CluenexBOK Financial Corporation BOKF
BOK Financial Corporation scores weak on business quality (4.3 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What BOK Financial Corporation does
BOK Financial operates as a regional bank providing commercial banking, consumer banking, and wealth management services. Revenue is driven by net interest income and fee-based services for clients across the American Southwest.
- What it does best
BOK Financial generates strong free cash flow conversion relative to peers, with free cash flow reaching $1.3B. This cash generation stems from deep corporate banking relationships in its core regional footprint that reduce deposit volatility.
- The main risk
Oil price volatility poses a direct threat to commercial borrowers tied to the energy sector. Falling crude exports can pressure regional loan portfolios, impacting asset quality and provisioning levels.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 28.4% with a return on equity of 10.8%. Profitability remains tied to net interest margins and cyclical credit costs as the business scales.
The bank relies on regional customer relationships in the Southwest, ranking in the 36th percentile for revenue growth. Local switching costs limit rapid market share gains by larger national rivals.
Revenue grew 6.0% to $2.3B, showing a steady expansion rate compared to historical periods.
Debt-to-equity sits at 0.3, while free cash flow reached $1.3B, marking a recovery from prior years. The overall financial position is holding steady.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
3 sold $765K outside pre-planned sales.
Our sealed record on BOKF
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
BOK Financial Corporation scores weak on the Cluenex quality check (4.3 of 10), measured against its own industry. Profitability is fair, moat weak, growth slow and financial health fair.
In the last 90 days of SEC Form 4 filings: 3 sold $765K outside pre-planned sales.
Oct 19, 2026.
See BOKF today
- Today's verdict on BOKF, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “BOK Financial Corporation (BOKF)”, https://cluenex.com/stocks/bokf/, data as of Oct 10, 2026.