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BOKF vs CFR
Which Stock Would AI Choose? BOK Financial Corporation (BOKF) vs. Cullen/Frost Bankers, Inc. (CFR) Stock Comparison
Key Takeaways
- BOKF has outperformed CFR year-to-date with a 16.28% return compared to 14.84%, driven by strong Q1 2026 earnings that beat estimates.
- CFR offers a higher dividend yield at 2.77% versus BOKF's 1.84%, appealing to income-focused investors.
- Both regional banks show solid one-year gains, with BOKF at 53.68% and CFR at 33.40%, amid favorable market conditions for financials.
- CFR boasts a higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 15.31% compared to BOKF's 10.45%.
- Recent momentum favors BOKF, with shares near 52-week highs after positive earnings, while CFR maintains steady performance.
Introduction
BOKF and CFR are prominent regional banks operating primarily in the South-Central U.S., with footprints in Oklahoma, Texas, and surrounding areas. This stock comparison examines their business models, recent market performance, and key financial metrics amid evolving interest rate environments and economic shifts. Traders seeking momentum plays and investors focused on dividends or stability in the financial sector will find value here, as both stocks reflect broader trends in regional banking, including deposit growth and loan quality. Understanding their relative positioning aids in portfolio diversification within the sector.
BOKF Overview and Recent Performance
BOK Financial Corporation (BOKF) is a financial holding company providing banking, brokerage, and wealth management services through subsidiaries like BOKF, NA. Headquartered in Tulsa, Oklahoma, it serves commercial, consumer, and energy sectors across multiple states. In recent market activity, BOKF shares have climbed toward 52-week highs around $139, trading near $137 with a market cap of $8.33 billion. Year-to-date gains stand at 16.28%, outpacing the broader market, fueled by Q1 2026 earnings that topped revenue and EPS estimates despite a slight dip in net interest income (NII, revenue from interest-bearing assets minus costs). Positive sentiment stems from robust fee income growth and controlled expenses, with P/E at 13.88 and ROE at 10.45% signaling efficiency.
CFR Overview and Recent Performance
Cullen/Frost Bankers, Inc. (CFR) operates as the holding company for Frost Bank, delivering commercial and consumer banking in Texas. With a focus on relationship banking, it emphasizes deposits and loans in energy and real estate. Recently, CFR shares hover around $144, with a $9.13 billion market cap and 52-week range of $111-$149. YTD performance is 14.84%, supported by steady momentum and analyst upgrades, including Barclays raising its price target. Trading near recent highs, the stock benefits from a 2.77% dividend yield and 15.31% ROE, though upcoming earnings loom as a key catalyst amid peer comparisons.
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Head-to-Head Comparison
Both BOKF and CFR operate similar business models as regional banks, relying on NII, fees, and deposits rather than heavy M&A (mergers and acquisitions). Growth drivers include loan expansion in energy-rich regions, but BOKF edges in recent momentum with superior YTD and one-year returns, bolstered by earnings beats. CFR counters with higher ROE and dividend yield, indicating better capital efficiency and income appeal. Risk factors like interest rate sensitivity and NCOs (non-performing loans) are comparable, though CFR's lower beta (0.61) suggests less volatility. Sector exposure mirrors Texas/Oklahoma economies, with sentiment tilting toward BOKF on stability post-earnings.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward BOKF due to its trend consistency, stronger relative YTD performance, and positive earnings catalysts in recent weeks. While CFR offers dividend stability, BOKF's momentum and valuation position it favorably for short- to medium-term upside in the current banking environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BOKF is a Buy and CFR is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BOKF’s FA Score shows that 2 FA rating(s) are green whileCFR’s FA Score has 1 green FA rating(s).
- BOKF’s FA Score: 2 green, 3 red.
- CFR’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BOKF’s TA Score shows that 6 TA indicator(s) are bullish while CFR’s TA Score has 6 bullish TA indicator(s).
- BOKF’s TA Score: 6 bullish, 3 bearish.
- CFR’s TA Score: 6 bullish, 4 bearish.
Price Growth
BOKF (@Regional Banks) experienced а +0.61% price change this week, while CFR (@Regional Banks) price change was +3.00% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
BOKF is expected to report earnings on Jul 29, 2026.
CFR is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BOKF | CFR | BOKF / CFR | |
| Capitalization | 8.07B | 9.38B | 86% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.233 | 19.703 | 67% |
| P/E Ratio | 13.43 | 14.55 | 92% |
| Revenue | 2.14B | 2.27B | 94% |
| Total Cash | 1B | 681M | 147% |
| Total Debt | 6.12B | 223M | 2,743% |
BOKF | CFR | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 10 | 36 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 60 Fair valued | 79 Overvalued | |
PROFIT vs RISK RATING 1..100 | 43 | 61 | |
SMR RATING 1..100 | 21 | 17 | |
PRICE GROWTH RATING 1..100 | 48 | 47 | |
P/E GROWTH RATING 1..100 | 31 | 47 | |
SEASONALITY SCORE 1..100 | 50 | 45 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BOKF's Valuation (60) in the Regional Banks industry is in the same range as CFR (79). This means that BOKF’s stock grew similarly to CFR’s over the last 12 months.
BOKF's Profit vs Risk Rating (43) in the Regional Banks industry is in the same range as CFR (61). This means that BOKF’s stock grew similarly to CFR’s over the last 12 months.
CFR's SMR Rating (17) in the Regional Banks industry is in the same range as BOKF (21). This means that CFR’s stock grew similarly to BOKF’s over the last 12 months.
CFR's Price Growth Rating (47) in the Regional Banks industry is in the same range as BOKF (48). This means that CFR’s stock grew similarly to BOKF’s over the last 12 months.
BOKF's P/E Growth Rating (31) in the Regional Banks industry is in the same range as CFR (47). This means that BOKF’s stock grew similarly to CFR’s over the last 12 months.
| BOKF | CFR | |
|---|---|---|
| RSI ODDS (%) | 6 days ago 46% | 2 days ago 61% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 57% | 2 days ago 62% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 65% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 63% |
| Advances ODDS (%) | 12 days ago 61% | 2 days ago 63% |
| Declines ODDS (%) | 6 days ago 61% | 27 days ago 55% |
| BollingerBands ODDS (%) | N/A | 2 days ago 62% |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 52% |
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BOKF and
Correlation & Price change
A.I.dvisor indicates that over the last year, BOKF has been closely correlated with UBSI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if BOKF jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To BOKF | 1D Price Change % | ||
|---|---|---|---|---|
| BOKF | 100% | +1.93% | ||
| UBSI - BOKF | 87% Closely correlated | +1.17% | ||
| UCB - BOKF | 85% Closely correlated | +1.61% | ||
| AUB - BOKF | 85% Closely correlated | +1.17% | ||
| INDB - BOKF | 85% Closely correlated | +0.43% | ||
| FNB - BOKF | 84% Closely correlated | +0.71% | ||
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CFR and
Correlation & Price change
A.I.dvisor indicates that over the last year, CFR has been closely correlated with ASB. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if CFR jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To CFR | 1D Price Change % | ||
|---|---|---|---|---|
| CFR | 100% | +2.56% | ||
| ASB - CFR | 82% Closely correlated | +0.62% | ||
| UCB - CFR | 82% Closely correlated | +1.61% | ||
| BOKF - CFR | 81% Closely correlated | +1.93% | ||
| UBSI - CFR | 81% Closely correlated | +1.17% | ||
| FNB - CFR | 81% Closely correlated | +0.71% | ||
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