BOK Financial BOKF
United StatesFinancial Services · Banks - RegionalUSD
147.67 USD (+17.8%)
9 analysts
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BOK Financial Corporation is a US regional bank offering commercial, consumer, wealth management, and investment banking services, primarily in the central and southwestern United States.
Key points
from its scores- ✓High-quality business9.0
- ✓Strong growth7.6
- ✕Fragile balance sheet4.8
- !Modest dividend5.7
- !Somewhat demanding valuation5.9
AI analysis
bottom line, main risk, context and newsBOK Financial is a well-managed regional bank with solid quality and growth, but its valuation does not offer enough margin of safety for an aggressive buy.
BOK Financial shows solid financial health (ROE 10.86%, ROA 1.25%) and exceptional quality (operating margin 40.09%), with earnings growth of 33.20% and a reasonable valuation (P/E 11.82). The rising rate environment in the US is a tailwind for its net interest margin.
The main risk is exposure to the regional credit cycle and US banking regulation, which could tighten in a high-rate environment and pressure asset quality.
Context and risks
BOK Financial is a US regional bank. The rise in US interest rates (10-year Treasury at 5.28%) widens its net interest margin, a positive factor for its financial health. The main risk is regulatory, moderate in the US banking sector, with a base for governance.
Is BOK Financial stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 23% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.8 | 13.7 | −14% |
| Price / book | 1.3 | 1.9 | −32% |
| Price / sales | 3.3 | 3.5 | −3% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.9 out of 10 (median for Financial Services: 5.2).
Average analyst target: 147.67 USD, +17.8% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.8 (sector 5.5), Growth 7.6 (sector 6.9).
Classic formulas with standard assumptions (1.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.8
- Forward P/E
- 11.7
- Price / book
- 1.3
- Price / sales
- 3.3
- PEG
- 1.46
- Market cap
- 7.6B USD
- Enterprise value
- 6.1B USD
Profitability
- ROE
- 10.9%
- ROA
- 1.2%
- ROIC (approx.)
- 8.0%
- Gross margin
- 0.0%
- Operating margin
- 40.1%
- Net margin
- 28.5%
Solvency
- Total debt
- 5.3B USD
- Net debt
- −1.5B USD
- Cash
- 6.8B USD
Growth
- Revenue growth
- +10.1%
- Earnings growth
- +33.2%
- EPS (TTM)
- 10.61 USD
- EPS (forward)
- 10.72 USD
Dividend
- Dividend yield
- 2.0%
- Payout
- 23.2%
Risk and market
- Beta
- 0.82
- Analyst consensus
- Hold (9)
- Target price
- 147.67 USD
- 52-week range
- 102.72 – 146.84
Recent news
All BOKF news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about BOK Financial
Is BOK Financial stock cheap or expensive?
On P/E and Price / book, it trades 23% below the Financial Services median on average. Valuation score: 5.9 out of 10 (median for Financial Services: 5.2). Average analyst target: 147.67 USD, +17.8% versus the price. This is not investment advice.
What score does BOK Financial get on MeridIAn Screener?
It scores 6.5 out of 10, rank 505 of 2,130 (better than 72% of the companies analysed). Its strongest category is Quality / Moat (9.0) and its weakest, Financial health (4.8). Analysis of 08/10/2026.
What is BOK Financial's P/E ratio?
Its P/E is 11.8: the share price equals 11.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.7.
How much is BOK Financial worth on the stock market?
Its market capitalisation is 7.6B USD.
Does BOK Financial pay a dividend?
Yes: its dividend yield is 2.01% and it pays out 23% of its earnings.
How has BOK Financial stock performed over the last year?
It has risen 17.9% over the last year, excluding dividends. Over the last 52 weeks it has traded between 102.72 and 146.84 USD. Past performance does not guarantee future results.
What do analysts think of BOK Financial?
9 analysts cover it; their average recommendation is “Hold” and their average target is 147.67 USD (+17.8% versus the price). It is an estimate, not market data.