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Stock Ratings / Financials / BOKF / financials
CBSH (69) VLY (59) WAL (38) CBC (65) ⌘ Pro Terminal β†’

BOK Financial Corporation (BOKF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$132.51 +1.76% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $132.68

BOK Financial Corporation (BOKF) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $8.05B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BOKF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, BOK Financial Corporation (NASDAQ: BOKF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $132.51 (+1.76% 1D, market cap $8.05B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, BOKF ranks #503 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BOKF compare to CBSH and VLY in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), BOKF carries a Roarable D+ (56/100 RQD), trailing P/E of 13.9x, gross margin of β€”, and ROIC of 2.9%. By comparison, CBSH (Commerce Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 14.1x, ROIC 4.5%, cap $8.00B) and VLY (Valley National Bancorp) posts a C- grade (59/100 RQD, P/E 13.2x, ROIC 2.4%, cap $7.94B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBSH leads on capital efficiency (4.5% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BOKF?
β–Ό

Per BOKF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000875357), BOK Financial Corporation generated $1.91B in revenue (+10.4% YoY), $578.0M in net income, and $739.6M in free cash flow against $52.24B in total assets and $20.84B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $132.68 (+0.13%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 38.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY β€’ 51.8% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510056
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk D+
Cash (9)Whales (9)SEC (15)Macro (8)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE-0.9% Base Target
$155 Bull$131 Base$102 Bear
πŸ“¬ FREE BOKF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BOKF)Realized 20D OHLCV Swing Band: Β±4%
Deterministic 5-Pillar Attribution (56/100 Composite)
πŸ” WHY BOKF SCORES 56/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 7/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (57.9) create a -12 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
48
Grade D$125.00+3.3% Next Q
Q2 (-2Q)
51
Grade C-$129.09+2.5% Next Q
Q3 (-1Q)
53
Grade C-$132.37+0.1% Next Q
Current
56
Grade D+$132.51-0.4% Hist 90D Ξ±
Trajectory: D (48) β†’ D+ (56)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BOKF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 56/100 (D+) score, BOKF faces multiple-compression risk if 13.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) β€” any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($130.69) or 200D SMA ($133.02) invalidates the momentum regime and cuts Target Base ($131.32) toward Bear Floor ($102.43).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BOKFβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBOKF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 56%NO 44%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How BOKF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$739.6M (38.7% FCF Margin)
Revenue$1.91BGross Profit $0 (0%)Cost of Sales $1.91BOp Profit $0 (0%)OpEx (R&D/SG&A) $0Net Profit$578.0M (30.3%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $1.75B
FY24
Rev $1.73B
FY25
Rev $1.91B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.91B0%35.7%$578.0M$739.6M2.6%
FY 2024$1.73B0%35.7%$523.6M$1.43B2.4%
FY 2023$1.75B0%35.7%$530.7M$66.2M18.5%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BOKF)

  • βœ“Walkthrough of BOKF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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BOKF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.67%πŸ“ HORIZONTAL RANGE
2026-11-04O $130.2H $132.5L $130.2C $132.5VOL 258.2K
RES: $155.7SUP: $118.9SMA50: $130.7SMA200: $133.0
$148.8$140.6$132.4$124.3$116.1RES $155.7SUP $118.9$132.52026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BOKF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ BOKF Butterfly Map β†’ + Track BOKF β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.6%/yr Implied 5Y Growth

vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BOKF today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for BOKF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BOKF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BOKF)

Financials Rank #503 of 1097 βš”οΈ CBSH vs BOKF Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (BOKF vs. CBSH, VLY, WAL, CBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, BOK Financial Corporation (BOKF) ranks #503 by composite RQD confidence (56/100, grade D+) and #216 by equity capitalization ($8.05B). Within this direct 5-issuer industry benchmark cohort, WAL leads on earnings valuation at 8.8x trailing P/E, while CBSH leads on capital efficiency and profitability with 4.5% ROIC and β€” gross margin. CBSH currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BOKF at 56/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BOKF ACTIVE
BOK Financial Corporation
D+ 56/100 13.9x β€” 2.9% +1.76% $8.05B Benchmark Subject
CBSH
Commerce Bancshares Inc.
C+ 69/100 14.1x β€” 4.5% +1.34% $8.00B /cbsh-vs-bokf β†’
VLY
Valley National Bancorp
C- 59/100 13.2x β€” 2.4% +2.19% $7.94B /vly-vs-bokf β†’
WAL
Western Alliance Bancorporation
D- 38/100 8.8x β€” 2.9% +3.12% $8.46B /wal-vs-bokf β†’
CBC
Central Bancompany Inc.
C 65/100 22.0x β€” 4.5% +2.59% $8.83B /cbc-vs-bokf β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000875357 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BOK Financial Corporation (BOKF) reported GAAP revenue of $1.91B (+10.4% vs. FY2024 revenue of $1.73B , and +8.9% cumulative change since FY2023) , GAAP net income of $578.0M, operating cash flow of $739.6M, and free cash flow of $739.6M (-48.3% YoY). On the balance sheet, BOKF closed FY2025 with $52.24B in total assets against $20.84B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.91B $578.0M $739.6M $739.6M $52.24B $20.84B
FY2024 (FY) 2024-12-31 $1.73B $523.6M $1.43B $1.43B $49.69B $19.86B
FY2023 (FY) 2023-12-31 $1.75B $530.7M $66.2M $66.2M $4.42B $1.04B

3. BOKF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BOKF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, BOK Financial Corporation (NASDAQ: BOKF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $132.51 (+1.76% 1D, market cap $8.05B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, BOKF ranks #503 in composite RQD confidence.

How does BOKF compare to CBSH and VLY in the Financials sector?

Within the Financials sector (Major Banks), BOKF carries a Roarable D+ (56/100 RQD), trailing P/E of 13.9x, gross margin of β€”, and ROIC of 2.9%. By comparison, CBSH (Commerce Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 14.1x, ROIC 4.5%, cap $8.00B) and VLY (Valley National Bancorp) posts a C- grade (59/100 RQD, P/E 13.2x, ROIC 2.4%, cap $7.94B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBSH leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BOKF?

Per BOKF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000875357), BOK Financial Corporation generated $1.91B in revenue (+10.4% YoY), $578.0M in net income, and $739.6M in free cash flow against $52.24B in total assets and $20.84B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BOKF trading relative to its 50-day, 200-day, and 52-week technical levels?

BOKF last traded at $132.51 (+1.76% on volume of 258,173 shares), positioning the stock +1.39% above its 50-day simple moving average ($130.69) and -0.38% below its 200-day simple moving average ($133.02). Across its 52-week range of $102.72 to $146.84, BOKF sits at the 67.5% percentile with a 14-day RSI of 57.9 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.0% ($127.21 to $137.81).

Direct Sub-Reports: BOKF RQD Cockpit BOKF 12M Forecast BOKF Earnings & Move BOKF Dividends & DRIP BOKF Insiders & 13F BOKF Whale Options BOKF Profit Sankey BOKF News & Why
ROARABLE RATING BRIEF β€’ RQD 56/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

BOKF β€” BOK Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

BOK Financial Corporation (BOKF) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $132.51 (+1.76% 1D, market capitalization $8.05B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 2.9%, gross margin of β€”, operating margin of 31.3%, and free cash flow yield of 7.94%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (15/20): Incorporates a 1.14x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

BOK Financial Corporation is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. Revenue is reported as β€” across the available periods in the SEC financials, so the source does not establish how the company monetizes its activities. Operating margin is 31.3% and net margin is 25.7% per the market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), BOK Financial Corporation (BOKF) reported $1.91B in annual revenue (up from $1.73B in FY2024, +10.4% YoY) and $578.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.75B revenue, $530.7M net income) through FY2025, BOKF scaled operating cash flow to $739.6M and free cash flow to $739.6M, backed by $52.24B in total assets against $20.84B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 56/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $102.72 – $146.84 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 13.9x trailing P/E and 26.8x EV/EBITDA against 31.3% operating margins and a 1.14x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector-level fact provided is the classification as Financials / Major Banks, and the Roarable RQD rating's Macro Regime Fit pillar (beta 1.14, sector sensitivity) is the sole quantified indication of sensitivity to broader conditions.

  • Key Question #1: Can BOKF sustain or expand its 31.3% operating margin and 2.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.91B and free cash flow of $739.6M, how will capital allocation balance growth reinvestment against $20.84B in total debt?
  • Key Question #3: How sensitive is BOKF's 12.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.14x)?

BOKF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BOK Financial Corporation (BOKF) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BOKF Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BOKF Bull vs. Bear Conversation Board β€” What's Your Call at $132.51?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BOKF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BOKF:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $161.47 (+24.0%)
πŸ“Œ Pinned Debate

Forensic balance-sheet strength (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 7.94% FCF yield at a 13.9 trailing P/E.

Here is why I am bullish on BOKF here at $130.22: Forensic balance-sheet strength (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 7.94% FCF yield at a 13.9 trailing P/E.. Compare BOKF's 31.3% operating margin and 2.9% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $123.71 are getting bought.

CapAlloc_Nerd πŸ‚ BULL

@ShortSeller_Dan Fair point on 13.9x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $100.27 (-23.0%)
Spot @ $130.22

ROIC of 2.9% and beta of 1.14 leave the stock with weak capital efficiency and above-market sensitivity to macro moves.

ROIC of 2.9% and beta of 1.14 leave the stock with weak capital efficiency and above-market sensitivity to macro moves.. Look at the math on BOKF: paying 13.9x trailing P/E for 2.9% ROIC and 31.3% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $114.59 before getting long.

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