BOKF
BOK FINANCIAL CORP
Next earnings Jul 20, 2026 · consensus $2.53 EPS, $575M rev
Last earnings -0.7% on 2026-04-20
$139.10
▲ +0.46%$139.10▲ +50.05%
over 1Y
L $92.70EODHDH $139.10
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.5%
1W+4.7%
1M+6.8%
3M+12.2%
YTD+18.3%
1Y+50.1%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 15 analysts
Buy
Well-run Southwest bank: EPS $9.17 (+13%), 9.8% ROE, aggressive buybacks cutting shares 5.5%, reasonable at 14.2x.
Diluted EPS $9.17 · FY2025
The read
Quality fundamentals and an attractive price line up (~59% below fair value) — the rarer case where both the business and the entry look good.
BOK Financial is a high-quality, conservatively run commercial bank anchored in Oklahoma and the broader Southwest. FY2025 net income grew 10.4% to $578M and diluted EPS rose 12.7% to $9.17 — the faster EPS growth reflecting an aggressive buyback that cut shares 5.5%. At 14.2x EPS, the valuation is reasonable for a profitable, growing bank with a strong franchise and diversified fee businesses (brokerage, trust, mortgage).
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $618M | $520M | $531M | $524M | $578M |
| Diluted EPS | $8.95 | $7.68 | $8.02 | $8.14 | $9.17 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF14.7
PEG (trailing)1.46
Earnings yield6.8%
FCF yield6.8%
Quality & risk
ROIC (est.)—
Free cash flow$575M
Total debt$4.63B
Net cash-$2.98B
Piotroski F-Score6/6
Capital returns
Buyback yield4.9%
Dividend yield (est.)1.7%
Shareholder yield6.6%
Shares Δ YoY-5.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-15open ↗8-KPeriod ending 2026-05-112026-05-11open ↗4Period ending 2026-05-082026-05-11open ↗144Filing2026-05-08open ↗4Period ending 2026-05-072026-05-08open ↗8-KPeriod ending 2026-05-052026-05-07open ↗10-QPeriod ending 2026-03-312026-05-06open ↗4Period ending 2026-04-232026-04-24open ↗144Filing2026-04-23open ↗144Filing2026-04-23open ↗8-KPeriod ending 2026-04-202026-04-20open ↗3Period ending 2026-03-312026-04-07open ↗
Frequently asked
- Is BOK FINANCIAL CORP (BOKF) a buy?
- BOKF currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Well-run Southwest bank: EPS $9.17 (+13%), 9.8% ROE, aggressive buybacks cutting shares 5.5%, reasonable at 14.2x.
- What is BOKF's fair value?
- A Modified-Graham model based on BOKF's SEC fundamentals estimates a fair value of about $220.92. It is an estimate from reported earnings, not a price target.
- Is BOKF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, BOKF currently appears undervalued relative to its SEC-grounded earnings power.
- What is BOK FINANCIAL CORP's quality score?
- BOKF scores 72.76470588235294/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000875357, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/21/2026, 8:50:56 PM.
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