BOK Financial Corporation (BOKF) Fair Value 2026

BOKF · National Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.6 /10

32 fundamental signals · 12 models active

Value Trap Risk

LOW (26/100)

Quick Summary — As of 2026-07-14, BOK Financial Corporation (BOKF) trades at $138.45, approximately 68% below CirclFi’s Bayesian DCF fair value of $431.83. QOC: 7.6/10. Value Trap Risk: 26/100 (LOW). 12/13 models active.

Key Facts

Ticker
BOKF
Price
$138.45
Quality Score
7.6/10
Value Trap Risk
26/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +211.9% upside with 59% confidence
Risk: Majority of models suggest overvaluation

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($138.45)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$431.83 +211.9%
Earnings Power Value
High Conviction
$77.95 -43.7%
CUCE Ensemble
Low Conviction
$115.95 -16.3%
First Chicago
High Conviction
$71.41 -48.4%

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What Is BOK Financial Corporation (BOKF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, BOK Financial Corporation's intrinsic value is estimated at a composite fair value of $144.33. Trading at $138.45, the stock is approaching fair value or slight overvaluation (implied return of +4.2%), as 8 of 12 models suggest limited further upside. Model dispersion is worth noting: Bayesian DCF targets $431.83 (+211.9%), versus EROIC at $25.34 (-81.7%). This +293.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About BOKF?

12 of 13 models are currently active for BOKF. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates BOKF's intrinsic value at $431.83, implying +211.9% upside from the current price. See which stocks rank higher →

How Does BOKF Rank in National Commercial Banks?

Among 92 National Commercial Banks stocks, BOKF ranks #59 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.

See all Most Undervalued National Commercial Banks Stocks →

BOK Financial Corporation's positioning within the National Commercial Banks segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is BOKF a Value Trap?

CirclFi's Value Trap algorithm assigns BOKF a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for BOK Financial Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, BOK Financial Corporation earns a quality score of 7.6/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +293.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BOKF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BOKF's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy BOK Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar National Commercial Banks Stocks Should You Also Analyze?

8 related National Commercial Banks stocks with 13-model coverage

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Frequently Asked Questions About BOK Financial Corporation

What is BOK Financial Corporation's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, BOK Financial Corporation (BOKF) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $431.83. The Quality of Company score is 7.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BOKF overvalued or undervalued right now?

At $138.45, 4 of 12 active models suggest BOKF may be undervalued, while 8 indicate potential overvaluation. The assessment depends on which methodology best fits BOK Financial Corporation's business model in National Commercial Banks.

What does a Quality of Company score of 7.6 mean for BOKF?

BOK Financial Corporation's QOC of 7.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BOKF?

CirclFi analyzes BOKF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is BOKF a value trap in 2026?

BOK Financial Corporation's Value Trap score is 26/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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