BOK Financial Corporation Common Stock (BOKF)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank first as a conservative lender and only second as a stock. BOK Financial operates in Oklahoma, Texas, New Mexico, Arkansas, Colorado, Arizona, Kansas and Missouri, with commercial, consumer and wealth management segments. That footprint and local deposit relationships give it a modest moat, but banking is competitive, so I want evidence of disciplined underwriting and durable returns. The filed figures show progress: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $176.5 million and diluted EPS was $2.92, up from $140.0 million and $2.19 in fiscal Q2 2025, the quarter ended 2025-06-30. For FY2025, ended 2025-12-31, net income was $578.0 million and diluted EPS was $9.17, versus $523.6 million and $8.14 for FY2024. FairStock calculates a P/E of 11.75 and a P/B of 1.25 at the 2026-10-13 close, with ROE of 10.86%, a 2.02% dividend yield, beta 0.82, PEG 0.45 and Piotroski F-score 6/9. FairStock's Lynch category is SLOW GROWER because profit grew 5.8% a year over five years. That mix says the price is not demanding, but the business is not a bargain if credit turns. A 10.86% ROE is respectable, not exceptional, and the 1.25 P/B means we are paying a modest premium to book. The data lacks CET1, net interest margin and combined ratio, so I cannot verify capital strength or lending spreads. I would want consistent earnings, stable credit, and a wider margin of safety before calling it compelling.

In plain English: BOK Financial is a regional bank that serves businesses, consumers and wealthy clients in several central and southwestern U.S. states. In the quarter ended June 30, 2026, it earned $176.5 million, up from $140.0 million in the quarter ended June 30, 2025, which is a solid improvement. Based on the supplied numbers, the stock looks closer to fairly valued than deeply cheap, and the data does not show key bank safety measures such as capital levels or loan-loss trends.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer