8-K Announcements
6Apr 20, 2026·SEC
Apr 6, 2026·SEC
Feb 19, 2026·SEC
BOK Financial Corporation (BOKF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BOK Financial Corporation (BOKF) stock price & volume — 10-year historical chart
BOK Financial Corporation (BOKF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
BOK Financial Corporation (BOKF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $2.58vs $2.30+12.2% | $552Mvs $551M+0.2% |
| Q1 2026 | Jan 20, 2026 | $2.89vs $2.16+33.8% | $560Mvs $549M+2.0% |
| Q4 2025 | Oct 20, 2025 | $2.22vs $2.17+2.3% | $538Mvs $540M-0.5% |
| Q3 2025 | Jul 21, 2025 | $2.19vs $1.98+10.6% | $529Mvs $538M-1.8% |
BOK Financial Corporation (BOKF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
BOK Financial Corporation (BOKF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BOK Financial Corporation (BOKF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 747.23M | 841.7M | 984.87M | 1.11B | 1.11B | 1.12B | 1.21B | 1.27B | 1.21B | 1.3B |
| NII Growth % | 6.24% | 12.64% | 17.01% | 13% | -0.4% | 0.87% | 8.35% | 5.02% | -4.83% | 33.69% |
| Net Interest Margin % | 2.28% | 2.61% | 2.59% | 2.64% | 2.38% | 2.22% | 2.53% | 2.55% | 2.44% | 2.58% |
| Interest Income | 829.12M | 972.75M | 1.23B | 1.53B | 1.27B | 1.18B | 1.39B | 2.34B | 2.64B | 2.54B |
| Interest Expense | 81.89M | 131.05M | 243.56M | 419.08M | 160.56M | 61.9M | 180.72M | 1.07B | 1.43B | 1.25B |
| Loan Loss Provision | 65M | -7M | 8M | 44M | 222.59M | -100M | 30M | 46M | 18M | 2M |
| Non-Interest Income | 612.63M | 630.8M | 572.75M | 634.33M | 779.56M | 649.34M | 607.3M | 702.63M | 725.28M | 699.13M |
| Non-Interest Income % | 42.49% | 39.34% | 31.8% | 29.28% | 38.05% | 35.5% | 30.37% | 23.07% | 21.57% | 21.55% |
| Total Revenue | 1.44B▲ 0% | 1.6B▲ 11.2% | 1.8B▲ 12.3% | 2.17B▲ 20.3% | 2.05B▼ 5.4% | 1.83B▼ 10.7% | 2B▲ 9.3% | 3.05B▲ 52.3% | 3.36B▲ 10.4% | 3.24B▲ 0% |
| Revenue Growth % | 3.99% | 11.22% | 12.32% | 20.27% | -5.43% | -10.71% | 9.3% | 52.3% | 10.4% | -17.54% |
| Non-Interest Expense | 956.2M | 961.23M | 984.13M | 1.07B | 1.1B | 1.07B | 1.13B | 1.25B | 1.25B | 1.3B |
| Efficiency Ratio | 66.32% | 59.94% | 54.64% | 49.5% | 53.77% | 58.56% | 56.44% | 40.9% | 37.22% | 40.22% |
| Operating Income | 338.66M▲ 0% | 518.28M▲ 53.0% | 565.49M▲ 9.1% | 630.87M▲ 11.6% | 563.86M▼ 10.6% | 796.1M▲ 41.2% | 660.16M▼ 17.1% | 683.25M▲ 3.5% | 666.64M▼ 2.4% | 687.54M▲ 0% |
| Operating Margin % | 23.49% | 32.32% | 31.4% | 29.12% | 27.52% | 43.52% | 33.02% | 22.44% | 19.83% | 21.2% |
| Operating Income Growth % | -21.54% | 53.04% | 9.11% | 11.56% | -10.62% | 41.19% | -17.08% | 3.5% | -2.43% | - |
| Pretax Income | 338.66M▲ 0% | 518.28M▲ 53.0% | 565.49M▲ 9.1% | 630.87M▲ 11.6% | 563.86M▼ 10.6% | 796.1M▲ 41.2% | 660.16M▼ 17.1% | 683.25M▲ 3.5% | 666.64M▼ 2.4% | 687.54M▲ 0% |
| Pretax Margin % | 23.49% | 32.32% | 31.4% | 29.12% | 27.52% | 43.52% | 33.02% | 22.44% | 19.83% | 21.2% |
| Income Tax | 106.38M | 182.59M | 119.06M | 130.18M | 128.79M | 179.78M | 139.86M | 152.12M | 143.09M | 150.68M |
| Effective Tax Rate % | 31.41% | 35.23% | 21.05% | 20.64% | 22.84% | 22.58% | 21.19% | 22.26% | 21.46% | 21.92% |
| Net Income | 232.67M▲ 0% | 334.64M▲ 43.8% | 445.65M▲ 33.2% | 500.76M▲ 12.4% | 435.03M▼ 13.1% | 618.12M▲ 42.1% | 520.27M▼ 15.8% | 530.75M▲ 2.0% | 523.57M▼ 1.4% | 536.84M▲ 0% |
| Net Margin % | 16.14% | 20.87% | 24.74% | 23.12% | 21.24% | 33.79% | 26.02% | 17.43% | 15.57% | 16.55% |
| Net Income Growth % | -19.37% | 43.83% | 33.17% | 12.37% | -13.13% | 42.09% | -15.83% | 2.01% | -1.35% | 14.22% |
| Net Income (Continuing) | 232.28M | 335.69M | 446.42M | 500.69M | 435.07M | 616.33M | 520.29M | 531.13M | 523.55M | 536.87M |
| EPS (Diluted) | 3.53▲ 0% | 5.11▲ 44.8% | 6.69▲ 30.9% | 7.03▲ 5.1% | 6.19▼ 11.9% | 8.95▲ 44.6% | 7.68▼ 14.2% | 8.02▲ 4.4% | 8.14▲ 1.5% | 8.49▲ 0% |
| EPS Growth % | -16.15% | 44.76% | 30.92% | 5.08% | -11.95% | 44.59% | -14.19% | 4.43% | 1.5% | 15.25% |
| EPS (Basic) | 3.53 | 5.11 | 6.69 | 7.03 | 6.19 | 8.95 | 7.68 | 8.02 | 8.14 | - |
| Diluted Shares Outstanding | 65.14M | 64.81M | 66.66M | 70.8M | 69.84M | 68.59M | 67.21M | 65.65M | 63.74M | 63.2M |
BOK Financial Corporation (BOKF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 11.21B | 10.64B | 10B | 12.53B | 14.23B | 16B | 12.9B | 13.63B | 14.29B | 24.42B |
| Cash & Due from Banks | 2.54B | 2.32B | 1.14B | 1.26B | 1.18B | 2.84B | 1.4B | 1.35B | 1.43B | 1.43B |
| Short Term Investments | 8.68B | 8.32B | 8.86B | 11.27B | 13.05B | 13.16B | 11.49B | 12.29B | 12.85B | 3.18B |
| Total Investments | 27.04B | 26.9B | 31.41B | 34.71B | 37.09B | 34.65B | 37.58B | 38.65B | 39.04B | 30.11B |
| Investments Growth % | 1.27% | -0.49% | 16.77% | 10.48% | 6.87% | -6.58% | 8.46% | 2.83% | 1.02% | -82.07% |
| Long-Term Investments | 18.36B | 18.58B | 22.56B | 23.44B | 24.04B | 21.49B | 26.09B | 26.36B | 26.19B | 105.47B |
| Accounts Receivables | 772.95M | 178.8M | 204.96M | 231.81M | 245.88M | 223.02M | 273.81M | 317.92M | 281.09M | 288.14M |
| Goodwill & Intangibles | 742.9M | 728.96M | 1.44B | 1.38B | 1.26B | 1.3B | 1.4B | 1.4B | 1.43B | 1.41B |
| Goodwill | 448.9M | 447.43M | 1.05B | 1.05B | 1.05B | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B |
| Intangible Assets | 294M | 281.52M | 394.1M | 327.16M | 214.61M | 254.98M | 353.74M | 353.86M | 384.93M | 363.77M |
| PP&E (Net) | 325.85M | 317.33M | 330.03M | 535.52M | 551.31M | 574.15M | 565.17M | 622.22M | 634.49M | 636.26M |
| Other Assets | 1.35B | 1.49B | 3.15B | 3.04B | 6.28B | 10.61B | 6.54B | 7.1B | 6.86B | 16.26B |
| Total Current Assets | 11.99B | 11.16B | 10.54B | 13.78B | 14.54B | 16.27B | 13.2B | 14.34B | 14.57B | 4.96B |
| Total Non-Current Assets | 20.78B | 21.11B | 27.48B | 28.39B | 32.13B | 33.98B | 34.59B | 35.48B | 35.11B | 45.23B |
| Total Assets | 32.77B▲ 0% | 32.27B▼ 1.5% | 38.02B▲ 17.8% | 42.17B▲ 10.9% | 46.67B▲ 10.7% | 50.25B▲ 7.7% | 47.79B▼ 4.9% | 49.82B▲ 4.3% | 49.69B▼ 0.3% | 50.19B▲ 0% |
| Asset Growth % | 4.12% | -1.53% | 17.81% | 10.92% | 10.67% | 7.67% | -4.89% | 4.26% | -0.28% | 1.74% |
| Return on Assets (ROA) | 0.72% | 1.03% | 1.27% | 1.25% | 0.98% | 1.28% | 1.06% | 1.09% | 1.05% | 1.07% |
| Accounts Payable | 146.7M | 164.9M | 192.83M | 259.7M | 323.67M | 273.04M | 296.87M | 339M | 352.35M | 312.28M |
| Total Debt | 5.72B | 5.85B | 7.42B | 8.62B | 3.82B | 2.49B | 7.14B | 8.96B | 4.45B | 4.21B |
| Net Debt | 3.18B | 3.54B | 6.28B | 7.36B | 2.64B | -342.98M | 5.74B | 7.61B | 3.02B | 2.78B |
| Long-Term Debt | 4.99B | 5.26B | 6.38B | 4.79B | 503.51M | 160.56M | 4.86B | 7.82B | 3.14B | 3.21B |
| Short-Term Debt | 726.59M | 594.91M | 1.03B | 3.83B | 3.32B | 2.33B | 2.28B | 1.13B | 1.31B | 998.78M |
| Other Liabilities | 853.82M | 673.09M | 702.16M | 805.9M | 1.09B | 871.53M | 1.19B | 1.37B | 1.14B | 1.15B |
| Total Current Liabilities | 23.62B | 22.82B | 26.49B | 31.71B | 39.79B | 43.85B | 37.06B | 35.49B | 39.85B | 39.81B |
| Total Non-Current Liabilities | 5.84B | 5.93B | 7.09B | 5.59B | 1.59B | 1.03B | 6.04B | 9.19B | 4.28B | 4.36B |
| Total Liabilities | 29.47B | 28.75B | 33.58B | 37.31B | 41.38B | 44.88B | 43.1B | 44.68B | 44.13B | 44.17B |
| Total Equity | 3.31B▲ 0% | 3.52B▲ 6.4% | 4.44B▲ 26.3% | 4.86B▲ 9.5% | 5.29B▲ 8.8% | 5.37B▲ 1.5% | 4.69B▼ 12.7% | 5.15B▲ 9.8% | 5.55B▲ 7.9% | 6.02B▲ 0% |
| Equity Growth % | 1.18% | 6.41% | 26.28% | 9.47% | 8.79% | 1.45% | -12.69% | 9.77% | 7.88% | 40.34% |
| Equity / Assets (Capital Ratio) | 10.09% | 10.9% | 11.69% | 11.53% | 11.34% | 10.68% | 9.81% | 10.33% | 11.17% | 12% |
| Return on Equity (ROE) | 7.08% | 9.81% | 11.2% | 10.76% | 8.57% | 11.6% | 10.35% | 10.8% | 9.79% | 8.91% |
| Book Value per Share | 50.75 | 54.29 | 66.65 | 68.70 | 75.76 | 78.26 | 69.74 | 78.37 | 87.08 | 95.34 |
| Tangible BV per Share | 39.35 | 43.04 | 45.00 | 49.27 | 57.68 | 59.31 | 48.93 | 57.07 | 64.65 | 73.05 |
| Common Stock | 4K | 4K | 5K | 5K | 5K | 5K | 5K | 5K | 5K | 5K |
| Additional Paid-in Capital | 1.01B | 1.04B | 1.33B | 1.35B | 1.37B | 1.38B | 1.39B | 1.41B | 1.43B | 1.45B |
| Retained Earnings | 2.82B | 3.05B | 3.37B | 3.73B | 3.97B | 4.45B | 4.82B | 5.21B | 5.59B | 5.88B |
| Accumulated OCI | -10.97M | -36.17M | -72.58M | 104.92M | 335.87M | 72.37M | -836.96M | -599.1M | -503.04M | -226.66M |
| Treasury Stock | -544.05M | -552.85M | -199M | -329.91M | -411.34M | -535.13M | -694.96M | -876.72M | -970.34M | -1.08B |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BOK Financial Corporation (BOKF) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -91.95M | 214.93M | -552.01M | -473.68M | -416.26M | -3.69B | 5.12B | 66.18M | 1.43B | 1.43B |
| Operating CF Growth % | -131.17% | 333.75% | -356.83% | 14.19% | 12.12% | -787.09% | 238.72% | -98.71% | 2061.36% | 299.56% |
| Net Income | 232.28M | 335.69M | 446.42M | 500.69M | 435.07M | 616.33M | 520.29M | 531.13M | 523.55M | 536.84M |
| Depreciation & Amortization | 47.02M | 54.47M | 60.84M | 95.42M | 99.01M | 102.47M | 107.56M | 109.89M | 105.31M | 109.59M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 88.93M | 88.63M | 114.97M | 27.13M | 181.48M | -102.69M | 33.35M | 168.77M | -242.72M | -26.62M |
| Working Capital Changes | -470.65M | -287.45M | -1.18B | -1.11B | -1.15B | -4.32B | 4.45B | -759.96M | 1.02B | 876.71M |
| Cash from Investing | -286.01M | 739.56M | -1.81B | -2.32B | -2.46B | 2.6B | -4.6B | -1.79B | -477.23M | -921.23M |
| Purchase of Investments | -2.48B | -2.88B | -2.07B | -5.25B | -4.7B | -4.61B | -4.55B | -2.95B | -3.47B | -2.73B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -2.48B | -2.88B | -2.07B | -5.24B | -4.7B | -4.61B | -4.55B | -2.95B | -3.47B | -2.73B |
| Acquisitions | 56.02M | 0 | -175.75M | 0 | 0 | 0 | 0 | 32.6M | 0 | 0 |
| Other Investing | -589.48M | -123.78M | -1.55B | -224.96M | -888.95M | 2.89B | -2.71B | -1.69B | -224.39M | -830.4M |
| Cash from Financing | 271.85M | -1.17B | 1.19B | 2.91B | 2.8B | 2.75B | -1.95B | 1.67B | -866.79M | -647.28M |
| Dividends Paid | -113.45M | -116.04M | -127.19M | -143.5M | -144.44M | -144.1M | -143.8M | -143.4M | -142.98M | -146.14M |
| Share Repurchases | -54.34M | -3.04M | -53.55M | -129.49M | -80.76M | -122.81M | -159.79M | -181.76M | -93.62M | -111.19M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -54.34M | -3.04M | -53.55M | -129.49M | -80.76M | -122.81M | -159.79M | -181.76M | -93.62M | -111.19M |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -2M |
| Other Financing | 1.13B | -1.04B | 71.26M | 2.07B | 8.11B | 4.43B | -6.26B | 194.24M | 3.9B | 1.05B |
| Net Change in Cash | -106.1M▲ 0% | -220.44M▼ 107.8% | -1.17B▼ 432.4% | 115.4M▲ 109.8% | -78.25M▼ 167.8% | 1.66B▲ 2217.4% | -1.44B▼ 186.7% | -53.45M▲ 96.3% | 86.44M▲ 261.7% | -50M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 2.64B | 2.54B | 2.32B | 1.14B | 1.26B | 1.18B | 2.84B | 1.4B | 1.35B | 1.36B |
| Cash at End | 2.54B | 2.32B | 1.14B | 1.26B | 1.18B | 2.84B | 1.4B | 1.35B | 1.43B | 1.43B |
| Interest Paid | 82.88M | 127.51M | 243.12M | 417.07M | 160.29M | 68.78M | 176.08M | 1.04B | 1.43B | 1.27B |
| Income Taxes Paid | 79.88M | 121.7M | 92.29M | 87.36M | 136.18M | 135.33M | 79.53M | 173.92M | 100.51M | 105.67M |
| Free Cash Flow | -91.95M▲ 0% | 214.93M▲ 333.8% | -552.01M▼ 356.8% | -473.68M▲ 14.2% | -416.26M▲ 12.1% | -3.69B▼ 787.1% | 5.12B▲ 238.7% | 66.18M▼ 98.7% | 1.43B▲ 2061.4% | 1.52B▲ 0% |
| FCF Growth % | -131.07% | 333.75% | -356.83% | 14.19% | 12.12% | -787.09% | 238.72% | -98.71% | 2061.36% | 255.05% |
BOK Financial Corporation (BOKF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.08% | 9.81% | 11.2% | 10.76% | 8.57% | 11.6% | 10.35% | 10.8% | 9.79% | 8.91% |
| Return on Assets (ROA) | 0.72% | 1.03% | 1.27% | 1.25% | 0.98% | 1.28% | 1.06% | 1.09% | 1.05% | 1.07% |
| Net Interest Margin | 2.28% | 2.61% | 2.59% | 2.64% | 2.38% | 2.22% | 2.53% | 2.55% | 2.44% | 2.58% |
| Efficiency Ratio | 66.32% | 59.94% | 54.64% | 49.5% | 53.77% | 58.56% | 56.44% | 40.9% | 37.22% | 40.22% |
| Equity / Assets | 10.09% | 10.9% | 11.69% | 11.53% | 11.34% | 10.68% | 9.81% | 10.33% | 11.17% | 12% |
| Book Value / Share | 50.75 | 54.29 | 66.65 | 68.7 | 75.76 | 78.26 | 69.74 | 78.37 | 87.08 | 95.34 |
| NII Growth | 6.24% | 12.64% | 17.01% | 13% | -0.4% | 0.87% | 8.35% | 5.02% | -4.83% | 8.43% |
| Dividend Payout | 48.76% | 34.68% | 28.54% | 28.66% | 33.2% | 23.31% | 27.64% | 27.02% | 27.31% | 27.22% |
BOK Financial Corporation (BOKF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 20, 2026·SEC
Apr 6, 2026·SEC
Feb 19, 2026·SEC
BOK Financial Corporation (BOKF) stock FAQ — growth, dividends, profitability & financials explained
BOK Financial Corporation (BOKF) grew revenue by 10.4% over the past year. This is steady growth.
Yes, BOK Financial Corporation (BOKF) is profitable, generating $536.8M in net income for fiscal year 2024 (15.6% net margin).
Yes, BOK Financial Corporation (BOKF) pays a dividend with a yield of 1.66%. This makes it attractive for income-focused investors.
BOK Financial Corporation (BOKF) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.
BOK Financial Corporation (BOKF) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
BOK Financial Corporation (BOKF) has an efficiency ratio of 37.2%. This is excellent, indicating strong cost control.
BOK Financial Corporation (BOKF) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates