BOK Financial Corporation

BOKF

Banks - Regional · Financial Services

Price

$140.47

+0.63 (+0.45%)

Market Cap

$8.53B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Mixed

Growth

Strong

Capital Strength

Strong

Asset Quality

Exceptional

Valuation

Good

Dividends

Mixed

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Share count falling — buybacks

−11.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 68.6M (2021) → 60.9M (2025)

Winston Score History

The full picture

BOK Financial Corporation is a regional bank headquartered in Tulsa, Oklahoma. It offers everyday banking services like checking accounts, loans, and mortgages, as well as wealth management, investment services, and energy lending. The company serves individuals, businesses, and institutions primarily across the south-central United States, including Oklahoma, Texas, Colorado, Arizona, and several neighboring states.

BOK Financial makes money through interest income on loans and deposits, plus fees from services like brokerage, trust management, and mortgage banking. It operates roughly 100 branches and manages around $50 billion in assets, making it one of the larger regional banks in its region. The company has a notable concentration in energy-sector lending, which gives it specialized expertise but also ties its loan portfolio closely to oil and gas prices — meaning a prolonged downturn in energy markets remains one of its most significant risks.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+34.2% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

69.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$49.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

BOK Financial Corporation is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money

Return on Equity

11.0%

no trend

Solid — 11.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

2.89%

no trend

Modest — 2.89% net interest margin

Cost of running the bank

Efficiency Ratio

61.6%

no trend

Average — 61.6% efficiency ratio

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Growth

Sales growth

Sales YoY

+3.4%

Slow sales growth (+3.4% YoY)

Profit growth

EPS YoY

+27.5%

Earnings growing fast (+27.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion

Capital Ratio

11.9%

no trend

Well capitalised — 11.9% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.55%

no trend

Clean loan book — 0.55% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off

Net Charge-Offs

0.03%

no trend

Minimal losses — 0.03% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

13.2x

Attractive valuation — P/E 13.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.1

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

1.74%

Small dividend — 1.74% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+8.8%

Dividend growing modestly (8.8% YoY)

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