📊 BOKF Key Takeaways
Is Bok Financial Corp. (BOKF) a Good Investment?
BOK Financial demonstrates solid profitability with 22.8% net margins and strong free cash flow generation ($575.2M), supported by impressive revenue growth of 90.7% YoY. However, weak interest coverage (1.0x) and modest ROE (9.8%) raise concerns about earnings sustainability and capital efficiency, necessitating closer monitoring of debt management and operational leverage.
BOK Financial shows solid core profitability with a 22.8% net margin, 1.1% ROA, and strong free cash flow generation, which supports overall financial resilience for a bank. However, the very large revenue increase alongside only 0.7% net income growth suggests weaker earnings conversion, and the reported 1.0x interest coverage points to tighter balance sheet flexibility than the headline revenue growth implies.
Why Buy Bok Financial Corp. Stock? BOKF Key Strengths
- Exceptional revenue growth of 90.7% YoY indicates strong business expansion or acquisition activity
- Strong free cash flow generation ($575.2M) with 22.7% FCF margin provides financial flexibility
- Healthy net profit margin of 22.8% demonstrates operational efficiency in core banking operations
- Conservative leverage at 0.78x debt-to-equity provides balance sheet stability
- Solid profitability with 29.3% operating margin and 22.8% net margin
- Healthy cash generation with $739.62M operating cash flow and $575.23M free cash flow
- Balance sheet remains adequately capitalized with $5.92B equity and 9.8% ROE
BOKF Stock Risks: Bok Financial Corp. Investment Risks
- Critical interest coverage ratio of 1.0x leaves minimal margin for error in debt servicing and suggests elevated financial risk
- Weak ROE of 9.8% indicates inefficient capital deployment relative to shareholder equity
- Operating margin of 29.3% coupled with modest ROA of 1.1% suggests challenges in converting operating performance to asset returns
- High Form 4 insider activity (28 filings in 90 days) may indicate significant executive equity transactions requiring investigation
- Revenue growth quality looks weak because net income was nearly flat despite a 90.7% revenue increase
- Reported interest coverage of 1.0x suggests limited cushion against funding cost pressure
- ROE is respectable but not especially strong for a bank, limiting evidence of superior capital efficiency
Key Metrics to Watch
- Interest coverage ratio trend - critical to validate debt sustainability
- ROE progression - monitor capital efficiency improvements
- Revenue growth sustainability - assess whether 90.7% growth is repeatable or driven by one-time factors
- Net interest margin trends in banking operations
- Capital adequacy ratios and regulatory compliance metrics
- Net interest margin and pre-provision earnings trend
- Credit quality metrics including nonperforming loans and provision expense
Bok Financial Corp. (BOKF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 22.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BOKF Profit Margin, ROE & Profitability Analysis
BOKF vs Finance Sector: How Bok Financial Corp. Compares
How Bok Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Bok Financial Corp. Stock Overvalued? BOKF Valuation Analysis 2026
Based on fundamental analysis, Bok Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Bok Financial Corp. Balance Sheet: BOKF Debt, Cash & Liquidity
BOKF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Bok Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $8.02 reflects profitable operations.
BOKF Revenue Growth, EPS Growth & YoY Performance
Bok Financial Corp. Dividends, Buybacks & Capital Allocation
BOKF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Bok Financial Corp. (CIK: 0000875357)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BOKF
What is the AI rating for BOKF?
Bok Financial Corp. (BOKF) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BOKF's key strengths?
Claude: Exceptional revenue growth of 90.7% YoY indicates strong business expansion or acquisition activity. Strong free cash flow generation ($575.2M) with 22.7% FCF margin provides financial flexibility. ChatGPT: Solid profitability with 29.3% operating margin and 22.8% net margin. Healthy cash generation with $739.62M operating cash flow and $575.23M free cash flow.
What are the risks of investing in BOKF?
Claude: Critical interest coverage ratio of 1.0x leaves minimal margin for error in debt servicing and suggests elevated financial risk. Weak ROE of 9.8% indicates inefficient capital deployment relative to shareholder equity. ChatGPT: Revenue growth quality looks weak because net income was nearly flat despite a 90.7% revenue increase. Reported interest coverage of 1.0x suggests limited cushion against funding cost pressure.
What is BOKF's revenue and growth?
Bok Financial Corp. reported revenue of $2.5B.
Does BOKF pay dividends?
Bok Financial Corp. pays dividends, with $147.5M distributed to shareholders in the trailing twelve months.
Where can I find BOKF SEC filings?
Official SEC filings for Bok Financial Corp. (CIK: 0000875357) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BOKF's EPS?
Bok Financial Corp. has a diluted EPS of $9.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BOKF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Bok Financial Corp. has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BOKF stock overvalued or undervalued?
Valuation metrics for BOKF: ROE of 9.8% (sector avg: 12%), net margin of 22.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BOKF stock in 2026?
Our dual AI analysis gives Bok Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BOKF's free cash flow?
Bok Financial Corp.'s operating cash flow is $739.6M, with capital expenditures of $164.4M. FCF margin is 22.7%.
How does BOKF compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.8% (avg: 25%), ROE 9.8% (avg: 12%), current ratio N/A (avg: 1.2).