Company Analysis

BOK Financial Corporation (BOKF)

Nasdaq: BOKF · National Commercial Banks · Tulsa, OK · filing with the SEC since 1996
Grade5.7
◀ Past 6.8● Present 6.5▶ Future 2.8

The grade of BOK Financial Corporation

Nine metrics read from its own filings, by tense
Headline grade
5.7/10
◀ Past6.840% of the headline
● Present6.535% of the headline
▶ Future2.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

BOK Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.3/10

What has it actually done, year after year?

+13.2% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 33rd percentile among 79 sector filers · read for its customers

From the record

BOK Financial Corporation's 10 filed years say what it did: revenue went from $829 million in fiscal 2016 to $2.5 billion in fiscal 2025, up 13.2% a year; it rose in 6 of 9 years; the deepest fall was 23% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span13.2%top 47% of its family
  • the share of years revenue rosebottom 16% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak23.0%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.2/10

How has it treated the people who own it?

Share count shrank 2.3% a year. 50% of cash flow returned. Insiders: 13 sales, 0 purchases.

weight 33% of this tense · 82nd percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, BOK Financial Corporation's diluted share count shrank about 2.3% a year, and dividends and buybacks returned about 50% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 13 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 8% of its family
  • cash returned against operating cash flowtop 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.3/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 63rd percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, BOK Financial Corporation earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 1.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 39% of its family
  • return on equitybottom 49% of its family
  • the share count against the year beforetop 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.7/10

How strong is its position in its industry?

top 33% of 79 in its family; net margin 22.8%.

weight 33% of this tense · 67th percentile among 79 sector filers · read for its customers

From the record

BOK Financial Corporation's standing among 79 graded names in its industry family: revenue of $2.5 billion in fiscal 2025 ranks in the top 25% by size; a net margin of 22.8% ranks in the top 49%; revenue growth of 22% a year over the last 3 filed years ranks in the top 26% (its annual reports).

What it rests on

  • revenue against the family$2.53Btop 25% of its family
  • net margin22.8%top 49% of its family
  • three-year revenue growth22.0%top 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
6.7/10

What are the people in charge doing?

top 33% of 74 in its family for leadership; chief executive since 2022.

weight 22% of this tense · 67th percentile among 74 sector filers · read for its shareholders

From the record

BOK Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Kymes, Stacy (President & CEO, as filed), filing under that title since 2022-01-13, 4.8 years (bottom 33% of its family); the 27 officers and directors filing in the last fifteen months have been on the record a median of 8.1 years (top 29%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 27 people in charge now (top 2%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge3 in three years among 27 peopletop 2% of its family
  • the median years the people in charge have filed8.1 yearstop 29% of its family
  • the chief executive's years on the record4.8 yearsbottom 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

2.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
2.6/10

How much room does it have to grow?

bottom 26% of 71 in its family for room to expand.

weight 33% of this tense · 26th percentile among 71 sector filers · read for itself

From the record

BOK Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $1.7 billion against debt of $4.6 billion leaves -5.7% of its assets as net cash, bottom 2% of its family; cash from operations less capital spending is 22.7% of revenue (top 49%) (its annual report).

What it rests on

  • cash less debt against assets-5.7%bottom 2% of its family
  • cash from operations less capital spending against revenue22.7%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
3.5/10

What could actually drive growth from here?

bottom 35% of 79 in its family for growth drivers.

weight 33% of this tense · 35th percentile among 79 sector filers · read for its customers

From the record

BOK Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 22% a year over the last three filed years against 13.2% over all 10, speeding up (top 25% of its family); the newest year grew -4% (bottom 7%); capital spending grew -8.6% a year (bottom 23%) (its annual reports). BOK Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+8.8 points a yeartop 25% of its family
  • the newest year's revenue growth-4.0%bottom 7% of its family
  • three-year growth of capital spending-8.6%bottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
2.4/10

Did its newest year beat what its own record pointed to?

bottom 24% of 76 in its family for expectations against reality.

weight 33% of this tense · 24th percentile among 76 sector filers · read for its shareholders

From the record

BOK Financial Corporation's newest year against its own record: revenue of $2.5 billion in fiscal 2025 came in 30.2% below the $3.6 billion its prior three years' pace pointed to (bottom 6% of its family); net income of $578 million against a prior three-year average of $525 million (bottom 31%); a net margin of 22.8% against 26.6% before (bottom 35%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-30.2%bottom 6% of its family
  • net income against the prior three years' average+10%bottom 31% of its family
  • net margin against its prior average-3.8 pointsbottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BOKF · research, not advice