📊 BOKF Key Takeaways
Is Bok Financial Corp. (BOKF) a Good Investment?
BOK Financial shows strong revenue growth but concerning deterioration in fundamentals. Negative operating cash flow of -$248.7M despite $155.8M net income signals poor earnings quality. Critically weak ROE of 2.6% and interest coverage of 0.3x indicate severe asset utilization and debt service challenges.
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
- Strong revenue growth of 90.7% YoY demonstrates business expansion
- Decent net profit margin of 25.3% shows pricing power
- Moderate leverage with debt-to-equity ratio of 0.78x provides borrowing capacity
- 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
- Negative operating cash flow of -$248.7M reveals severe earnings quality issues and cash generation problems
- Critically low ROE of 2.6% and ROA of 0.3% indicate severely impaired asset utilization and shareholder value destruction
- Dangerous interest coverage ratio of 0.3x suggests inability to cover debt obligations from operating income
- Minimal net income growth (+0.7%) despite massive revenue growth (+90.7%) indicates margin compression or acquisition dilution
- 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
- Operating cash flow trend - must return to positive territory
- Return on equity - needs to improve toward 10%+ industry norms for banks
- Interest coverage ratio - must exceed 1.0x to ensure debt service sustainability
- 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 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 SELL from Claude (SELL) and ChatGPT (HOLD) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BOKF's key strengths?
Claude: Strong revenue growth of 90.7% YoY demonstrates business expansion. Decent net profit margin of 25.3% shows pricing power. 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: Negative operating cash flow of -$248.7M reveals severe earnings quality issues and cash generation problems. Critically low ROE of 2.6% and ROA of 0.3% indicate severely impaired asset utilization and shareholder value destruction. 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 $615.9M.
Does BOKF pay dividends?
Bok Financial Corp. pays dividends, with $37.6M 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 $2.58.
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 May 2026, Bok Financial Corp. has a SELL rating with 80% 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 2.6% (sector avg: 12%), net margin of 25.3% (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 SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BOKF's free cash flow?
Bok Financial Corp.'s operating cash flow is $-248.7M, with capital expenditures of $35.7M. FCF margin is -46.2%.
How does BOKF compare to other Finance stocks?
Vs Finance sector averages: Net margin 25.3% (avg: 25%), ROE 2.6% (avg: 12%), current ratio N/A (avg: 1.2).