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BOKF vs UCB
Which Stock Would AI Choose? BOK Financial Corporation (BOKF) vs. United Community Banks, Inc. (UCB) Stock Comparison
Key Takeaways
- Both BOKF and UCB are regional banks delivering solid year-to-date gains, with BOKF at approximately 16% compared to UCB's 11%.
- BOKF boasts a larger market capitalization of $8.3 billion versus UCB's $4.1 billion, reflecting greater scale.
- Valuations are comparable with trailing P/E ratios around 15 for BOKF and 13 for UCB, though UCB offers a higher dividend yield of 2.9% against 1.8%.
- Recent quarterly earnings for BOKF topped estimates, fueling upward price momentum in recent weeks.
- Both exhibit similar profitability, with return on equity (ROE, a measure of profit generated from shareholders' equity) near 10% and quarterly revenue growth above 10%.
- Price growth ratings from analytical tools show close parity, with UCB slightly ahead at 46 versus BOKF's 43.
Introduction
As regional banks navigating a dynamic interest rate environment and economic shifts, BOKF and UCB offer investors exposure to localized lending, deposit growth, and wealth management services. This stock comparison analyzes their business models, recent performance, and market positioning to aid traders seeking relative value in the financial sector. Long-term investors may appreciate their dividend profiles and balance sheet strength, while short-term traders could focus on momentum from earnings and analyst sentiment. With both stocks showing resilience amid broader market volatility, understanding their contrasts helps inform portfolio decisions in today's competitive banking landscape.
BOKF Overview and Recent Performance
BOKF, or BOK Financial Corporation, serves as the holding company for BOKF, NA, delivering banking, wealth management, and trading services across Oklahoma, Texas, and neighboring states. Its operations span commercial banking for businesses, consumer retail services, and wealth management including fiduciary and investment advisory. In recent market activity, BOKF shares have climbed significantly, trading around $137 with a 52-week range of $85 to $140. This upward trajectory stems from quarterly revenue growth exceeding 12% year-over-year, robust net income, and Q1 2026 earnings that surpassed Wall Street estimates on both top and bottom lines. Positive sentiment has been bolstered by analyst price target increases, such as Barclays raising its target to $145, amid stable return on assets (ROA, profitability relative to total assets) near 1.1% and a market cap reflecting operational scale.
UCB Overview and Recent Performance
UCB, or United Community Banks, Inc., operates as the holding company for United Community Bank, providing deposits, loans, and related services across the Southeast U.S. from its base in Greenville, South Carolina. It focuses on commercial real estate (CRE), residential mortgages, consumer lending, and ancillary offerings like insurance and trust services. Recently, UCB stock has advanced steadily to about $34, within a 52-week span of $25 to $37. Influences include quarterly revenue expansion of over 10%, solid ROE around 9.3%, and recent analyst upgrades, such as Keefe Bruyette & Woods lifting its target to $40 with an Outperform rating. These factors have supported monthly gains around 14%, driven by favorable loan demand and deposit stability in recent weeks.
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Head-to-Head Comparison
Both BOKF and UCB operate similar regional banking models centered on net interest income (NII, earnings from interest-bearing assets minus liabilities), CRE and commercial loans, and deposit franchises, exposing them to interest rate cycles and local economic health. BOKF differentiates with broader geographic reach into energy and healthcare sectors plus mortgage trading, driving higher revenue scale ($2.2B TTM vs. $1B), while UCB emphasizes Southeast retail and equipment financing for steadier consumer ties. Recent momentum favors BOKF's earnings beats and 16% YTD surge over UCB's 11%, though UCB edges on valuation (lower P/E, higher yield) and lower beta (0.84 vs. higher for BOKF). Risk factors include CRE concentrations and rate sensitivity, with BOKF showing slightly better ROE but comparable debt levels. Market sentiment tilts positive for both amid regional recovery signals.
Tickeron AI Verdict
Tickeron’s AI currently leans toward BOKF with moderate confidence, citing superior recent trend consistency, YTD outperformance, and catalysts like earnings beats that underscore earnings stability and growth momentum. While UCB presents attractive yield and valuation trade-offs, BOKF's larger scale and relative positioning offer probabilistic edge in the prevailing 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 UCB is a StrongBuy.
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 whileUCB’s FA Score has 1 green FA rating(s).
- BOKF’s FA Score: 2 green, 3 red.
- UCB’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 UCB’s TA Score has 6 bullish TA indicator(s).
- BOKF’s TA Score: 6 bullish, 3 bearish.
- UCB’s TA Score: 6 bullish, 2 bearish.
Price Growth
BOKF (@Regional Banks) experienced а +0.61% price change this week, while UCB (@Regional Banks) price change was -0.21% 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.
UCB is expected to report earnings on Jul 21, 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 | UCB | BOKF / UCB | |
| Capitalization | 8.07B | 4B | 202% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.233 | 8.596 | 154% |
| P/E Ratio | 13.43 | 12.23 | 110% |
| Revenue | 2.14B | 1.07B | 201% |
| Total Cash | 1B | 177M | 566% |
| Total Debt | 6.12B | 120M | 5,098% |
BOKF | UCB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 10 | 18 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 60 Fair valued | 46 Fair valued | |
PROFIT vs RISK RATING 1..100 | 43 | 94 | |
SMR RATING 1..100 | 21 | 28 | |
PRICE GROWTH RATING 1..100 | 48 | 49 | |
P/E GROWTH RATING 1..100 | 31 | 61 | |
SEASONALITY SCORE 1..100 | 50 | 85 |
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.
UCB's Valuation (46) in the Regional Banks industry is in the same range as BOKF (60). This means that UCB’s stock grew similarly to BOKF’s over the last 12 months.
BOKF's Profit vs Risk Rating (43) in the Regional Banks industry is somewhat better than the same rating for UCB (94). This means that BOKF’s stock grew somewhat faster than UCB’s over the last 12 months.
BOKF's SMR Rating (21) in the Regional Banks industry is in the same range as UCB (28). This means that BOKF’s stock grew similarly to UCB’s over the last 12 months.
BOKF's Price Growth Rating (48) in the Regional Banks industry is in the same range as UCB (49). This means that BOKF’s stock grew similarly to UCB’s over the last 12 months.
BOKF's P/E Growth Rating (31) in the Regional Banks industry is in the same range as UCB (61). This means that BOKF’s stock grew similarly to UCB’s over the last 12 months.
| BOKF | UCB | |
|---|---|---|
| RSI ODDS (%) | 6 days ago 46% | N/A |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 66% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 57% | 2 days ago 66% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 54% |
| Advances ODDS (%) | 12 days ago 61% | 2 days ago 57% |
| Declines ODDS (%) | 6 days ago 61% | 8 days ago 68% |
| BollingerBands ODDS (%) | N/A | N/A |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 46% |
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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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UCB and
Correlation & Price change
A.I.dvisor indicates that over the last year, UCB has been closely correlated with UBSI. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To UCB | 1D Price Change % | ||
|---|---|---|---|---|
| UCB | 100% | +1.61% | ||
| UBSI - UCB | 91% Closely correlated | +1.17% | ||
| AUB - UCB | 90% Closely correlated | +1.17% | ||
| CATY - UCB | 90% Closely correlated | +1.42% | ||
| FULT - UCB | 89% Closely correlated | +0.66% | ||
| ASB - UCB | 88% Closely correlated | +0.62% | ||
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