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Earnings transcript
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BOKF
BOK Financial Corporation
$130.86
1.92
(1.49%)
| Exchange: | NASDAQ |
| Market Cap: | 7.951B |
| Shares Outstanding: | 20.515M |
Delayed data
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 (BOKF) functions as the holding company for its primary banking subsidiary, BOKF, NA, delivering a comprehensive suite of financial products and services. Its operations span a multi-state region, including Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and parts of Kansas and Missouri. The company’s business is strategically organized into three distinct divisions: Commercial Banking: This segment caters to diverse business clientele, ranging from small enterprises to large corporations. It provides essential services like corporate lending, treasury management, cash flow solutions, and risk management for commodity exposure. This segment also manages the extensive TransFund electronic funds transfer (EFT) network. Consumer Banking: This division focuses on individual and small business clients, offering deposit accounts and various loan products through its consumer branch network. Furthermore, it handles the origination and servicing of residential mortgage loans. Wealth Management: This group delivers a range of specialized financial services, including fiduciary responsibilities, private banking, insurance offerings, and investment advisory. This segment also encompasses brokerage and trading activities, notably facilitating liquidity in mortgage markets through the trading of U.S. government agency mortgage-backed securities and associated derivatives, in addition to underwriting state and municipal bonds. Beyond segment-specific offerings, the corporation extends a variety of loan products. These include commercial loans tailored for working capital, equipment purchases, facility expansion or acquisition, and general operational needs, serving diverse sectors such as service, healthcare, manufacturing, wholesale/retail, and energy. It also finances commercial real estate projects, including construction and property investments, alongside residential mortgages and personal loans. Customers also benefit from modern banking conveniences, such as automated teller machines (ATMs), a dedicated call center, and robust online and mobile banking platforms. As of December 31, 2021, its TransFund ATM network alone comprised 2,593 locations. Established in 1910, the company maintains its corporate headquarters 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) | 2,489,604.829 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,489,604.836 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,489,604.833 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 798,667.792 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 798,667.794 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 798,667.793 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 617,205.461 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 695,385.031 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 656,295.246 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 787,929.392 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 787,929.394 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 787,929.393 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 10.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 11.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 10.130 | 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.
[intrinsic_calculator]
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
1.49
Trading Metrics:
| Open: | 129.89 | Previous Close: | 128.94 | |
| Day Low: | 129.88 | Day High: | 132.89 | |
| Year Low: | 91.35 | Year High: | 139.73 | |
| Price Avg 50: | 131.12 | Price Avg 200: | 121.53 | |
| Volume: | 282623 | Average Volume: | 319700 |
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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…
