Update shared on08 Oct 2025
Fair value Increased 1.29%Analysts have nudged their fair value estimate for BOK Financial higher, increasing the target by $1.50 to $117.60. Recent upgrades cite the bank’s improving deposit mix, robust loan growth in key markets, and a strong capital position supporting future returns.
Analyst Commentary
Recent Street research reflects growing optimism regarding BOK Financial’s operating performance and outlook. Analyst revisions have focused on valuation upgrades and expectations for the bank to outperform in its core markets.
Bullish Takeaways
- Bullish analysts highlight an improved price target, citing stronger earnings potential ahead and enhanced balance sheet management.
- Anticipation of an improved non-interest-bearing deposit mix is seen as a positive driver for both funding costs and profitability.
- BOK Financial’s robust loan growth in strong-performing regions such as Texas and Oklahoma is considered a key competitive advantage.
- Analysts also point to the company’s strong capital position, which supports share buybacks and continued organic growth initiatives.
Bearish Takeaways
- Some analysts remain cautious, noting that while loan growth is above average, it is sensitive to regional economic fluctuations.
- Dependence on growth in specific markets could introduce risks if local economic conditions change.
- Competition for deposits is expected to remain intense, which could limit the pace of deposit mix improvement in the near term.
What's in the News
- BOK Financial announced a new share repurchase program authorizing the company to buy back up to 5,000,000 shares. (Key Developments)
- The Board of Directors approved a buyback plan on July 29, 2025. (Key Developments)
- Between April 1 and June 30, 2025, BOK Financial repurchased 663,298 shares for $62.36 million, bringing total shares repurchased under the ongoing program to 4,130,318 for a cumulative $360.17 million. (Key Developments)
Valuation Changes
- Fair Value Estimate has increased from $116.10 to $117.60. This is a modest upward revision reflecting an improved outlook.
- Discount Rate has fallen slightly from 7.27% to 7.21%, indicating a marginally lower risk assessment.
- Revenue Growth Projection has edged up from 5.89% to 5.91%.
- Net Profit Margin is projected to rise from 23.51% to 24.09%, suggesting better profitability expectations.
- Future P/E Ratio forecast has decreased from 15.34x to 15.13x. This signals a slightly more attractive valuation multiple.
Disclaimer
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