BOK Financial Corporation (BOKF) - Stock Analysis
Last updated: Jan 19, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
BOK Financial shows strong Q2 earnings, commercial real estate loan growth, diversified revenue, stable cash flows, and valuation at fair levels alongside steady technical uptrend and upcoming earnings catalyst, positioning it as a near-term hot idea in regional banking.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Moderate ROE ⢠Strong deposits ⢠Rising TBV BOKF posts modest profitability (ROE ~10%) with rising tangible book value, strong deposits and free cash flow but lower YTD earnings and structurally high leverage, while valuation appears undemanding (P/E ~12â14; P/B ~1.1â1.3).
Price Behavior
Key Price Behavior Insights: ⢠Steady uptrend ⢠Solid support ⢠Prior consolidation Support Level: $118â$120 Resistance Level: $121â$123 BOKF shows a sustainable uptrend last month, climbing from about $118.68 to $128.21 with solid support near $118â$120 and room to run before key resistance around $121â$123.
Sentiment & News
Key News Insights: ⢠Strong six-month rally ⢠Upward revisions ⢠Peer competitiveness BOK Financial has outperformed peers with a ~17.9% six-month rally, growing analyst optimism and upward earnings revisions ahead of its Jan 16 Q4 results and a Jan 20 conference call.
AI Summary
BOKF has moved from a recovery story to a balance-sheetâforward, capital-returning regional bank whose re-rating now hinges on sustaining record NII and fee growth while keeping CRE/C&I concentration and deposit repricing under control; investors should only treat recent strength as durable if quarterly NII holds and CRE delinquencies/allowances remain benign. Actionable triggers: confirm NII stability (no NIM compression vs. guidance), monitor CRE exposure trends and allowance coverage (~1.36% baseline), and demand clear, scalable results from the mortgage/warehouse rollout before adding to positions above current consensus targets.
Description
BOK Financial Corporation is the bank holding company for BOKF, NA, operating across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona and Kansas/Missouri. The company reports three principal businessesâcommercial banking (including lending, treasury and cash-management services), consumer banking (retail deposits and mortgage origination/servicing) and wealth management (fiduciary and private bank services, insurance, investment advisory, and trading of mortgage-related securities and municipal underwriting). It also provides commercial and residential real estate lending and digital and ATM banking services, including the TransFund network (2,593 ATM locations as of December 31, 2021); the firm was founded in 1910 and is headquartered in Tulsa, Oklahoma.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Jan 14 | Jan 21 | BOKF | BOK Financial Corporation | BOK Financial shows strong Q2 earnings, commercial real estate loan growth, diversified revenue, stable cash flows, and valuation at fair levels alongside steady technical uptrend and upcoming earnings catalyst, positioning it as a near-term hot idea in regional banking. | Active | +2.5% |