BOK Financial Corporation
NASDAQ•BOKF
CEO: Mr. Stacy C. Kymes
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1991-09-05
BOK 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 engages in the provision of retail lending and deposit services to small business customers through retail branch network; and 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 improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
Contact Information
Bank of Oklahoma Tower, Boston Avenue at Second Street, Tulsa, OK, 74172, United States
918-588-6000
Market Cap
$8.18B
P/E (TTM)
13.2
16.8
Dividend Yield
1.8%
52W High
$139.73
52W Low
$91.35
52W Range
Rank33Top 25.7%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$827.19M+0.00%
4-Quarter Trend
EPS
$2.58+0.00%
4-Quarter Trend
FCF
$50.99M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Rises Significantly Net income reached $578.0M, up from $523.6M last year; diluted EPS improved to $9.17 from $8.14.
NIM Expands Due to Yields Total NIM increased to 2.87% from 2.65%, driven by improving AFS securities yields and funding shift from wholesale borrowings.
Total Assets Reach $52 Billion Consolidated assets grew to $52.24B, supported by $1.5B loan portfolio growth and expansion of the AFS securities portfolio.
Strong Capital Ratios Maintained CET1 ratio stood at 12.90% at year-end 2025, exceeding regulatory minimums and maintaining well-capitalized status.
Risk Factors
Nonaccruals Increase Modestly Non-guaranteed nonperforming assets rose to $66.0M from $42.0M, driven by increases in nonaccruing healthcare and general business loans.
Interest Rate Risk Exposure Significant portion of loan portfolio (84%) is rate-sensitive; adverse interest rate changes could compress net interest income relative to revenue.
Regional Economic Concentration High geographic concentration in Texas (33% of loans) and exposure to cyclical energy industry (11% of loans) pose regional economic risks.
Cybersecurity and Technology Failure Continued reliance on technology and third-party providers heightens risk of operational disruption, data breaches, and increased compliance costs.
Outlook
Moderating Inflation Outlook Base case forecasts inflation normalizing to 2.6% by Q4 2026, supported by two expected Federal Reserve rate cuts over the horizon.
Lower Credit Loss Provisioning Full-year provision for credit losses was $2.0M, reflecting improved credit quality and economic outlook, partially offsetting loan growth.
Focus on Contiguous Market Growth Strategy emphasizes building leadership in Oklahoma while expanding into contiguous high-growth metropolitan areas through targeted acquisitions.
Opportunistic Share Repurchases Management views share buybacks opportunistically within the context of maintaining strong capital position, repurchasing 3.0M shares in 2025.
Peer Comparison
Revenue (TTM)
$4.46B
$3.36B
$2.21B
Gross Margin (Latest Quarter)
100.0%
81.6%
80.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| UMBF | $10.29B | 11.7 | 11.7% | 5.5% |
| BOKF | $8.18B | 13.2 | 10.3% | 12.8% |
| CBSH | $8.14B | 14.1 | 14.9% | 7.2% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.6%
Flat Growth
4Q Net Income CAGR
3.6%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Jul 20, 2026
EPS:$2.47
|Revenue:$563.83M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data