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BOK FinancialBOKF -0.04%76 Debt-to-Equity is 1.03 as of Mar. 2026, which is at its 10-year median of 1.03. GuruFocus rates BOKF with a GF Score™ of 76/100 and a GF Value™ of $120.37 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, BOK Financial ranks better than 50.67% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BOK Financial's Debt-to-Equity or its related term are showing as below:
BOKF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 1.03 Max: 1.97
Current: 0.57
During the past 13 years, the highest Debt-to-Equity Ratio of BOK Financial was 1.97. The lowest was 0.03. And the median was 1.03.
BOKF's Debt-to-Equity is ranked better than 50.67% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs BOKF: 0.57
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BOK Financial Debt-to-Equity Related Terms
BOK Financial Debt-to-Equity Historical Data
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The historical data trend for BOK Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, BOK Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BOK Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BOK Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BOK Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOK Financial (BOKF) has a Debt-to-Equity of 1.03 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BOK Financial and its competitors. This is near median its historical median of 1.03. Over the past decade, BOK Financial's Debt-to-Equity has ranged from 0.03 to 1.97. According to the industry distribution chart, BOK Financial ranks #701 out of 1421 companies in the Banks industry, placing it in the top 49.3%.
Is BOK Financial's Debt-to-Equity too high?
BOK Financial's current Debt-to-Equity of 1.03 is near median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.97. The Banks industry median Debt-to-Equity is 0.58. BOK Financial's value of 1.03 is 77.6% above this industry median. Based on the distribution chart, BOK Financial ranks #701 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, BOK Financial has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BOK Financial's Debt-to-Equity compare to PB and CBSH?
According to the Banks industry distribution chart, BOK Financial ranks #701 out of 1421 companies for Debt-to-Equity. This puts BOK Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.58. BOK Financial's value of 1.03 is 77.6% above this benchmark. Historically, BOK Financial's own Debt-to-Equity has ranged from 0.03 to 1.97 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 0.58, BOK Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BOK Financial's current Debt-to-Equity of 1.03 is 77.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BOK Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BOK Financial's current Debt-to-Equity is 1.03, which is near median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BOK Financial stock overvalued right now?
Based on GuruFocus' analysis, BOK Financial (BOKF) is currently considered Modestly Overvalued. The stock's GF Value™ is $120.37, compared to a current price of $141.07 — trading 17.2% above its estimated fair value. The current Debt-to-Equity is 1.03, which is near median its 10-year median of 1.03 and 77.6% above the Banks industry median of 0.58. BOK Financial's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BOK Financial (BOKF), the current Debt-to-Equity is 1.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BOK Financial (BOKF) Overvalued in 2026?
Based on GuruFocus' analysis, BOK Financial stock appears to be overvalued.
The current stock price of $141.07 is trading 17.2% above its estimated GF Value™ of $120.37.
GuruFocus considers BOK Financial to be Modestly Overvalued.
Key valuation signals for BOKF:
Debt-to-Equity: 1.03 (near median its 10-year median of 1.03)
GF Value™: $120.37 vs. price of $141.07 (17.2% above fair value)
Industry Position: 77.6% above the Banks median (#701 of 1421)
No single metric tells the full story. See the BOKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BOK Financial Corp is a financial institution based in Oklahoma that offers a broad range of nationally competitive financial products and services. The company operates through three main segments: Commercial Banking, Consumer Banking, and Wealth Management. Commercial Banking provides lending, treasury and cash management, and risk management services, and includes the TransFund EFT network. Consumer Banking focuses on retail lending, deposit services, and mortgage loan origination and servicing. Wealth Management engages mainly in brokerage and trading activities, particularly in U.S. government agency mortgage-backed securities and related derivatives. The company generates the majority of its revenue from the Commercial Banking segment.
76GF Score
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