BOKF
Financial ServicesBOK Financial Corporation · Banks - Regional · $8B
What is BOK Financial Corporation?
BOK Financial Corporation is a regional financial holding company headquartered in Tulsa, Oklahoma, serving individuals, businesses, and institutions across the south-central and western United States. Founded in 1991, it operates through a network of banking and wealth management businesses.
BOK Financial generates revenue through three core segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking arm serves small businesses, middle-market companies, and larger commercial clients with lending, treasury, and cash management solutions. Consumer Banking handles retail deposits, small business lending, and mortgage origination and servicing. The Wealth Management segment rounds out the business with fiduciary services, private banking, insurance, investment advisory, and brokerage activities — including trading of mortgage-backed securities and underwriting of municipal bonds.
BOK Financial was founded in 1991 and is headquartered in Tulsa, Oklahoma.
- Commercial lending and treasury management for businesses
- Consumer deposit accounts and mortgage origination services
- Wealth management, fiduciary, and private banking services
- TransFund electronic funds transfer network
- Municipal securities underwriting and mortgage-backed securities trading
Is BOKF a Good Stock to Buy?
UQS Score rates BOKF as Below Average overall, reflecting meaningful headwinds across several key pillars.
Among the brighter spots in BOKF's profile are its Quality and Valuation pillars, both rated Good. The Quality rating suggests the bank maintains reasonably sound financial practices relative to peers, while the Valuation pillar indicates the stock does not appear significantly overpriced given its fundamentals.
The Moat, Growth, and Risk pillars all carry Weak ratings — pointing to limited competitive differentiation, subdued growth prospects, and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BOKF pay dividends?
Yes — BOK Financial Corporation pays a dividend.
BOK Financial pays a regular dividend, which is consistent with its profile as a mature regional bank. Regional banks of this scale often return capital to shareholders through dividends rather than aggressive reinvestment, reflecting a more conservative capital allocation approach. Income-oriented investors may find the dividend cadence appealing, though the overall risk profile of the business warrants consideration alongside the yield.
When does BOKF report earnings?
BOK Financial reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
Given the Weak Growth pillar rating, recent earnings cycles have reflected the challenges facing regional banks in the current environment — including pressure on net interest income and loan demand variability. The Good Quality rating suggests the bank has maintained reasonable operational discipline through these cycles.
For the most recent quarter's results and upcoming reporting dates, visit BOK Financial's investor relations page directly.
BOKF Price History
+64.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in BOK Financial Corporation?
Based on BOK Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BOKF Long-term Outlook
BOKF's fundamental outlook is shaped by its Weak Growth and Weak Risk pillar ratings, suggesting the near-term trajectory faces headwinds. Regional banks in the south-central US are exposed to energy sector lending cycles and commercial real estate dynamics, both of which can weigh on growth consistency. The Good Valuation pillar indicates the market may already be pricing in these constraints, which limits downside from valuation compression but does not resolve the underlying growth challenge.
Growth drivers
- Wealth management expansion across existing geographic footprint
- Mortgage servicing income during periods of rate stabilization
- Cross-selling treasury and cash management to commercial clients
Key risks
- Elevated risk pillar signals vulnerability to credit cycle deterioration
- Weak moat limits pricing power in a competitive regional banking market
- Energy and commercial real estate loan concentration in core markets
BOKF vs Peers
BOK Financial competes with other regional and super-regional banks, each with distinct geographic and business-model profiles.
Western Alliance focuses heavily on specialized national business lines and has a stronger growth orientation than BOKF's more diversified regional model.
Cullen/Frost is a Texas-centric bank known for conservative credit culture and deep community banking roots, making it a close geographic peer to BOKF.
Grupo Financiero Galicia operates in Argentina's financial market, representing a very different risk and growth profile compared to BOKF's US regional focus.
Frequently Asked Questions
What does BOK Financial do?
BOK Financial is a regional bank holding company based in Tulsa, Oklahoma. It provides commercial banking, consumer banking, and wealth management services across Oklahoma, Texas, New Mexico, Colorado, Arizona, Arkansas, and Kansas/Missouri. Revenue comes from lending, deposits, mortgage services, fiduciary activities, and securities trading.
Does BOKF pay dividends?
Yes, BOK Financial pays a regular dividend. This is typical for established regional banks that prioritize returning capital to shareholders. Investors should review the current dividend rate and payout history on the company's investor relations page, as amounts can change with board decisions.
When does BOKF report earnings?
BOK Financial follows a standard quarterly earnings reporting schedule. Specific dates are announced in advance by the company. For the most up-to-date earnings calendar, check BOK Financial's investor relations page or a financial data provider you trust.
Is BOKF a good stock to buy?
UQS Score rates BOKF as Below Average overall. While the Quality and Valuation pillars are rated Good, the Moat, Growth, and Risk pillars are all Weak — indicating meaningful challenges. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is BOKF overvalued?
The UQS Valuation pillar for BOKF is rated Good, suggesting the stock is not significantly overpriced relative to its fundamentals. However, valuation alone does not make a complete investment case — the Weak Growth and Risk ratings are important context for any valuation assessment.
How does BOKF compare to its competitors?
Compared to peers like Western Alliance and Cullen/Frost, BOKF offers a broader geographic and business-line mix including wealth management and securities trading. However, its Weak Moat rating suggests it has not established a dominant competitive position relative to these regional rivals. The UQS competitor comparison tool provides a side-by-side pillar view.
What is BOKF's market cap bracket?
BOK Financial is classified as a mid-cap company. This places it in a tier that typically offers more stability than small-cap banks but less liquidity and analyst coverage than large-cap financial institutions.
Who founded BOK Financial?
BOK Financial Corporation was established in 1991. The company grew out of the Bank of Oklahoma franchise. Detailed founding history is publicly available through the company's official website and corporate filings.
Is BOKF a long-term quality investment?
As a long-term quality indicator, BOKF's Below Average UQS Score reflects concerns worth monitoring over time. The Weak Moat and Growth pillars suggest the business may struggle to compound value at above-average rates. The Good Quality pillar provides some reassurance about operational soundness, but long-term investors should weigh all five pillars together.
What is the main competitive advantage of BOK Financial?
BOK Financial's breadth across commercial banking, consumer banking, and wealth management — combined with its TransFund network and municipal securities capabilities — provides some diversification. However, the UQS Moat pillar is rated Weak, indicating these advantages have not translated into a strongly defensible competitive position relative to peers.
What sector does BOKF belong to?
BOK Financial operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit quality trends, and local economic conditions — all of which factor into BOKF's Risk pillar assessment.
Is BOKF a growth stock or value stock?
Based on its UQS profile, BOKF leans toward value territory — the Valuation pillar is rated Good while the Growth pillar is rated Weak. This combination suggests the stock may be reasonably priced, but investors should not expect above-average earnings or revenue growth in the near term.
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Pro Analysis
BOKF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 42.6 | 70.3 | 24.0 | 26.7 | 18.3 | 72.7 | +0.1 |
| May 21, 2026 | 42.5 | 70.3 | 24.0 | 26.7 | 18.3 | 72.6 | -0.3 |
| May 20, 2026 | 42.8 | 70.3 | 24.0 | 26.7 | 18.3 | 74.5 | +0.1 |
| May 19, 2026 | 42.7 | 70.3 | 24.0 | 26.7 | 18.3 | 73.9 | -0.1 |
| May 17, 2026 | 42.8 | 70.3 | 24.0 | 26.7 | 18.3 | 74.1 | -0.1 |
| May 16, 2026 | 42.9 | 70.3 | 24.0 | 26.7 | 18.3 | 74.8 | +0.2 |
| May 15, 2026 | 42.7 | 70.3 | 24.0 | 26.7 | 18.3 | 73.8 | 0.0 |
| May 14, 2026 | 42.7 | 70.3 | 24.0 | 26.7 | 18.3 | 73.9 | +0.1 |
| May 13, 2026 | 42.6 | 70.3 | 24.0 | 26.7 | 18.3 | 73.0 | 0.0 |
| May 12, 2026 | 42.6 | 70.3 | 24.0 | 26.7 | 18.3 | 72.7 | +0.2 |
BOKF — Pillar Breakdown
Quality
— 70.3/100 (25%)BOK Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 26.7/100 (20%)BOK Financial Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 18.3/100 (15%)BOK Financial Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 75.2/100 (15%)BOK Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)BOK Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BOKF.
Score Composition
Financial Data
More Stock Analysis
How is the BOKF UQS Score Calculated?
The UQS (Unified Quality Score) for BOK Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses BOK Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether BOK Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.