Citi sees 'modest upside' for BOK Financial stock despite growth outlook

Published 22/01/2025, 11:28
Citi sees 'modest upside' for BOK Financial stock despite growth outlook

On Wednesday, Citi analysts, revised the price target on BOK Financial (NASDAQ: BOKF) shares, increasing it from $110.00 to $123.00 while maintaining a Neutral rating. The adjustment comes amid expectations of stronger growth for the company, particularly in commercial and industrial (C&I) lending.

BOK Financial's unique lending practices and the completion of a multi-year hiring cycle contribute to the analysts' belief that the bank's growth prospects are more credible compared to its peers, who anticipate a boost in loan growth driven by election outcomes and slightly lower interest rates.

Citi's analysis suggests that while they may have previously been overly cautious regarding BOK Financial's performance, the current estimates indicate only a modest potential for share price increase. The bank's strong financial health, rated as GOOD by InvestingPro, along with its impressive 11-year streak of dividend increases, supports this outlook. The positively inclined yield curve is expected to benefit the bank's net interest income (NII), even though it might come at the cost of fee income—a trade-off that investors appear to understand.

The raised price target reflects the continued expansion of the bank's net interest margin (NIM). However, the analysts note that changes to the company's valuation multiple are unlikely until mid-2025. This statement underscores a cautious outlook on the stock's valuation despite the favorable conditions for NIM growth.

The Citi team's commentary highlights a balanced view of BOK Financial's future, acknowledging the factors that could drive growth while also recognizing the limitations that may cap the stock's valuation in the near term. Their updated price target and maintained rating reflect this nuanced perspective on the bank's financial prospects.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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