US · BOKF
BOK Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Tulsa, OK 74172
- Website
- investor.bokf.com
Price · as of 2025-12-31
$133.51
Market cap 7.95B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $97.94 | -26.64% |
| Intrinsic Value(DCF) | $115.82 | -13.25% |
| Graham-Dodd Method(GD) | $91.13 | -31.74% |
| Graham Formula(GF) | $68.07 | -49.02% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $37.98 | $33.84 | $61.92 | $39.80 | $27.83 |
| 2012 | $43.72 | $38.57 | $136.01 | $27.29 | $79.91 |
| 2013 | $49.36 | $34.00 | $130.71 | $39.31 | $15.59 |
| 2014 | $45.91 | $33.92 | $115.05 | $39.79 | $31.49 |
| 2015 | $44.83 | $131.21 | $91.02 | $37.85 | $54.31 |
| 2016 | $64.77 | $52.89 | $73.51 | $35.15 | $42.74 |
| 2017 | $81.77 | $80.80 | $68.49 | $46.03 | $97.39 |
| 2018 | $71.93 | $70.97 | $65.06 | $55.58 | $133.71 |
| 2019 | $55.80 | $49.40 | $61.10 | $58.75 | $194.20 |
| 2020 | $86.62 | $49.09 | $128.40 | $60.52 | $18.47 |
| 2021 | $91.46 | $41.02 | $183.71 | $76.51 | $0.00 |
| 2022 | $87.92 | $109.19 | $140.54 | $60.74 | $132.53 |
| 2023 | $83.47 | $74.02 | $151.59 | $70.07 | $470.92 |
| 2024 | $100.23 | $42.58 | $358.88 | $78.07 | $148.49 |
| 2025 | $128.50 | $97.94 | $125.66 | $91.13 | $68.07 |
AI valuation
Our deep-learning model estimates BOK Financial Corporation's (BOKF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $97.94
- Current price
- $133.51
- AI upside
- -26.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$115.82
-13.25% upside
Graham-Dodd
$91.13
-31.74% upside
Graham Formula
$68.07
-49.02% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BOKF | BOK Financial Corporation | $133.51 | 7.95B | -27% | -13% | -32% | -49% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| BANF | BancFirst Corporation | $110.00 | 3.69B | +2% | +25% | +97% | — | 15.70 | 0.63 | 4.58 | -1.64 | 148.67 | 0.63 | 82.91% | 36.80% | 29.19% | 6.28% | -107.56% | 1.70% | 0.00 | 0.98 | 324.49 | 324.49 | -13.23 | 1056.00% | -929.00% | 2705.00% | 7.55% | 21.41 | -128.26% | 0.00% | 0.00% | 22.33% | -1.76 | -1.87 | -0.65 | 0.74 |
| CBSH | Commerce Bancshares, Inc. | $50.99 | 7.51B | -38% | +5% | -40% | -18% | 12.59 | 1.90 | 3.36 | 0.38 | 232.07 | 1.98 | 80.00% | 34.20% | 26.46% | 16.07% | -12.17% | 1.76% | 0.79 | 1.97 | — | — | 2.86 | 543.00% | 223.00% | 1141.00% | 8.24% | — | -12.63% | 2.09% | 26.30% | 4.98% | 0.40 | 0.49 | 0.14 | 0.65 |
| CBU | Community Bank System, In… | $60.55 | 3.19B | -56% | -32% | -53% | -57% | 16.24 | 1.70 | 3.68 | 12.95 | 103.47 | 3.21 | 73.43% | 31.40% | 22.66% | 11.17% | 9.01% | 1.25% | 0.34 | 1.51 | 0.08 | 0.00 | 2.17 | 1570.00% | -128.00% | 3623.00% | 8.83% | 0.08 | 12.20% | 2.85% | 46.40% | 6.60% | 14.09 | 13.61 | 4.42 | -0.01 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| EQBK | Equity Bancshares, Inc. | $44.88 | 856.15M | +122% | +312% | +5% | +360% | 9.78 | 1.03 | 1.88 | -2.95 | 1.40 | 1.17 | 66.66% | 23.97% | 19.18% | 11.98% | -17.14% | 1.21% | 0.53 | 0.71 | 0.28 | 0.28 | -0.80 | 70000.00% | 4533.00% | 822.00% | 10.67% | 0.02 | -17.89% | 1.29% | 12.60% | 17.58% | -3.34 | -4.00 | -0.80 | -0.48 |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| FFIN | First Financial Bankshare… | $30.93 | 4.43B | +97% | -7% | -71% | +11% | 17.42 | 2.30 | 5.35 | 10.51 | 129.41 | 2.75 | 71.82% | 37.49% | 30.71% | 14.39% | 31.46% | 1.72% | 0.01 | 1.54 | 0.68 | 0.67 | -3.30 | 1346.00% | 1171.00% | -236.00% | 6.47% | 0.02 | 35.48% | 2.40% | 41.80% | 13.49% | 10.86 | 11.75 | 4.07 | 0.11 |
| FGBI | First Guaranty Bancshares… | $8.81 | 139.14M | +779% | -54% | — | +400% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| FNWD | Finward Bancorp | $37.36 | 161.66M | +151% | +41% | -1% | +77% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $15.44 | 279.08M | +354% | -1% | +30% | +35% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| GBCI | Glacier Bancorp, Inc. | $45.49 | 5.91B | -40% | -60% | -73% | -11% | 24.94 | 1.41 | 4.18 | 12.41 | 135.18 | 2.18 | 68.96% | 22.86% | 16.77% | 6.43% | 10.23% | 0.80% | 0.69 | 0.80 | 307.57 | 307.57 | 7.06 | 1845.00% | 1448.00% | 6569.00% | 5.83% | 4.58 | 13.25% | 2.73% | 68.10% | 8.93% | 13.90 | 13.04 | 3.18 | 1.20 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| PB | Prosperity Bancshares, In… | $70.37 | 6.86B | -39% | +3% | +3% | -35% | 12.35 | 0.88 | 3.86 | -2.16 | 93.07 | 1.65 | 71.88% | 39.90% | 31.23% | 7.21% | -36.05% | 1.39% | 0.28 | 1.42 | 0.81 | 5.02 | 2.17 | 1327.00% | -23.00% | 2169.00% | 8.20% | 0.26 | -36.49% | 0.00% | 0.00% | 0.00% | -2.65 | -3.34 | -1.06 | 0.36 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
| UMBF | UMB Financial Corporation | $115.88 | 8.8B | -15% | +12,140% | +6% | +489% | 12.72 | 1.16 | 2.01 | 11.11 | 816.59 | 1.66 | 54.41% | 20.25% | 15.81% | 12.59% | 216.32% | 1.14% | 0.49 | 0.60 | 0.01 | 0.01 | 2.69 | 156.00% | 6852.00% | -1165.00% | 1.99% | 0.00 | 53.19% | 0.00% | 0.00% | 0.00% | 13.09 | 66.30 | 2.65 | -0.80 |
About BOK Financial Corporation
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.
- CEO
- Stacy C. Kymes
- Employees
- 5.03K
- Beta
- 0.87
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($115.82 ÷ $133.51) − 1 = -13.25% (DCF, example).