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Earnings transcript
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BOKF
BOK Financial Corporation
$128.58
0.49
(0.38%)
| Exchange: | NASDAQ |
| Market Cap: | 7.804B |
| Shares Outstanding: | 20.515M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Stacy C. Kymes | |||||
| Full Time Employees: | 5030 | |||||
| Address: |
| |||||
| Website: | https://investor.bokf.com |
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 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,045,094 | 3,361,741 | 3,325,637 |
| Gross Profit | 1,928,810 | 1,918,035 | 2,119,713 |
| EBITDA | 793,141 | 771,950 | 793,892 |
| Operating Income | 683,248 | 666,644 | 711,200 |
| Net Income | 530,746 | 523,569 | 577,990 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 49,824,830 | 49,685,892 | 52,237,501 |
| Total Liabilities | 44,679,411 | 44,134,935 | 46,316,821 |
| Total Stockholders Equity | 5,142,442 | 5,548,353 | 5,918,646 |
| Total Debt | 8,955,450 | 4,454,179 | 4,634,244 |
| Cash and Cash Equivalents | 1,348,265 | 1,434,701 | 1,001,107 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 66,183 | 1,430,454 | 575,641 |
| Capital Expenditure | 0 | -171,589 | 0 |
| Free Cash Flow | 66,183 | 1,430,454 | 575,641 |
| Net Income | 531,133 | 523,553 | 577,990 |
| Net Change in Cash | -53,451 | 86,436 | -126,395 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,485,595.329 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,485,595.336 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,485,595.333 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 797,381.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 797,381.542 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 797,381.541 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 620,278.720 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 680,128.385 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 650,203.553 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 786,660.434 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 786,660.436 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 786,660.435 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 10.670 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 11.160 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 10.180 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: BOK Financial reported strong Q2 2025 earnings of $140 million, reflecting solid profitability and operational efficiency. Key metrics such as revenue and net income from recent income statements indicate consistent growth, supported by positive momentum across business lines as highlighted in the earnings call.
- High Return Metrics: The company's return on equity (ROE) and return on invested capital (ROIC) from the latest TTM data demonstrate effective capital utilization and profitability compared to industry benchmarks, positioning BOKF as a strong performer in the financial sector.
- Stable Dividend Yield: BOKF offers a competitive dividend yield (TTM), providing attractive returns to shareholders and signaling financial stability, as evidenced by consistent dividend payments noted in cash flow statements.
- Strong Liquidity Position: Balance sheet data shows a healthy level of cash and cash equivalents alongside a favorable current ratio (TTM), indicating the ability to meet short-term obligations and invest in growth opportunities.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BOKF intrinsic value between $185.21 – $330.19 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BOKF valuation
Is BOK Financial Corporation (BOKF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for BOK Financial Corporation (BOKF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BOKF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BOKF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BOKF’s P/E ratio?
You can see BOKF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BOKF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BOKF a good long-term investment?
Whether BOKF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BOKF
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Daily snapshot
0.38
Trading Metrics:
| Open: | 125.5 | Previous Close: | 128.09 | |
| Day Low: | 125.5 | Day High: | 128.8 | |
| Year Low: | 85.08 | Year High: | 138.42 | |
| Price Avg 50: | 129.44 | Price Avg 200: | 114.82 | |
| Volume: | 227222 | Average Volume: | 365667 |
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Login — it's freeBOKF full analysis
Welcome to MARKETSNAP’s SWOT analysis for BOK Financial Corporation, also known by its ticker BOKF. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, where it shines, and where it might stumble. Let’s break it down together and see if this stock deserves a spot in your portfolio. First, let’s get a quick lay of the…
