BOK FinancialBOKF -1.39%74 Return-on-Tangible-Equity is 13.73% as of Mar. 2026, which is 0% below its 10-year median of 13.78. GuruFocus rates BOKF with a GF Score™ of 74/100 and a GF Value™ of $119.15 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, BOK Financial ranks better than 65.73% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. BOK Financial's annualized net income for the quarter that ended in Mar. 2026 was $623 Mil. BOK Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $4,540 Mil. Therefore, BOK Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.73%.
The historical rank and industry rank for BOK Financial's Return-on-Tangible-Equity or its related term are showing as below:
BOKF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.1 Med: 13.78 Max: 15.49
Current: 13.64
During the past 13 years, BOK Financial's highest Return-on-Tangible-Equity was 15.49%. The lowest was 9.10%. And the median was 13.78%.
BOKF's Return-on-Tangible-Equity is ranked better than 65.73% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BOKF: 13.64
BOK Financial (NAS:BOKF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
BOK Financial Return-on-Tangible-Equity Related Terms
BOK Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BOK Financial's Return-on-Tangible-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.
BOKF vs CBSH, VLY, WAL: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BOK Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BOK Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BOK Financial's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.73% mean?
BOK Financial (BOKF) has a Return-on-Tangible-Equity of 13.73% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BOK Financial and its competitors. This is near median its historical median of 13.78. Over the past decade, BOK Financial's Return-on-Tangible-Equity has ranged from 9.10 to 15.49. According to the industry distribution chart, BOK Financial ranks #522 out of 1523 companies in the Banks industry, placing it in the top 34.3%.
Is BOK Financial's Return-on-Tangible-Equity too high?
BOK Financial's current Return-on-Tangible-Equity of 13.73% is near median its 10-year median of 13.78. Over the past 10 years, this metric has ranged from a low of 9.10 to a high of 15.49. The Banks industry median Return-on-Tangible-Equity is 11.20. BOK Financial's value of 13.73% is 22.6% above this industry median. Based on the distribution chart, BOK Financial ranks #522 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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 Return-on-Tangible-Equity compare to CBSH and VLY?
According to the Banks industry distribution chart, BOK Financial ranks #522 out of 1523 companies for Return-on-Tangible-Equity. This puts BOK Financial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. BOK Financial's value of 13.73% is 22.6% above this benchmark. Historically, BOK Financial's own Return-on-Tangible-Equity has ranged from 9.10 to 15.49 over the past decade. While the company's 10-year median is 13.78 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BOK Financial's current Return-on-Tangible-Equity of 13.73% is 22.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BOK Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BOK Financial's current Return-on-Tangible-Equity is 13.73%, which is near median its own 10-year median of 13.78. 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 $119.15, compared to a current price of $139.29 — trading 16.9% above its estimated fair value. The current Return-on-Tangible-Equity is 13.73%, which is near median its 10-year median of 13.78 and 22.6% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For BOK Financial (BOKF), the current Return-on-Tangible-Equity is 13.73% 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 $139.29 is trading 16.9% above its estimated GF Value™ of $119.15.
GuruFocus considers BOK Financial to be Modestly Overvalued.
Key valuation signals for BOKF:
Return-on-Tangible-Equity: 13.73% (near median its 10-year median of 13.78)
GF Value™: $119.15 vs. price of $139.29 (16.9% above fair value)
Industry Position: 22.6% above the Banks median (#522 of 1523)
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.
74GF Score
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