BOKF vs CBSH Stock Comparison
CBSH currently leads BOKF in this stock comparison, with AIQ scores of 58 vs 53. The clearest difference is risk resilience, while BOKF has the stronger value profile.
What is the main difference between BOKF and CBSH?
CBSH leads the current stock comparison as Commerce Bancshares, Inc., with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
BOK Financial Corporation vs Commerce Bancshares, Inc.
CBSH leads
CBSH leads by 5 AIQ points, primarily on Risk Resilience and Momentum.
Stable: 5 of 6 evidence groups support CBSH, and its signal state is cleanly positive.
BOK Financial Corporation
Commerce Bancshares, Inc.
The Algovestiq AIQ Score currently favors CBSH over BOKF, 58 versus 53 as of Oct 21, 2026. CBSH's advantage is driven primarily by stronger risk resilience and momentum, while BOKF holds the stronger value profile. CBSH also shows the stronger technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor CBSH today, and the comparison is rated Stable on stability: the AIQ gap is narrow at 5 points. CBSH lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
Compare BOK Financial Corporation and Commerce Bancshares, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare BOKF and CBSH against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience63 vs 77CBSH +14
- Momentum42 vs 55CBSH +13
- Value52 vs 42BOKF +10
- Quality58 vs 66CBSH +8
5 of 6 evidence groups favor CBSH. CBSH’s edge is concentrated in risk resilience and momentum; BOKF keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +16
New signals
- MACD Bullish Crossover — bullish, momentum, short horizon
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 3 active signals are unchanged.
CBSH's lead narrowed by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — BOKF and CBSH both carry a full feed there.
The central trade-off
CBSH (Commerce Bancshares, Inc.): the stronger current systematic profile, led by risk resilience and momentum.
BOKF (BOK Financial Corporation): the counter-case, on value, valuation — but at materially higher volatility, 20% against 15%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
CBSHCBSH on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
BOKFBOKF on combined revenue and EPS growth.
Value
BOKFBOKF on the peer-relative Value factor, by 10 points.
Momentum
CBSHCBSH on the Momentum factor, by 13 points.
Lower downside
CBSHCBSH on Risk Resilience, by 14 points.
Analyst upside
CBSHCBSH on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | BOKF | CBSH | Note |
|---|---|---|---|
| Implied upside to target | +15.5% | +19.9% | CBSH has more room |
| Target dispersion | +13.7% | +30.2% | Lower is tighter analyst agreement |
| Consensus | Hold | Hold | Context, not a primary driver |
| Analysts covering | 5 | 4 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | BOKF | CBSH |
|---|---|---|
| 5Y dividend CAGR | 2.68% | 5.14% |
| 2020 regular DPS | $2.050 | $0.816 |
| 2025 regular DPS | $2.340 | $1.048 |
| Years increased | 4 | 4 |
| No cut in window | No (1) | No (1) |
| Cohort rank | not ranked | not ranked |
CBSH grew its split-adjusted regular dividend faster over 2020–2025 — 5.14% a year against BOKF's 2.68%.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor CBSH. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | CBSH | 53 vs 58 |
| Fundamentals | CBSHon balance | revenue growth 6% vs -14.6%; EPS growth 14% vs 14.4%; TTM ROE 10.8% vs 14.4%; gross margin 66.1% vs 80.2%; operating margin 23.4% vs 35% — CBSH takes 3 of 4 decided legs, not all of them |
| Valuation | BOKF | Value 52 vs 42 |
| Technicals | CBSH | Price vs 50-day -5.4% vs -3.3%; vs 200-day -4.7% vs 2.3% |
| Risk Resilience | CBSH | Risk Resilience 63 vs 77 |
| Analyst expectations | CBSH | Target upside 15.5% vs 19.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BOKF and CBSH and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is narrow at 5 points. (argues the conclusion is provisional)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CBSH.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20CBSH lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
- Today
- CBSH +5
- 53 vs 58
- 7 sessions ago
- CBSH +6
- 49 vs 55
- 30 sessions ago
- CBSH +3
- 49 vs 52
- 90 sessions ago
- BOKF +2
- 62 vs 60
The lead changed hands 3 times in this window, most recently on Aug 19 when CBSH moved ahead of BOKF.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish
No signal that the other name lacks.
2 bullish / 0 bearish / 1 neutral
Only CBSH
- Bollinger Band Squeeze — neutral, volatility, short horizon
Both carry 2 more signals that do not separate them: Golden Cross Active, MACD Bullish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.05%, AIQ +4 points).
Price is down while the AIQ Score moved up 2 points over the same session — price and model disagree (price -0.79%, AIQ +2 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1BOKF closes the Risk Resilience gap — currently 14 points behind, the largest single contributor to CBSH's edge.
- 2BOKF generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active.
- 3CBSH's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CBSH leads on balance| Metric | BOKF | CBSH |
|---|---|---|
| Revenue growth (YoY) | 6% | -14.6% |
| EPS growth (YoY) | 14% | 14.4% |
| Gross margin | 66.1% | 80.2% |
| Operating margin | 23.4% | 35% |
| Return on equity (TTM) | 10.8% | 14.4% |
| Debt to equity | 0.82 | 0.56 |
Performance
CBSH leads 4 of 6 windows| Metric | BOKF | CBSH |
|---|---|---|
| 1 week (5 sessions) | 1.4% | 2.4% |
| 1 month (20 sessions) | -3.5% | -0.2% |
| 3 months (63 sessions) | -10.7% | -5.3% |
| 6 months (126 sessions) | -5.7% | 9.9% |
| Year to date | 6.8% | 6.2% |
| 1 year (252 sessions) | 20.8% | 7.5% |
Technicals
CBSH has the stronger structure| Metric | BOKF | CBSH |
|---|---|---|
| RSI (14) | 50.2 | 57.3 |
| ADX (14) | 40.1 | 27.1 |
| Price vs 50-day | -5.4% | -3.3% |
| Price vs 200-day | -4.7% | 2.3% |
| Volatility (1M, annualized) | 20% | 15% |
Risk
CBSH is the more resilient| Metric | BOKF | CBSH |
|---|---|---|
| Beta | 0.54 | 0.25 |
| Sharpe ratio | 0.69 | 0.34 |
| Sortino ratio | 1.05 | 0.49 |
| Max drawdown | -15.9% | -14% |
| Current drawdown | -13.4% | -7.9% |
| Annualized volatility | 20.6% | 18.2% |
| Value at risk (95%) | -1.9% | -1.8% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BOKF or CBSH?
On the Algovestiq AIQ Score, CBSH is the stronger of the two as of Oct 21, 2026, scoring 58 against BOKF's 53. The edge comes from risk resilience and momentum. BOKF is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BOKF or CBSH the better buy right now?
CBSH carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor CBSH over BOKF?
The composite weights Quality, Value, Momentum and Risk Resilience. CBSH leads Risk Resilience by 14 points; CBSH leads Momentum by 13 points; BOKF leads Value by 10 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BOKF or CBSH?
Analyst price targets imply +15.5% upside for BOKF and +19.9% for CBSH, so the Street currently favors CBSH. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BOKF or CBSH?
BOKF is the better-valued of the two on the peer-relative Value factor. BOKF on the peer-relative Value factor, by 10 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BOKF or CBSH?
BOKF on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BOKF or CBSH?
CBSH on the Momentum factor, by 13 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BOKF or CBSH?
CBSH is the more resilient of the two, so the other name carries the higher downside risk. CBSH on Risk Resilience, by 14 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BOKF more profitable than CBSH?
CBSH leads on the comparable margin measures — gross margin 66.1% vs 80.2%; operating margin 23.4% vs 35%; ttm roe 10.8% vs 14.4%.
Is CBSH's lead over BOKF getting stronger or weaker?
CBSH lead: Stable — the AIQ differential has held near 5 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 3 times in that window, most recently on 2026-08-19, when CBSH moved ahead of BOKF.
What would change the BOKF vs CBSH verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BOKF closes the Risk Resilience gap — currently 14 points behind, the largest single contributor to CBSH's edge; BOKF generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active; CBSH's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about BOKF and CBSH?
BOKF: 2 bullish / 0 bearish. CBSH: 2 bullish / 0 bearish / 1 neutral. The most decision-relevant rule on BOKF is Golden Cross Active (bullish, long horizon). On CBSH it is Golden Cross Active (bullish, long horizon).
Compare BOKF and CBSH with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.