6% |
| Current Ratio | 0.167 | ▼-0.199 | ▼-0.166 |
| Quick Ratio | 0.167 | ▼-0.199 | ▼-0.166 |
| Solvency Ratio | 0.014 | 0.000 | ▼-0.000 |
| Cash Ratio | 0.037 | ▲0.001 | ▼-0.006 |
| Price To Earnings Ratio | 12.904 | ▼-0.173 | ▲0.512 |
| Price To Earnings Growth Ratio | 1.010 | ▼-7.730 | ▼-1.285 |
| Forward Price To Earnings Growth Ratio | 1.010 | ▼-7.730 | ▼-1.285 |
| Price To Earnings Diluted Ratio | 12.904 | ▼-0.173 | ▲0.512 |
| Price To Earnings Diluted Growth Ratio | 1.010 | ▼-7.730 | ▼-1.285 |
| Price To Book Ratio | 1.219 | ▼-0.004 | ▼-0.056 |
| Price To Sales Ratio | 2.170 | ▲0.151 | ▼-0.526 |
| Price To Free Cash Flow Ratio | 9.757 | ▲4.366 | ▲18.090 |
| Price To Operating Cash Flow Ratio | 9.757 | ▲5.013 | ▼-10.016 |
| Debt To Assets Ratio | 0.089 | ▼-0.001 | ▼-0.023 |
| Debt To Equity Ratio | 0.783 | ▼-0.020 | ▼-0.280 |
| Debt To Capital Ratio | 0.439 | ▼-0.006 | ▼-0.049 |
| Long Term Debt To Capital Ratio | 0.063 | ▼-0.299 | ▼-0.250 |
| Financial Leverage Ratio | 8.826 | ▼-0.129 | ▼-0.583 |
| Working Capital Turnover Ratio | -0.106 | ▲0.039 | ▲0.001 |
| Operating Cash Flow Ratio | 0.016 | ▼-0.019 | ▼-0.005 |
| Operating Cash Flow Sales Ratio | 0.222 | ▼-0.203 | ▼-0.020 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | ▲0.120 | ▲0.523 |
| Debt Service Coverage Ratio | 0.121 | ▼-0.108 | ▼-0.118 |
| Interest Coverage Ratio | 0.591 | ▲0.123 | ▼-3.052 |
| Short Term Operating Cash Flow Coverage Ratio | 0.174 | ▼-0.917 | ▼-0.223 |
| Operating Cash Flow Coverage Ratio | 0.160 | ▼-0.162 | ▲0.214 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-8.336 | ▼-2.896 |
| Dividend Paid And Capex Coverage Ratio | 5.014 | ▲0.467 | ▲2.324 |
| Dividend Payout Ratio | 0.255 | ▼-0.018 | ▼-0.006 |
| Enterprise Value Multiple | 12.838 | ▲0.137 | ▼-0.452 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $7.22B | $6.79B | $5.62B | $6.98B | $7.24B | |
| Enterprise value | $10.19B | $9.81B | $13.23B | $12.71B | $6.89B | |
| EV / Sales | 3.06x | 2.92x | 4.34x | 6.36x | 3.77x | |
| EV / Op. cash flow | 13.78x | 6.86x | 199.90x | 2.48x | -1.87x | |
| EV / Free cash flow | 13.78x | 7.79x | -132.65x | 2.59x | -1.77x | |
| EV / EBITDA | 12.84x | 12.70x | 16.68x | 16.56x | 7.67x | |
| Net debt / EBITDA | 3.75x | 3.91x | 9.59x | 7.47x | -0.38x | |
| Current ratio | 0.17x | 0.37x | 0.40x | 0.36x | 0.37x | |
| Income quality | 1.28x | 2.73x | 0.12x | 9.85x | -5.99x | |
| Graham number | $144 | $127 | $119 | $110 | $126 | |
| Graham net-net | -$640 | -$465 | -$465 | -$446 | -$418 | |
| Tax burden | 81.3% | 78.5% | 77.7% | 78.8% | 77.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$37.55B | -$25.28B | -$21.15B | -$23.86B | -$27.57B | |
| Invested capital | -$35.83B | -$23.22B | -$19.13B | -$21.89B | -$25.70B | |
| Return on assets | 1.1% | 1.1% | 1.1% | 1.1% | 1.2% | |
| Operating ROA | 1.4% | 1.3% | 1.4% | 1.3% | 1.6% | |
| Return on tangible assets | 1.1% | 1.1% | 1.1% | 1.1% | 1.3% | |
| Return on equity | 9.8% | 9.4% | 10.3% | 11.1% | 11.5% | |
| Return on invested capital | 5.1% | 4.7% | 3.4% | 4.0% | 7.1% | |
| Return on capital employed | 9.9% | 6.8% | 4.8% | 6.2% | 12.4% | |
| Earnings yield | 8.0% | 7.7% | 9.4% | 7.5% | 8.5% | |
| Free cash flow yield | 10.2% | 18.6% | -1.8% | 70.3% | -53.9% | |
| Capex / Op. cash flow | 0.0% | 12.0% | 250.7% | 4.2% | -5.5% | |
| Capex / Depreciation | 0.0% | 162.9% | 151.0% | 199.9% | 199.4% | |
| Capex / Sales | 0.0% | 5.1% | 5.4% | 10.8% | 11.2% | |
| SG&A / Sales | 27.8% | 26.2% | 28.7% | 35.8% | 39.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.7% | 0.5% | 0.6% | 0.5% | |
| Intangibles / Total assets | 2.1% | 2.9% | 2.8% | 2.9% | 2.6% | |
| Days sales outstanding | 39d | 31d | 85d | 56d | 56d | |
| Days payables outstanding | 116d | 89d | 111d | 514d | -2615d | |
| Operating cycle | 39d | 31d | 85d | 56d | 56d | |
| Cash conversion cycle | -77d | -58d | -26d | -459d | 2671d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-07-24 BOK Financial: Best-In-Class Execution At Full Valuation BOK Financial delivered record Q2 loan production, best-in-class credit metrics, and raised FY26 guidance, but shares reflect full operational excellence. At $142 per share, BOK Financial trades at approximately 13.6x forward EPS, which falls within our estimated fair value range of $140–$149. Loan growth, fee income diversity, and exceptional credit quality support the premium, but H2 net interest margin expansion is the key variable to monitor.
- 2026-07-21 BOK Financial Corporation (BOKF) Q2 2026 Earnings Call Transcript BOK Financial Corporation (BOKF) Q2 2026 Earnings Call Transcript
- 2026-07-21 BOK Financial Q2 Earnings Call Highlights BOK Financial NASDAQ: BOKF reported higher second-quarter 2026 earnings and record loan production, while executives said credit quality remained strong and raised the company''s full-year loan growth outlook.
- 2026-07-21 BOK Financial Q2 Earnings Beat Estimates as NII & Fee Income Rise Y/Y BOKF beats Q2 earnings estimates as higher NII, fee income and loan growth lift the results, while rising expenses remain a key headwind.
- 2026-07-20 BOK Financial (BOKF) Q2 Earnings and Revenues Top Estimates BOK Financial (BOKF) came out with quarterly earnings of $2.59 per share, beating the Zacks Consensus Estimate of $2.56 per share. This compares to earnings of $2.19 per share a year ago.
- 2026-07-20 BOK Financial Corporation Announces Second Quarter 2026 Earnings TULSA, OK / ACCESS Newswire / July 20, 2026 / BOK Financial Corporation (NASDAQ:BOKF) today reported operating results for the second quarter ended June 30, 2026. The earnings release can be viewed here: https://investor.bokf.com/Q2-2026-Earnings-Full-Release-PDF.
- 2026-07-16 Top Wall Street Forecasters Revamp BOK Financial Expectations Ahead Of Q2 Earnings BOK Financial Corporation (NASDAQ:BOKF) will release its second quarter earnings report after the closing bell on Monday, July 20.
- 2026-07-13 BOK Financial (BOKF) Reports Next Week: Wall Street Expects Earnings Growth BOK Financial (BOKF) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-09 Why BOK Financial (BOKF) is Poised to Beat Earnings Estimates Again BOK Financial (BOKF) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.