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Upturn AI SWOT - About
BOKF 
BOK Financial Corporation (BOKF)
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Upturn Advisory Summary
04/01/2025: BOKF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.19% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.63B USD | Price to earnings Ratio 12.66 | 1Y Target Price 122.3 |
Price to earnings Ratio 12.66 | 1Y Target Price 122.3 | ||
Volume (30-day avg) 132621 | Beta 1.2 | 52 Weeks Range 83.21 - 120.97 | Updated Date 04/1/2025 |
52 Weeks Range 83.21 - 120.97 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.19% | Basic EPS (TTM) 8.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.76% | Operating Margin (TTM) 35.26% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 9.79% |
Valuation
Trailing PE 12.66 | Forward PE 11.78 | Enterprise Value 5055573504 | Price to Sales(TTM) 3.26 |
Enterprise Value 5055573504 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA - | Shares Outstanding 64271700 | Shares Floating 22161845 |
Shares Outstanding 64271700 | Shares Floating 22161845 | ||
Percent Insiders 60.11 | Percent Institutions 34.57 |
Analyst Ratings
Rating 3.56 | Target Price 122.44 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BOK Financial Corporation
Company Overview
History and Background
BOK Financial Corporation was founded in 1910 in Tulsa, Oklahoma. Originally named the Exchange National Bank, it has grown through acquisitions and organic expansion to become a regional financial services company.
Core Business Areas
- Commercial Banking: Provides lending, treasury, and other financial services to businesses of various sizes.
- Consumer Banking: Offers retail banking products and services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust, and private banking services to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgages.
- Brokerage: Executes securities trades for clients.
Leadership and Structure
Stacy Kymes is the current CEO. The company operates with a traditional hierarchical structure, with various divisions reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial lending is a core offering. The competitive landscape includes national banks like JPMorgan Chase and Bank of America and regional players. No precise market share data is available.
- Treasury Services: Provides cash management and payment solutions. Competitors include Wells Fargo and U.S. Bank. No precise market share data is available.
- Wealth Management Services: Investment management, trust services, and financial planning for high-net-worth individuals. Competitors are large investment firms like Goldman Sachs and Morgan Stanley. No precise market share data is available.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
BOK Financial is a regional bank with a strong presence in the Southwest. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Southwest US is estimated to be in the hundreds of billions of dollars. BOK Financial captures a portion of this market, but precise figures are unavailable.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on regional economy
- Higher operating costs compared to some competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing wealth management business
- Acquisitions of smaller banks
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
BOK Financial competes with larger national banks and regional banks. Its advantages include its local market knowledge and customer relationships, while its disadvantages include its limited geographic reach.
Major Acquisitions
Cavanal Hill Investment Management
- Year: 2005
- Acquisition Price (USD millions): 250
- Strategic Rationale: Expanded wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions. The specific growth rates can be obtained from historical financial reports.
Future Projections: Future growth projections require access to analyst reports and updated financial data which are not included.
Recent Initiatives: Recent initiatives have focused on expanding digital banking capabilities and growing the wealth management business.
Summary
BOK Financial is a regional bank with a solid presence in the Southwest. Its diversified revenue streams and experienced management team are working well, but it faces competition from larger national banks and fintech companies. Expanding digital banking and growing the wealth management business are key to its future growth. Regulatory changes and economic downturns need to be watched out for.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
KEY
KeyCorp
KEY
KeyCorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (where available)
- Market Data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The information provided is based on publicly available data and may not be completely accurate or up-to-date.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BOK Financial Corporation
Exchange NASDAQ | Headquaters Tulsa, OK, United States | ||
IPO Launch date 1991-09-05 | CEO, President & Director Mr. Stacy C. Kymes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5056 | Website https://investor.bokf.com |
Full time employees 5056 | Website https://investor.bokf.com | ||
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 engages in the provision of retail lending and deposit services to small business customers through retail branch network; and 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 improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
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