BOK Financial (BOKF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BOK Financial

NasdaqGS•Financial Services•Banks - Regional

$136.70-0.65(<0.01%)Market closed

Market Cap

$7.99B

P/E

12.3x

P/S

2.3x

P/B

1.3x

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 engages in the provision of retail lending and deposit services to small business customers through retail branch network; and 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, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and personal and small business checking, online bill paying, mobile banking, automated teller machine, and call centers services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability23/25

Growth16/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality20/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.3x5y range 8.5x – 14.1x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.7x – 3.7x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Revenue Decline

Watch

Revenue has softened, declining in 3 quarters. Watch for further erosion.

Price & Volume

Market Cap $7.99B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $3.43B
Q. Revenue: $876.71M
TTM EBITDA: $942.34M
TTM Op. Income: $832.47M
Q. Op. Income: $227.72M
TTM Net Income: $650.50M
Q. Net Income: $176.54M
EPS: $2.92
Shares Out.: $60.08M

$3.43B in TTM revenue grew 1.1% YoY, reaching $876.71M last quarter. TTM EBITDA of $942.34M and TTM operating income of $832.47M show growth is flowing through to the bottom line. TTM net income of $650.50M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.2%
EBITDA Margin: 26.2%
Op. Margin: 26.0%
Net Margin: 20.1%

Op. margin of 26.0% is up 4.7% YoY — cost efficiency is improving. Net margin at 20.1% and gross margin of 67.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 22% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.3x
P/S Ratio: 2.3x
P/B Ratio: 1.3x

At 12.3x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 7% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $53.18B
Cash: $1.52B
Long-Term Debt: $396.66M
Book Value: $6.08B
D/E Ratio: 0.1
Debt/EBITDA: 1.7

With $53.18B in assets and $396.66M in long-term debt, D/E is 0.1and book value is $6.08B — a conservative capital structure with a cushion to weather downturns. Across the last 6 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.12B
TTM Free Cash Flow: $1.33B
FCF Margin: 38.9%
FCF / Net Income: 2.0

TTM FCF of $1.33B on $1.12B in operating cash flow. The FCF / Net Income ratio of 2.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 81% — an improving trend.