BOKF (BOK Financial) Moat Score: 4/10 (As of Jun. 29, 2026)


BOKF BOK Financial Corp BOKF
74 GF Score
Price $138.52
GF Value $118.88
Valuation Modestly Overvalued
! 7 Warning Signs
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What is BOK Financial Moat Score?

BOK Financial BOKF -0.47% 74 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates BOKF with a GF Score™ of 74/100 and a GF Value™ of $118.88 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,614 Banks companies, BOK Financial ranks better than 86.25% on this metric.

BOK Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

BOK Financial has Narrow Moat: BOK Financial Corp has a discernible moat due to its regional banking presence and customer loyalty. However, it lacks the scale and pricing power of larger national banks, limiting its competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes BOK Financial might have Narrow Moat - Discernible but modest moat.

BOK Financial  (NAS:BOKF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

BOK Financial Moat Score Related Terms

BOKF vs CBSH, VLY, WAL: Moat Score Comparison

For the Banks - Regional subindustry, BOK Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, BOK Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where BOK Financial's Moat Score falls into.


BOKF
74GF Score
BOK Financial Corp BOKF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
BOK Financial (BOKF) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, BOK Financial ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is BOK Financial's Moat Score too high?
BOK Financial's current Moat Score is 4. Based on the distribution chart, BOK Financial ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BOK Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BOK Financial's Moat Score compare to CBSH and VLY?
According to the Banks industry distribution chart, BOK Financial ranks #222 out of 1614 companies for Moat Score. This places BOK Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. BOK Financial's current Moat Score is 4. 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 $118.88, compared to a current price of $138.52 — trading 16.5% above its estimated fair value. The current Moat Score is 4. BOK Financial's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For BOK Financial (BOKF), the current Moat Score is 4 as of Jun. 29, 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 $138.52 is trading 16.5% above its estimated GF Value™ of $118.88. GuruFocus considers BOK Financial to be Modestly Overvalued.

Key valuation signals for BOKF:

  • Moat Score: 4
  • GF Value™: $118.88 vs. price of $138.52 (16.5% above fair value)
  • GF Score™: 74/100 with 7 warning signs

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 Business Description

Address Boston Avenue at Second Street, Bank of Oklahoma Tower, Tulsa, OK, USA, 74172
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.
74GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$138.52
Price
$118.88
GF Value