Market Summary
USD84.71+3.17
Market Closed3.89%
BOKF Stock Price
BOKF RSI Chart
BOKF Valuation
BOKF Price/Sales (Trailing)
BOKF Profitability
BOKF Fundamentals
BOKF Revenue
BOKF Earnings
Price Action
52 Week Range
69.46110.28
(Low)(High)
Last 7 days
-7.1%
Last 30 days
-17.6%
Last 90 days
-17.6%
Trailing 12 Months
-11.3%
BOKF Financial Health
BOKF Investor Care
Peers (Alternatives to BOK Financial)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
JPM | 369.9B | 128.7B | -9.85% | -8.96% | 9.82 | 2.87 | 5.79% | -22.05% |
BAC | 217.0B | 95.0B | -20.85% | -35.83% | 7.88 | 2.29 | 6.55% | -13.92% |
WFC | 137.5B | 54.0B | -21.26% | -28.08% | 10.43 | 2.55 | 36.10% | -38.82% |
USB | 52.4B | 17.9B | -26.59% | -35.86% | 8.99 | 2.92 | 33.05% | -26.85% |
PNC | 50.9B | 21.1B | -20.57% | -33.97% | 8.33 | 2.41 | 9.94% | 6.78% |
FHN | 9.0B | 2.7B | -32.58% | -27.06% | 9.98 | 3.35 | 24.33% | -9.91% |
| MID-CAP | ||||||||
BOKF | 6.5B | 1.4B | -17.57% | -11.29% | 12.44 | 4.65 | 17.98% | -15.83% |
CFR | 6.4B | 1.5B | -21.33% | -29.27% | 11.11 | 4.36 | 46.29% | 30.71% |
ZION | 4.2B | 2.7B | -42.72% | -57.89% | 4.63 | 1.55 | 19.32% | -19.66% |
PNFP | 4.1B | 1.4B | -26.94% | -42.41% | 7.4 | 3.02 | 33.23% | 6.34% |
| SMALL-CAP | ||||||||
PRK | 2.0B | 378.2M | -3.47% | -4.03% | 13.45 | 5.28 | 19.24% | -3.63% |
TRMK | 1.5B | 541.8M | -14.93% | -16.80% | 21.46 | 2.85 | 22.45% | -51.22% |
WABC | 1.2B | 221.8M | -17.39% | -21.75% | 10.21 | 5.62 | 27.86% | 41.07% |
HOPE | 1.2B | 716.1M | -20.51% | -35.13% | 5.6 | 1.71 | 26.40% | 6.70% |
Financials for BOK Financial
| Income Statement (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 12.9% | 1,392 | 1,233 | 1,163 | 1,165 | 1,180 |
| EBITDA | 3.6% | 1,904 | 1,838 | 1,846 | 1,898 | - |
| EBITDA Margin | -8.3% | 1.37* | 1.49* | 1.59* | 1.63* | - |
| Earnings Before Taxes | 10.8% | 660 | 596 | 641 | 688 | 796 |
| EBT Margin | -1.9% | 0.47* | 0.48* | 0.55* | 0.59* | - |
| Interest Expenses | 3.3% | 1,136 | 1,100 | 1,106 | 1,118 | - |
| Net Income | 10.9% | 520 | 469 | 501 | 535 | 618 |
| Net Income Margin | -1.8% | 0.37* | 0.38* | 0.43* | 0.46* | - |
| Free Cahsflow | 37.2% | 5,122 | 3,735 | 3,230 | 460 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 9.5% | 47,791 | 43,645 | 45,377 | 46,827 | 50,249 |
| Cash Equivalents | -12.9% | 1,402 | 1,609 | 2,037 | 1,368 | 2,837 |
| Net PPE | -0.7% | 565 | 569 | 574 | 575 | 574 |
| Goodwill | 0% | 1,045 | 1,045 | 1,045 | 1,045 | 1,045 |
| Liabilities | 10.2% | 43,103 | 39,131 | 40,636 | 41,973 | 44,881 |
| Shareholder's Equity | 3.9% | 4,687 | 4,510 | 4,742 | 4,854 | 5,364 |
| Retained Earnings | 2.8% | 4,824 | 4,692 | 4,571 | 4,474 | 4,448 |
| Additional Paid-In Capital | 0.4% | 1,390 | 1,385 | 1,382 | 1,382 | 1,379 |
| Shares Outstanding | 0.0% | 76.00 | 76.00 | 76.00 | 76.00 | 76.00 |
| Minority Interest | 7.7% | 5.00 | 4.00 | 4.00 | 4.00 | 5.00 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | 37.2% | 5,122 | 3,735 | 3,230 | 460 | -3,692 |
| Share Based Compensation | 7.8% | 12.00 | 11.00 | 9.00 | 10.00 | 10.00 |
| Cashflow From Investing | -146.1% | -4,603 | -1,870 | 249 | 1,721 | 2,603 |
| Cashflow From Financing | 9.0% | -1,954 | -2,146 | -2,701 | -2,232 | 2,747 |
| Dividend Payments | -0.2% | 144 | 144 | 144 | 144 | 144 |
| Buy Backs | 14.0% | 155 | 136 | 127 | 146 | 118 |
Risks for BOKF
What is the probability of a big loss on BOKF?
63.9%
Probability that BOK Financial stock will be more than 20% underwater in next one year
46.5%
Probability that BOK Financial stock will be more than 30% underwater in next one year.
19.6%
Probability that BOK Financial stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does BOKF drawdown profile look like?
Y-axis is the maximum loss one would have experienced if BOK Financial was unfortunately bought at previous high price.
Drawdowns
Returns for BOKF
Cumulative Returns on BOKF
5.6%
10-Year Cumulative Returns
8.4%
7-Year Cumulative Returns
-0.1%
5-Year Cumulative Returns
30.2%
3-Year Cumulative Returns
What are the long-term rolling returns for BOKF?
FIve years rolling returns for BOK Financial.
Annualized Returns
Which funds bought or sold BOKF recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | reduced | -0.03 | 49,441 | 343,441 | -% |
2023-03-06 | Rockefeller Capital Management L.P. | added | 8.91 | 27,000 | 126,000 | -% |
2023-02-28 | Voya Investment Management LLC | reduced | -0.87 | 53,316 | 389,316 | -% |
2023-02-21 | MACQUARIE GROUP LTD | sold off | - | -52,000 | - | -% |
2023-02-17 | Coppell Advisory Solutions Corp. | new | - | 43,488 | 43,488 | 0.01% |
2023-02-15 | ALLIANCEBERNSTEIN L.P. | added | 20.3 | 343,330 | 1,189,330 | -% |
2023-02-15 | MetLife Investment Management, LLC | reduced | -0.66 | 8,274 | 62,274 | -% |
2023-02-15 | Steward Partners Investment Advisory, LLC | sold off | -100 | -68,000 | - | -% |
2023-02-15 | Virtu Financial LLC | new | - | 237,000 | 237,000 | 0.03% |
2023-02-15 | Probity Advisors, Inc. | reduced | -2.73 | 151,615 | 1,265,620 | 0.29% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
BOK Financial News
BOKF Fair Value
BOK Financial fair value in different scenarios
The table shows the Fair Value estimates for BOK Financial for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
| Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
|---|---|---|---|---|---|
| Very Low Inflation | 42.28 -50.09% | 68.52 -19.11% | 127.31 50.29% | 196.24 131.66% | 244.23 188.31% |
| Current Inflation | 38.45 -54.61% | 61.27 -27.67% | 111.28 31.37% | 169.35 99.92% | 209.81 147.68% |
| Very High Inflation | 33.63 -60.30% | 52.43 -38.11% | 92.38 9.05% | 138.20 63.14% | 170.17 100.89% |
Historical BOK Financial Fair Value Estimates
Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price
Recent SEC filings of BOK Financial
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Mar 23, 2023 | DEF 14A | DEF 14A | |
| Mar 17, 2023 | 4 | Insider Trading | |
| Mar 17, 2023 | 4 | Insider Trading | |
| Mar 09, 2023 | 3 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading |
Latest Insider Trading transactions for BOKF
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-03-15 | LYBARGER STANLEY A | bought | 250,726 | 85.281 | 2,940 | - |
2023-03-15 | ARMSTRONG ALAN S | bought | 130,602 | 87.0679 | 1,500 | - |
2023-03-01 | Wade Mark B. | acquired | - | - | 3,869 | evp, texas market executive |
2023-03-01 | Maun Marc | acquired | - | - | 6,292 | evp - regional banking |
2023-03-01 | KYMES STACY | acquired | - | - | 23,511 | president & ceo |
2023-03-01 | Grunst Martin E | acquired | - | - | 5,643 | evp, chief risk officer |
2023-03-01 | Vincent Brad A | acquired | - | - | 5,032 | evp - specialized industries |
2023-03-01 | NELL STEVEN E | acquired | - | - | 6,366 | evp, cfo |
2023-03-01 | Martin Derek | acquired | - | - | 3,517 | evp, chief information officer |
2023-03-01 | Keesling Rebecca D | acquired | - | - | 1,429 | evp, chief auditor |
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 provides lending and deposit services to small business customers through consumer branch network; and engages in the 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, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
BOKF Income Statement
2022-12-31Consolidated Statements of Earnings - USD ($) $ in Thousands | 12 Months Ended | ||
|---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |
| Interest and dividend revenue [Abstract] | |||
| Loans | $ 976,653 | $ 769,357 | $ 889,507 |
| Residential mortgage loans held for sale | 6,027 | 5,465 | 6,397 |
| Trading securities | 115,048 | 155,989 | 67,689 |
| Investment securities | 24,072 | 10,430 | 11,943 |
| Available for sale securities | 248,323 | 230,383 | 261,196 |
| Fair value option securities | 2,145 | 1,542 | 18,475 |
| Restricted equity securities | 8,282 | 5,703 | 10,963 |
| Interest-bearing cash and cash equivalents | 11,552 | 1,060 | 2,830 |
| Total interest revenue | 1,392,102 | 1,179,929 | 1,269,000 |
| Interest Expense [Abstract] | |||
| Deposits | 121,749 | 33,484 | 89,996 |
| Borrowed funds | 52,483 | 17,877 | 56,616 |
| Subordinated debentures | 6,490 | 10,535 | 13,944 |
| Total interest expense | 180,722 | 61,896 | 160,556 |
| Net interest and dividend revenue | 1,211,380 | 1,118,033 | 1,108,444 |
| Provision for credit losses | 30,000 | (100,000) | 222,592 |
| Net interest and dividend revenue after provision for credit losses | 1,181,380 | 1,218,033 | 885,852 |
| Total fees and commissions | 657,213 | 668,309 | 810,320 |
| Other gains, net | 123 | 63,742 | 6,046 |
| Gain (loss) on derivatives, net | (73,011) | (19,378) | 42,320 |
| Gain (loss) on fair value option securities, net | (20,358) | (2,239) | 53,248 |
| Change in fair value of mortgage servicing rights | 80,261 | 41,637 | (79,524) |
| Gain (loss) on available for sale securities, net | (971) | 3,704 | 9,910 |
| Total other operating revenue | 643,257 | 755,775 | 842,320 |
| Other operating expense [Abstract] | |||
| Personnel | 670,918 | 695,382 | 688,474 |
| Business promotion | 26,435 | 16,289 | 14,511 |
| Charitable contributions to BOKF Foundation | 2,500 | 9,000 | 9,000 |
| Professional fees and services | 56,342 | 50,906 | 53,437 |
| Net occupancy and equipment | 116,867 | 108,587 | 112,722 |
| Insurance | 17,994 | 15,881 | 19,990 |
| Data processing and communications | 165,907 | 151,614 | 135,497 |
| Printing, postage and supplies | 15,857 | 14,218 | 15,061 |
| Amortization of intangible assets | 15,692 | 18,311 | 20,443 |
| Mortgage banking costs | 35,834 | 42,698 | 56,711 |
| Other expense | 40,134 | 54,822 | 38,462 |
| Total other operating expense | 1,164,480 | 1,177,708 | 1,164,308 |
| Net income before taxes | 660,157 | 796,100 | 563,864 |
| Federal and state income taxes | 139,864 | 179,775 | 128,793 |
| Net income | 520,293 | 616,325 | 435,071 |
| Net income (loss) attributable to Non-controlling interests | 20 | (1,796) | 41 |
| Net income attributable to BOK Financial Corporation shareholders | $ 520,273 | $ 618,121 | $ 435,030 |
| Earnings per share: [Abstract] | |||
| Basic (in dollars per share) | $ 7.68 | $ 8.95 | $ 6.19 |
| Diluted (in dollars per share) | $ 7.68 | $ 8.95 | $ 6.19 |
| Average shares used in computation: [Abstract] | |||
| Basic (in shares) | 67,212,728 | 68,591,920 | 69,840,977 |
| Diluted (in shares) | 67,212,735 | 68,594,322 | 69,844,172 |
| Dividends declared per share (in dollars per share) | $ 2.13 | $ 2.09 | $ 2.05 |
| Brokerage and trading revenue [Member] | |||
| Total fees and commissions | $ 140,978 | $ 112,989 | $ 221,833 |
| Transaction card revenue [Member] | |||
| Total fees and commissions | 104,266 | 96,983 | 90,182 |
| Fiduciary and asset management revenue [Member] | |||
| Total fees and commissions | 196,326 | 178,274 | 167,445 |
| Deposit service charges and fees [Member] | |||
| Total fees and commissions | 110,636 | 104,217 | 96,805 |
| Mortgage banking revenue [Member] | |||
| Total fees and commissions | 49,365 | 105,896 | 182,360 |
| Other revenue [Member] | |||
| Total fees and commissions | $ 55,642 | $ 69,950 | $ 51,695 |
BOKF Balance Sheet
2022-12-31Consolidated Balance Sheets - USD ($) $ in Thousands | Dec. 31, 2022 | Dec. 31, 2021 |
|---|---|---|
| Assets [Abstract] | ||
| Cash and due from banks | $ 943,810 | $ 712,067 |
| Interest-bearing cash and cash equivalents | 457,906 | 2,125,343 |
| Trading securities | 4,464,161 | 9,136,813 |
| Investment securities | 2,513,687 | 210,444 |
| Available for sale securities | 11,493,860 | 13,157,817 |
| Fair value option securities | 296,590 | 43,770 |
| Restricted equity securities | 299,651 | 83,113 |
| Residential mortgage loans held for sale | 75,272 | 192,295 |
| Loans | 22,557,150 | 20,205,680 |
| Allowance for loan losses | (235,704) | (256,421) |
| Loans, net of allowance | 22,321,446 | 19,949,259 |
| Premises and equipment, net | 565,175 | 574,148 |
| Receivables | 273,815 | 223,021 |
| Goodwill | 1,044,749 | 1,044,749 |
| Intangible assets, net | 76,131 | 91,778 |
| Mortgage servicing rights | 277,608 | 163,198 |
| Real estate and other repossessed assets, net of allowance | 14,304 | 24,589 |
| Derivative contracts, net | 880,343 | 1,097,297 |
| Cash surrender value of bank-owned life insurance | 406,751 | 405,607 |
| Receivable on unsettled securities sales | 31,004 | 56,172 |
| Other assets | 1,354,379 | 957,951 |
| Total assets | 47,790,642 | 50,249,431 |
| Deposits [Abstract] | ||
| Noninterest-bearing demand deposits | 13,395,337 | 15,344,423 |
| Interest-bearing Deposit Liabilities [Abstract] | ||
| Transaction | 18,659,115 | 23,268,573 |
| Savings | 964,411 | 924,735 |
| Time | 1,461,842 | 1,704,328 |
| Total deposits | 34,480,705 | 41,242,059 |
| Funds purchased and repurchase agreements | 2,270,377 | 2,326,449 |
| Other borrowings | 4,736,908 | 36,753 |
| Subordinated debentures | 131,205 | 131,226 |
| Accrued interest, taxes and expense | 296,870 | 273,041 |
| Derivative contracts, net | 554,900 | 275,625 |
| Due on unsettled securities purchases | 147,470 | 160,686 |
| Other liabilities | 484,849 | 435,221 |
| Total liabilities | 43,103,284 | 44,881,060 |
| Shareholders' equity: [Abstract] | ||
| Common stock | 5 | 5 |
| Capital surplus | 1,390,395 | 1,378,794 |
| Retained earnings | 4,824,164 | 4,447,691 |
| Treasury stock | (694,960) | (535,129) |
| Accumulated other comprehensive income (loss) | (836,955) | 72,371 |
| Total shareholders’ equity | 4,682,649 | 5,363,732 |
| Non-controlling interests | 4,709 | 4,639 |
| Total equity | 4,687,358 | 5,368,371 |
| Total liabilities and equity | $ 47,790,642 | $ 50,249,431 |