Stocks · Financial Services · Banks - Regional
BOK Financial Corporation BOKF
$128.36 +1.52% Close, Oct 2, 2026 · NASDAQ · Market cap $7.80B
Strong growth
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 3.9× EBITDA, a high level of leverage.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +14.3%).
- Diluted EPS over the last four quarters was $10.65, up 27.5% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth86Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 38%
- EPS growth (TTM, YoY)Top 40%
- FCF growth (TTM, YoY)Top 7%
- Revenue growth, 3-year CAGRTop 37%
- Revenue growth accelerationTop 21%
Quality63Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 48%
- Gross marginTop 49%
- Operating marginTop 46%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 19%
- Net debt / EBITDA (lower is better)Bottom 31%
- Interest coverBottom 37%
Value77Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 33%
- Free-cash-flow yieldTop 8%
- EBITDA / enterprise valueTop 42%
- Sales / enterprise valueBottom 48%
- P/E vs own 5-year history (lower is better)Top 44%
Momentum37Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 32%
- 6-month returnBottom 21%
- 1-year return vs S&P 500Top 37%
- Distance from 52-week highBottom 42%
- Trend checklist (0–4)Bottom 27%
Revisions60Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 18%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyBottom 13%
- Upside to consensus price targetBottom 45%
Stability49Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsTop 42%
- Beta vs S&P 500 (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Bottom 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.1% | 3.4% | ↑ |
| EPS growth (YoY) | 13.8% | 27.5% | ↑ |
| Gross margin | 59.8% | 66.1% | ↑ |
| Operating margin | 20.9% | 23.4% | ↑ |
| FCF margin | 22.5% | 73.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.4% | -0.1% | ↑ | Bottom 38% |
| EPS growth (TTM, YoY) | 27.5% | 13.8% | ↑ | Top 40% |
| Gross margin | 66.1% | 59.8% | ↑ | Top 49% |
| Operating margin | 23.4% | 20.9% | ↑ | Top 46% |
| Net margin | 19.2% | 16.3% | ↑ | — |
| Free-cash-flow margin | 73.9% | 22.5% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 48% | |
| Revenue growth, 3-year CAGR | 18.5% | — | Top 37% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -25.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.94×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.93%
- Net buyback yield (TTM)
- 4.59%
- Shareholder yield
- 6.52%
- Share count change, 1 year
- -5.3%
- Share count change, 3-year CAGR
- -3.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +14.3%
- Average 2-day reaction, last 8
- +0.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $146.40
- Target vs current price
- +14.1%
- Analysts with a rating
- 21
- Share rating Buy or Strong Buy
- 19%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +9.0% | -0.5% | +0.7% | +3.4% | — |
| Apr 20, 2026 | +12.2% | -0.7% | -4.0% | -8.5% | +0.9% |
| Jan 20, 2026 | +33.8% | +1.2% | +1.8% | +4.2% | +5.3% |
| Oct 20, 2025 | +2.3% | +2.0% | -1.4% | -0.2% | +16.1% |
| Jul 21, 2025 | +10.6% | +1.2% | -0.1% | -1.1% | +5.4% |
| Apr 21, 2025 | -6.5% | -1.7% | +0.9% | +7.0% | +10.9% |
| Jan 17, 2025 | +7.6% | +1.7% | -1.1% | -0.5% | -20.0% |
| Oct 21, 2024 | +10.1% | -3.1% | -7.1% | +0.8% | -2.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $2.92 | $2.68 | +9.0% | $553.8M |
| Apr 20, 2026 | $2.58 | $2.30 | +12.2% | $552.3M |
| Jan 20, 2026 | $2.89 | $2.16 | +33.8% | $560.1M |
| Oct 20, 2025 | $2.22 | $2.17 | +2.3% | $537.7M |
| Jul 21, 2025 | $2.19 | $1.98 | +10.6% | $528.6M |
| Apr 21, 2025 | $1.86 | $1.99 | -6.5% | $495.3M |
| Jan 17, 2025 | $2.12 | $1.97 | +7.6% | $432.7M |
| Oct 21, 2024 | $2.18 | $1.98 | +10.1% | $507.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.1× | 12.4× | 48th | Top 33% |
| P/E (forward) | 12.1× | — | — | — |
| EV / EBITDA | 12.8× | — | — | Top 42% |
| EV / Sales | 3.32× | — | — | Bottom 48% |
| Free-cash-flow yield | 32.10% | — | — | Top 8% |
| Earnings yield | 8.30% | — | — | Top 33% |
P/E over the past five years
Range 7.1× – 15.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +15.3%
- Earnings per share growth (TTM)
- +27.5%
- Change in P/E multiple
- +9.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.1%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- -6.8%
- Distance from 200-day average
- -3.0%
- RSI (14)
- 33.8
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.0%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.83
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -12.1%
- Maximum drawdown, 3 years
- -26.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Oct 25, 2023 | -45.0% | 446 days | 260 days (Nov 6, 2024) |
| Nov 25, 2024 | Apr 11, 2025 | -26.6% | 93 days | 168 days (Dec 11, 2025) |
| Mar 12, 2021 | Jul 19, 2021 | -19.9% | 88 days | 66 days (Oct 20, 2021) |
| Aug 14, 2026 | Sep 30, 2026 | -13.5% | 32 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $7.80B
- P/E (TTM)
- 12.1
- EPS, diluted (TTM)
- $10.65
- Revenue (TTM)
- $3.39B
- Dividend yield
- 1.96%
- 52-week range
- $102.72 – $146.84
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.83B | $2.00B | $3.05B | $3.36B | $3.33B |
| Gross profit | $1.87B | $1.79B | $1.93B | $1.92B | $2.12B |
| Operating income | $796.1M | $660.2M | $683.2M | $666.6M | $711.2M |
| Net income | $618.1M | $520.3M | $530.7M | $523.6M | $578.0M |
| EPS (diluted) | $8.95 | $7.68 | $8.02 | $8.14 | $9.18 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $879.4M | $758.8M | $797.6M | $842.8M | $844.5M | $840.7M | $827.2M | $876.7M |
| Net income | $140.0M | $136.2M | $119.8M | $140.0M | $140.9M | $177.3M | $155.8M | $176.5M |
| EPS (diluted) | $2.18 | $2.12 | $1.86 | $2.19 | $2.22 | $2.91 | $2.58 | $2.94 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$3.69B | $5.12B | $66.2M | $1.43B | $739.6M |
| Capital expenditure | -$204.3M | -$215.0M | -$165.9M | -$171.6M | $0 |
| Free cash flow | -$3.90B | $4.91B | -$99.7M | $1.26B | $739.6M |
| Dividends paid | -$144.1M | -$143.8M | -$143.4M | -$143.0M | -$147.5M |
| Net share buybacks | -$122.8M | -$159.8M | -$181.8M | -$93.6M | -$419.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $8.36B
- Total assets
- $53.18B
- Total liabilities
- $47.09B
- Total debt
- $4.97B
- Net debt
- $3.45B
- Shareholders’ equity
- $6.08B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 19, 2026 | $0.63 | Sep 2, 2026 |
| May 13, 2026 | $0.63 | May 27, 2026 |
| Feb 19, 2026 | $0.63 | Mar 5, 2026 |
| Nov 12, 2025 | $0.63 | Nov 26, 2025 |
| Aug 13, 2025 | $0.57 | Aug 27, 2025 |
| May 15, 2025 | $0.57 | May 28, 2025 |
| Feb 12, 2025 | $0.57 | Feb 26, 2025 |
| Nov 15, 2024 | $0.57 | Nov 27, 2024 |
Short interest
- Shares sold short
- 2,318,564
- Days to cover
- 8.94
- Change vs previous report
- +12.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 6, 2004
- 103-for-100
- May 8, 2003
- 103-for-100
- May 9, 2002
- 103-for-100
- May 3, 2001
- 103-for-100
- Oct 6, 1999
- 103-for-100