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BOKFBOK Financial Corporation
$130.33$7.9B
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BOKF logoBOK Financial Corporation(BOKF)Earnings, Financials & Key Ratios

BOKF•NASDAQ•Banking & Credit
14.2× P/E·Price updated Jun 19, 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$1.33B+9.6%
  • Total Revenue$3.33B-1.1%
  • Net Income$578M+10.4%
  • Return on Equity10.08%+2.9%
  • Net Interest Margin2.54%+4.3%
  • Efficiency Ratio42.35%+13.8%
  • ROA1.13%+7.8%
  • Equity / Assets11.33%+1.5%
  • Book Value per Share97.19+11.6%

BOKF Key Insights

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

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 42.4% efficiency ratio
  • ✓21 consecutive years of dividend growth
  • ✓Well capitalized: 11.3% equity/assets
  • ✓Share count reduced 4.4% through buybacks
  • ✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

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

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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 Years9.14%
5 Years10.18%
3 Years18.48%
TTM-

Profit CAGR

10 Years7.19%
5 Years5.85%
3 Years3.57%
TTM10.39%

EPS CAGR

10 Years8.11%
5 Years8.2%
3 Years6.13%
TTM12.78%

Return on Capital

10 Years6.59%
5 Years7.8%
3 Years6.44%
Last Year8.36%

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
Metric
Actual
Est
EPS
$2.58+12.2%
$2.30
Rev
$552M+0.2%
$551M
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$2.89+33.8%
$2.16
Rev
$560M+2.0%
$549M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$2.22+2.3%
$2.17
Rev
$538M-0.5%
$540M
Q3 2025
Jul 21, 2025
Metric
Actual
Est
EPS
$2.19+10.6%
$1.98
Rev
$529M-1.8%
$538M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.39B154.1113.336.66%19.48%11.71%0.62
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor8.04B54.7313.412.23%26.47%15.34%0.79
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.13B133.0614.5768.52%19.79%11.67%0.49
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.57B73.5611.111.03%39.31%13.16%0.22
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
CADE logoCADECadence BankDirect Competitor7.85B42.1115.2032.37%18.65%9.11%0.01
FHN logoFHNFirst Horizon CorporationProduct Competitor12.31B24.8113.200.97%19.99%10.71%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 MCO

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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
841.7M984.87M1.11B1.11B1.12B1.21B1.27B1.21B1.33B
NII Growth %
12.64%17.01%13%-0.4%0.87%8.35%5.02%-4.83%9.63%
Net Interest Margin %
2.61%2.59%2.64%2.38%2.22%2.53%2.55%2.44%2.54%
Interest Income
972.75M1.23B1.53B1.27B1.18B1.39B2.34B2.64B2.53B
Interest Expense
131.05M243.56M419.08M160.56M61.9M180.72M1.07B1.43B1.2B
Loan Loss Provision
-7M8M44M222.59M-100M30M46M18M2M
Non-Interest Income
630.8M572.75M634.33M779.56M649.34M607.3M702.63M725.28M794.37M
Non-Interest Income %
39.34%31.8%29.28%38.05%35.5%30.37%23.07%21.57%23.89%
Total Revenue
1.6B▲ 0%
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%
3.33B▼ 1.1%
Revenue Growth %
11.22%12.32%20.27%-5.43%-10.71%9.3%52.3%10.4%-1.07%
Non-Interest Expense
961.23M984.13M1.07B1.1B1.07B1.13B1.25B1.25B1.41B
Efficiency Ratio
59.94%54.64%49.5%53.77%58.56%56.44%40.9%37.22%42.35%
Operating Income
518.28M▲ 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%
711.2M▲ 6.7%
Operating Margin %
32.32%31.4%29.12%27.52%43.52%33.02%22.44%19.83%21.39%
Operating Income Growth %
53.04%9.11%11.56%-10.62%41.19%-17.08%3.5%-2.43%6.68%
Pretax Income
518.28M▲ 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%
711.2M▲ 6.7%
Pretax Margin %
32.32%31.4%29.12%27.52%43.52%33.02%22.44%19.83%21.39%
Income Tax
182.59M119.06M130.18M128.79M179.78M139.86M152.12M143.09M133.22M
Effective Tax Rate %
35.23%21.05%20.64%22.84%22.58%21.19%22.26%21.46%18.73%
Net Income
334.64M▲ 0%
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%
577.99M▲ 10.4%
Net Margin %
20.87%24.74%23.12%21.24%33.79%26.02%17.43%15.57%17.38%
Net Income Growth %
43.83%33.17%12.37%-13.13%42.09%-15.83%2.01%-1.35%10.39%
Net Income (Continuing)
335.69M446.42M500.69M435.07M616.33M520.29M531.13M523.55M577.98M
EPS (Diluted)
5.11▲ 0%
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%
9.18▲ 12.8%
EPS Growth %
44.76%30.92%5.08%-11.95%44.59%-14.19%4.43%1.5%12.78%
EPS (Basic)
5.116.697.036.198.957.688.028.149.18
Diluted Shares Outstanding
64.81M66.66M70.8M69.84M68.59M67.21M65.65M63.74M60.92M

BOKF Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
10.64B10B12.53B14.23B16B12.9B13.63B14.29B7.05B
Cash & Due from Banks
2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.43B1.66B
Short Term Investments
8.32B8.86B11.27B13.05B13.16B11.49B12.29B12.85B5.39B
Total Investments
26.9B31.41B34.71B37.09B34.65B37.58B38.65B39.04B21.11B
Investments Growth %
-0.49%16.77%10.48%6.87%-6.58%8.46%2.83%1.02%-45.93%
Long-Term Investments
18.58B22.56B23.44B24.04B21.49B26.09B26.36B26.19B15.72B
Accounts Receivables
178.8M204.96M231.81M245.88M223.02M273.81M317.92M281.09M292.98M
Goodwill & Intangibles
728.96M1.44B1.38B1.26B1.3B1.4B1.4B1.43B1.08B
Goodwill
447.43M1.05B1.05B1.05B1.04B1.04B1.04B1.04B1.04B
Intangible Assets
281.52M394.1M327.16M214.61M254.98M353.74M353.86M384.93M34.75M
PP&E (Net)
317.33M330.03M535.52M551.31M574.15M565.17M622.22M634.49M638.94M
Other Assets
1.49B3.15B3.04B6.28B10.61B6.54B7.1B6.86B27.3B
Total Current Assets
11.16B10.54B13.78B14.54B16.27B13.2B14.34B14.57B7.5B
Total Non-Current Assets
21.11B27.48B28.39B32.13B33.98B34.59B35.48B35.11B44.74B
Total Assets
32.27B▲ 0%
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%
52.24B▲ 5.1%
Asset Growth %
-1.53%17.81%10.92%10.67%7.67%-4.89%4.26%-0.28%5.14%
Return on Assets (ROA)
1.03%1.27%1.25%0.98%1.28%1.06%1.09%1.05%1.13%
Accounts Payable
164.9M192.83M259.7M323.67M273.04M296.87M339M352.35M382.81M
Total Debt
5.85B7.42B8.62B3.82B2.49B7.14B8.96B4.45B4.63B
Net Debt
3.54B6.28B7.36B2.64B-342.98M5.74B7.61B3.02B2.98B
Long-Term Debt
5.26B6.38B4.79B503.51M160.56M4.86B7.82B3.14B396.59M
Short-Term Debt
594.91M1.03B3.83B3.32B2.33B2.28B1.13B1.31B4.24B
Other Liabilities
673.09M702.16M805.9M1.09B871.53M1.19B1.37B1.14B873.69M
Total Current Liabilities
22.82B26.49B31.71B39.79B43.85B37.06B35.49B39.85B45.05B
Total Non-Current Liabilities
5.93B7.09B5.59B1.59B1.03B6.04B9.19B4.28B1.27B
Total Liabilities
28.75B33.58B37.31B41.38B44.88B43.1B44.68B44.13B46.32B
Total Equity
3.52B▲ 0%
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%
5.92B▲ 6.7%
Equity Growth %
6.41%26.28%9.47%8.79%1.45%-12.69%9.77%7.88%6.66%
Equity / Assets (Capital Ratio)
10.9%11.69%11.53%11.34%10.68%9.81%10.33%11.17%11.33%
Return on Equity (ROE)
9.81%11.2%10.76%8.57%11.6%10.35%10.8%9.79%10.08%
Book Value per Share
54.2966.6568.7075.7678.2669.7478.3787.0897.19
Tangible BV per Share
43.0445.0049.2757.6859.3148.9357.0764.6579.47
Common Stock
4K5K5K5K5K5K5K5K5K
Additional Paid-in Capital
1.04B1.33B1.35B1.37B1.38B1.39B1.41B1.43B1.43B
Retained Earnings
3.05B3.37B3.73B3.97B4.45B4.82B5.21B5.59B6.02B
Accumulated OCI
-36.17M-72.58M104.92M335.87M72.37M-836.96M-599.1M-503.04M-166.17M
Treasury Stock
-552.85M-199M-329.91M-411.34M-535.13M-694.96M-876.72M-970.34M-1.37B
Preferred Stock
000000000

BOKF Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
214.93M-552.01M-473.68M-416.26M-3.69B5.12B66.18M1.43B739.62M
Operating CF Growth %
333.75%-356.83%14.19%12.12%-787.09%238.72%-98.71%2061.36%-48.29%
Net Income
335.69M446.42M500.69M435.07M616.33M520.29M531.13M523.55M577.99M
Depreciation & Amortization
54.47M60.84M95.42M99.01M102.47M107.56M109.89M105.31M110.21M
Deferred Taxes
000000000
Other Non-Cash Items
88.63M114.97M27.13M181.48M-102.69M33.35M168.77M-242.72M6.55M
Working Capital Changes
-287.45M-1.18B-1.11B-1.15B-4.32B4.45B-759.96M1.02B22.17M
Cash from Investing
739.56M-1.81B-2.32B-2.46B2.6B-4.6B-1.79B-477.23M-1.52B
Purchase of Investments
-2.88B-2.07B-5.25B-4.7B-4.61B-4.55B-2.95B-3.47B0
Sale/Maturity of Investments
3.74B1.99B3.15B3.13B4.32B2.66B2.82B3.21B0
Net Investment Activity
863.33M-80.87M-2.1B-1.57B-289.28M-1.89B-138.2M-252.84M0
Acquisitions
0-175.75M000032.6M00
Other Investing
-123.78M-1.55B-224.96M-888.95M2.89B-2.71B-1.69B-224.39M-1.52B
Cash from Financing
-1.17B1.19B2.91B2.8B2.75B-1.95B1.67B-866.79M1.01B
Dividends Paid
-116.04M-127.19M-143.5M-144.44M-144.1M-143.8M-143.4M-142.98M-147.5M
Share Repurchases
-3.04M-53.55M-129.49M-80.76M-122.81M-159.79M-181.76M-93.62M-413.21M
Stock Issued
00000000-6.56M
Net Stock Activity
-3.04M-53.55M-129.49M-80.76M-122.81M-159.79M-181.76M-93.62M-419.77M
Debt Issuance (Net)
-1000K1000K1000K-1000K-1000K1000K1000K-1000K1000K
Other Financing
-1.04B71.26M2.07B8.11B4.43B-6.26B194.24M3.9B1.44B
Net Change in Cash
-220.44M▲ 0%
-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%
223.4M▲ 158.5%
Exchange Rate Effect
000000000
Cash at Beginning
2.54B2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.43B
Cash at End
2.32B1.14B1.26B1.18B2.84B1.4B1.35B1.43B1.66B
Interest Paid
127.51M243.12M417.07M160.29M68.78M176.08M1.04B1.43B1.21B
Income Taxes Paid
121.7M92.29M87.36M136.18M135.33M79.53M173.92M100.51M94.23M
Free Cash Flow
-35.85M▲ 0%
126.01M▲ 451.5%
-375.31M▼ 397.8%
-557.39M▼ 48.5%
-3.9B▼ 599.1%
4.91B▲ 225.9%
-99.73M▼ 102.0%
1.26B▲ 1362.2%
575.23M▼ 54.3%
FCF Growth %
93.1%451.47%-397.84%-48.51%-599.13%225.93%-102.03%1362.21%-54.31%

BOKF Banking Ratios

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

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
7.08%9.81%11.2%10.76%8.57%11.6%10.35%10.8%9.79%10.08%
Return on Assets (ROA)
0.72%1.03%1.27%1.25%0.98%1.28%1.06%1.09%1.05%1.13%
Net Interest Margin
2.28%2.61%2.59%2.64%2.38%2.22%2.53%2.55%2.44%2.54%
Efficiency Ratio
66.32%59.94%54.64%49.5%53.77%58.56%56.44%40.9%37.22%42.35%
Equity / Assets
10.09%10.9%11.69%11.53%11.34%10.68%9.81%10.33%11.17%11.33%
Book Value / Share
50.7554.2966.6568.775.7678.2669.7478.3787.0897.19
NII Growth
6.24%12.64%17.01%13%-0.4%0.87%8.35%5.02%-4.83%9.63%
Dividend Payout
48.76%34.68%28.54%28.66%33.2%23.31%27.64%27.02%27.31%25.52%
Related:BOKF Dividend History·BOKF Revenue History·BOKF Price History·BOKF P/E History·BOKF Financial Ratios·BOKF Institutional Holders

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) saw revenue decline by 1.1% over the past year.

Yes, BOK Financial Corporation (BOKF) is profitable, generating $578.0M in net income for fiscal year 2025 (17.4% net margin).

Dividend & Returns

Yes, BOK Financial Corporation (BOKF) pays a dividend with a yield of 1.86%. This makes it attractive for income-focused investors.

BOK Financial Corporation (BOKF) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.

Industry Metrics

BOK Financial Corporation (BOKF) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

BOK Financial Corporation (BOKF) has an efficiency ratio of 42.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BOKF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in BOKF be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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