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BOKF logoBOK Financial Corporation(BOKF)Earnings, Financials & Key Ratios

BOKF•NASDAQ•Banking & Credit
$134.76
$10.38B mkt cap·16.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutBOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through consumer branch network; and engages in the mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.Show more
  • Net Interest Income$1.21B-4.8%
  • Total Revenue$3.36B+10.4%
  • Net Income$524M-1.4%
  • Return on Equity9.79%-9.3%
  • Net Interest Margin2.44%-4.6%
  • Efficiency Ratio37.22%-9.0%
  • ROA1.05%-3.2%
  • Equity / Assets11.17%+8.2%
  • Book Value per Share87.08+11.1%
  • Tangible BV/Share64.65+13.3%
  • Debt/Equity0.80-53.9%
Analysis→Technical→

BOKF Key Insights

BOK Financial Corporation (BOKF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 37.2% efficiency ratio
  • ✓11 consecutive years of dividend growth
  • ✓Well capitalized: 11.2% equity/assets
  • ✓Share count reduced 2.9% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BOKF Price & Volume

BOK Financial Corporation (BOKF) stock price & volume — 10-year historical chart

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BOKF Growth Metrics

BOK Financial Corporation (BOKF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.78%
5 Years9.19%
3 Years22.49%
TTM-

Profit CAGR

10 Years6%
5 Years0.89%
3 Years-5.38%
TTM14.22%

EPS CAGR

10 Years6.79%
5 Years2.98%
3 Years-3.11%
TTM15.25%

Return on Capital

10 Years6.31%
5 Years7.43%
3 Years6.23%
Last Year5.52%

BOKF Recent Earnings

BOK Financial Corporation (BOKF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 20, 2026
EPS
$2.58
Est $2.30
+12.2%
Revenue
$552M
Est $551M
+0.2%
Q1 2026
Jan 20, 2026
EPS
$2.89
Est $2.16
+33.8%
Revenue
$560M
Est $549M
+2.0%
Q4 2025
Oct 20, 2025
EPS
$2.22
Est $2.17
+2.3%
Revenue
$538M
Est $540M
-0.5%
Q3 2025
Jul 21, 2025
EPS
$2.19
Est $1.98
+10.6%
Revenue
$529M
Est $538M
-1.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$2.58vs $2.30+12.2%
$552Mvs $551M+0.2%
Q1 2026Jan 20, 2026
$2.89vs $2.16+33.8%
$560Mvs $549M+2.0%
Q4 2025Oct 20, 2025
$2.22vs $2.17+2.3%
$538Mvs $540M-0.5%
Q3 2025Jul 21, 2025
$2.19vs $1.98+10.6%
$529Mvs $538M-1.8%
Based on last 12 quarters of dataView full earnings history →

BOKF Peer Comparison

BOK Financial Corporation (BOKF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.08B150.4613.026.66%19.48%11.35%9.03%0.62
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor7.66B52.1312.782.23%26.46%15.34%7.74%0.79
UMBF logoUMBFUMB Financial CorporationDirect Competitor9.98B131.0614.3568.52%15.81%11.67%9.8%0.49
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.58B32.2220.6518.79%30.24%13.25%6.39%0.12
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.46B71.7610.841.03%39.13%13.41%11.09%0.22
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.26B26.7013.289.47%27.7%10.86%8.03%0.30
CADE logoCADECadence BankDirect Competitor7.85B42.1115.2032.37%18.03%8.72%9.9%0.01
FHN logoFHNFirst Horizon CorporationProduct Competitor12.02B24.7813.180.97%19.72%10.74%5.23%0.50

Compare BOKF vs Peers

BOK Financial Corporation (BOKF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WTFC

Most directly comparable listed peer for BOKF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BOKF against a more recognizable public peer.

Peer Set

Compare Top 5

vs WTFC, CBSH, UMBF, FFIN

BOKF Income Statement

BOK Financial Corporation (BOKF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income747.23M841.7M984.87M1.11B1.11B1.12B1.21B1.27B1.21B1.3B
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 Income829.12M972.75M1.23B1.53B1.27B1.18B1.39B2.34B2.64B2.54B
Interest Expense81.89M131.05M243.56M419.08M160.56M61.9M180.72M1.07B1.43B1.25B
Loan Loss Provision65M-7M8M44M222.59M-100M30M46M18M2M
Non-Interest Income612.63M630.8M572.75M634.33M779.56M649.34M607.3M702.63M725.28M699.13M
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 Expense956.2M961.23M984.13M1.07B1.1B1.07B1.13B1.25B1.25B1.3B
Efficiency Ratio66.32%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 Tax106.38M182.59M119.06M130.18M128.79M179.78M139.86M152.12M143.09M150.68M
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)232.28M335.69M446.42M500.69M435.07M616.33M520.29M531.13M523.55M536.87M
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)3.535.116.697.036.198.957.688.028.14-
Diluted Shares Outstanding65.14M64.81M66.66M70.8M69.84M68.59M67.21M65.65M63.74M63.2M

BOKF Balance Sheet

BOK Financial Corporation (BOKF) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments11.21B10.64B10B12.53B14.23B16B12.9B13.63B14.29B24.42B
Cash & Due from Banks2.54B2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.43B1.43B
Short Term Investments8.68B8.32B8.86B11.27B13.05B13.16B11.49B12.29B12.85B3.18B
Total Investments27.04B26.9B31.41B34.71B37.09B34.65B37.58B38.65B39.04B30.11B
Investments Growth %1.27%-0.49%16.77%10.48%6.87%-6.58%8.46%2.83%1.02%-82.07%
Long-Term Investments18.36B18.58B22.56B23.44B24.04B21.49B26.09B26.36B26.19B105.47B
Accounts Receivables772.95M178.8M204.96M231.81M245.88M223.02M273.81M317.92M281.09M288.14M
Goodwill & Intangibles742.9M728.96M1.44B1.38B1.26B1.3B1.4B1.4B1.43B1.41B
Goodwill448.9M447.43M1.05B1.05B1.05B1.04B1.04B1.04B1.04B1.04B
Intangible Assets294M281.52M394.1M327.16M214.61M254.98M353.74M353.86M384.93M363.77M
PP&E (Net)325.85M317.33M330.03M535.52M551.31M574.15M565.17M622.22M634.49M636.26M
Other Assets1.35B1.49B3.15B3.04B6.28B10.61B6.54B7.1B6.86B16.26B
Total Current Assets11.99B11.16B10.54B13.78B14.54B16.27B13.2B14.34B14.57B4.96B
Total Non-Current Assets20.78B21.11B27.48B28.39B32.13B33.98B34.59B35.48B35.11B45.23B
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 Payable146.7M164.9M192.83M259.7M323.67M273.04M296.87M339M352.35M312.28M
Total Debt5.72B5.85B7.42B8.62B3.82B2.49B7.14B8.96B4.45B4.21B
Net Debt3.18B3.54B6.28B7.36B2.64B-342.98M5.74B7.61B3.02B2.78B
Long-Term Debt4.99B5.26B6.38B4.79B503.51M160.56M4.86B7.82B3.14B3.21B
Short-Term Debt726.59M594.91M1.03B3.83B3.32B2.33B2.28B1.13B1.31B998.78M
Other Liabilities853.82M673.09M702.16M805.9M1.09B871.53M1.19B1.37B1.14B1.15B
Total Current Liabilities23.62B22.82B26.49B31.71B39.79B43.85B37.06B35.49B39.85B39.81B
Total Non-Current Liabilities5.84B5.93B7.09B5.59B1.59B1.03B6.04B9.19B4.28B4.36B
Total Liabilities29.47B28.75B33.58B37.31B41.38B44.88B43.1B44.68B44.13B44.17B
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 Share50.7554.2966.6568.7075.7678.2669.7478.3787.0895.34
Tangible BV per Share39.3543.0445.0049.2757.6859.3148.9357.0764.6573.05
Common Stock4K4K5K5K5K5K5K5K5K5K
Additional Paid-in Capital1.01B1.04B1.33B1.35B1.37B1.38B1.39B1.41B1.43B1.45B
Retained Earnings2.82B3.05B3.37B3.73B3.97B4.45B4.82B5.21B5.59B5.88B
Accumulated OCI-10.97M-36.17M-72.58M104.92M335.87M72.37M-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 Stock0000000000

BOKF Cash Flow Statement

BOK Financial Corporation (BOKF) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations-91.95M214.93M-552.01M-473.68M-416.26M-3.69B5.12B66.18M1.43B1.43B
Operating CF Growth %-131.17%333.75%-356.83%14.19%12.12%-787.09%238.72%-98.71%2061.36%299.56%
Net Income232.28M335.69M446.42M500.69M435.07M616.33M520.29M531.13M523.55M536.84M
Depreciation & Amortization47.02M54.47M60.84M95.42M99.01M102.47M107.56M109.89M105.31M109.59M
Deferred Taxes0000000000
Other Non-Cash Items88.93M88.63M114.97M27.13M181.48M-102.69M33.35M168.77M-242.72M-26.62M
Working Capital Changes-470.65M-287.45M-1.18B-1.11B-1.15B-4.32B4.45B-759.96M1.02B876.71M
Cash from Investing-286.01M739.56M-1.81B-2.32B-2.46B2.6B-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-2.48B-2.88B-2.07B-5.24B-4.7B-4.61B-4.55B-2.95B-3.47B-2.73B
Acquisitions56.02M0-175.75M000032.6M00
Other Investing-589.48M-123.78M-1.55B-224.96M-888.95M2.89B-2.71B-1.69B-224.39M-830.4M
Cash from Financing271.85M-1.17B1.19B2.91B2.8B2.75B-1.95B1.67B-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 Issued0000000000
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-1000K1000K1000K-1000K-1000K1000K1000K-1000K-2M
Other Financing1.13B-1.04B71.26M2.07B8.11B4.43B-6.26B194.24M3.9B1.05B
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 Effect0000000000
Cash at Beginning2.64B2.54B2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.36B
Cash at End2.54B2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.43B1.43B
Interest Paid82.88M127.51M243.12M417.07M160.29M68.78M176.08M1.04B1.43B1.27B
Income Taxes Paid79.88M121.7M92.29M87.36M136.18M135.33M79.53M173.92M100.51M105.67M
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%

BOKF Banking Ratios

BOK Financial Corporation (BOKF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
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 Margin2.28%2.61%2.59%2.64%2.38%2.22%2.53%2.55%2.44%2.58%
Efficiency Ratio66.32%59.94%54.64%49.5%53.77%58.56%56.44%40.9%37.22%40.22%
Equity / Assets10.09%10.9%11.69%11.53%11.34%10.68%9.81%10.33%11.17%12%
Book Value / Share50.7554.2966.6568.775.7678.2669.7478.3787.0895.34
NII Growth6.24%12.64%17.01%13%-0.4%0.87%8.35%5.02%-4.83%8.43%
Dividend Payout48.76%34.68%28.54%28.66%33.2%23.31%27.64%27.02%27.31%27.22%

BOKF SEC Filings & Documents

BOK Financial Corporation (BOKF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 20, 2026·SEC

Material company update

Apr 6, 2026·SEC

Material company update

Feb 19, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 18, 2026·SEC

FY 2025

Feb 19, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 29, 2025·SEC

FY 2025

Jul 30, 2025·SEC

FY 2025

Apr 30, 2025·SEC

BOKF Frequently Asked Questions

BOK Financial Corporation (BOKF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BOKF

BOK Financial Corporation (BOKF) financial analysis — history, returns, DCA and operating performance tools

Full BOKF Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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