BOK Financial (BOKF) Financials

$93.38 -0.16 (-0.17%)

As of 12:52 PM Eastern

Annual Income Statements for BOK Financial

This table shows BOK Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	524	531	520	618	435	501	446	335	233	289
Consolidated Net Income / (Loss)	524	531	520	616	435	501	446	336	232	292
Net Income / (Loss) Continuing Operations	524	531	520	616	435	501	446	336	232	292
Total Pre-Tax Income	667	683	660	796	564	631	565	518	339	432
Total Revenue	2,050	2,062	1,855	1,874	1,951	1,808	1,602	1,537	1,421	1,362
Net Interest Income / (Expense)	1,211	1,272	1,211	1,118	1,108	1,113	985	842	747	703
Total Interest Income	2,636	2,342	1,392	1,180	1,269	1,532	1,228	973	829	767
Loans and Leases Interest Income	1,766	1,635	983	775	896	1,131	900	705	594	543
Investment Securities Interest Income	842	675	398	398	359	374	250	232	210	208
Deposits and Money Market Investments Interest Income	28	32	12	1.06	2.83	-	-	-	-	-
Total Interest Expense	1,426	1,070	181	62	161	419	244	131	82	63
Deposits Interest Expense	1,026	627	122	33	90	176	96	54	40	44
Short-Term Borrowings Interest Expense	391	435	52	18	57	228	138	69	35	14
Long-Term Debt Interest Expense	9.22	8.95	6.49	11	14	15	9.83	8.24	6.30	5.10
Total Non-Interest Income	840	790	643	756	842	695	617	695	674	658
Other Service Charges	810	781	657	668	810	702	643	681	686	269
Net Realized & Unrealized Capital Gains on Investments	11	12	-94	46	112	47	-31	14	-9.62	13
Other Non-Interest Income	18	-3.12	80	42	-80	-54	4.67	0.17	-2.19	121
Provision for Credit Losses	18	46	30	-100	223	44	8.00	-7.00	65	34
Total Non-Interest Expense	1,366	1,333	1,164	1,178	1,164	1,133	1,028	1,026	1,018	896
Salaries and Employee Benefits	811	767	671	695	688	661	583	573	553	515
Net Occupancy & Equipment Expense	313	303	283	260	248	235	213	233	212	198
Marketing Expense	33	32	26	16	15	36	31	29	27	28
Property & Liability Insurance Claims	31	31	18	16	20	21	23	20	32	20
Other Operating Expenses	160	143	151	172	173	160	152	154	183	128
Amortization Expense	12	14	16	18	20	21	9.62	6.78	6.86	4.36
Other Special Charges	5.52	44	0.00	0.00	-	-	17	9.69	3.36	1.45
Income Tax Expense	143	152	140	180	129	130	119	183	106	139
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.02	0.39	0.02	-1.80	0.04	-0.07	0.78	1.04	-0.39	3.69
Basic Earnings per Share	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.22
Weighted Average Basic Shares Outstanding	63.75M	65.65M	67.21M	68.59M	69.84M	70.79M	66.63M	64.75M	65.09M	67.59M
Diluted Earnings per Share	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.21
Weighted Average Diluted Shares Outstanding	63.75M	65.65M	67.21M	68.59M	69.84M	70.80M	66.66M	64.81M	65.14M	67.69M
Weighted Average Basic & Diluted Shares Outstanding	64.23M	65.06M	66.97M	68.32M	69.58M	70.69M	67.19M	65.44M	65.90M	68.40M
Cash Dividends to Common per Share	$2.22	$2.17	$2.13	$2.09	$2.05	$2.01	$1.90	$1.77	$1.73	$1.69

This table shows BOK Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	120	136	140	164	84	83	134	151	162	168	157
Consolidated Net Income / (Loss)	120	136	140	164	84	83	134	152	162	168	157
Net Income / (Loss) Continuing Operations	120	136	140	164	84	83	134	152	162	168	157
Total Pre-Tax Income	155	175	173	211	107	111	168	196	208	216	196
Total Revenue	502	523	516	556	455	502	499	531	530	550	506
Net Interest Income / (Expense)	316	313	308	296	294	297	301	322	352	353	316
Total Interest Income	619	639	680	672	645	638	617	570	517	452	363
Loans and Leases Interest Income	397	423	455	448	440	439	427	400	369	331	266
Investment Securities Interest Income	141	353	218	141	130	225	182	161	107	178	94
Deposits and Money Market Investments Interest Income	6.23	6.32	7.13	7.78	7.01	8.10	8.20	9.55	6.51	5.82	3.52
Trading Account Interest Income	74	-	-	75	68	-	-	-	34	-	-
Total Interest Expense	302	326	372	376	352	342	316	248	164	99	47
Deposits Interest Expense	241	258	271	255	242	210	185	137	95	66	35
Short-Term Borrowings Interest Expense	59	66	99	119	107	129	129	109	67	31	10
Long-Term Debt Interest Expense	2.08	2.24	2.36	2.31	2.31	2.34	2.32	2.22	2.07	2.04	1.68
Total Non-Interest Income	186	210	208	260	162	205	198	209	178	197	190
Other Service Charges	184	207	202	200	201	197	198	200	186	194	193
Net Realized & Unrealized Capital Gains on Investments	9.17	-17	22	56	-50	22	-7.74	-0.71	-2.06	6.42	-20
Other Non-Interest Income	-7.24	20	-16	3.45	11	-14	8.04	9.26	-6.06	-2.90	17
Provision for Credit Losses	0.00	-	2.00	8.00	8.00	6.00	7.00	17	16	15	15
Total Non-Interest Expense	348	348	341	337	340	384	324	319	306	318	295
Salaries and Employee Benefits	214	211	207	191	203	203	191	191	182	186	170
Net Occupancy & Equipment Expense	81	81	80	76	76	76	78	75	73	72	71
Marketing Expense	8.82	9.37	7.68	8.25	7.98	8.63	6.96	7.64	8.57	7.47	6.13
Property & Liability Insurance Claims	6.59	6.86	8.19	7.32	8.74	8.50	8.00	6.97	7.32	4.68	4.31
Other Operating Expenses	35	30	37	51	42	41	37	35	31	44	39
Amortization Expense	2.65	2.86	2.86	2.90	3.00	3.54	3.47	3.47	3.39	3.74	3.94
Income Tax Expense	35	39	33	47	23	29	33	44	46	48	40
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.01	-	-0.03	0.02	-0.01	-0.05	-0.02	0.33	0.13	-0.04	0.08
Basic Earnings per Share	$1.86	$2.13	$2.18	$2.54	$1.29	$1.28	$2.04	$2.27	$2.43	$2.49	$2.32
Weighted Average Basic Shares Outstanding	63.55M	63.75M	63.49M	63.71M	64.29M	65.65M	65.55M	65.99M	66.33M	67.21M	67.00M
Diluted Earnings per Share	$1.86	$2.13	$2.18	$2.54	$1.29	$1.28	$2.04	$2.27	$2.43	$2.49	$2.32
Weighted Average Diluted Shares Outstanding	63.55M	63.75M	63.49M	63.71M	64.29M	65.65M	65.55M	65.99M	66.33M	67.21M	67.00M
Weighted Average Basic & Diluted Shares Outstanding	64.26M	64.23M	64.12M	64.13M	64.52M	65.06M	65.66M	66.37M	66.60M	66.97M	67.25M
Cash Dividends to Common per Share	$0.57	$0.57	$0.55	$0.55	$0.55	$0.55	$0.54	$0.54	$0.54	$0.54	$0.53

This table details how cash moves in and out of BOK Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	86	-53	-1,436	1,657	-78	115	-1,174	-220	-106	168
Net Cash From Operating Activities	1,430	66	5,122	-3,693	-416	-474	-552	215	-92	296
Net Cash From Continuing Operating Activities	1,430	66	5,122	-3,693	-416	-474	-552	215	-92	296
Net Income / (Loss) Continuing Operations	524	531	520	616	435	501	446	336	232	292
Consolidated Net Income / (Loss)	524	531	520	616	435	501	446	336	232	292
Provision For Loan Losses	18	46	30	-100	223	44	8.00	-7.00	65	34
Depreciation Expense	105	110	108	102	99	95	61	54	47	38
Amortization Expense	-45	-20	9.22	18	5.36	-17	31	29	42	55
Non-Cash Adjustments to Reconcile Net Income	-224	132	-26	-50	-72	-23	47	57	-48	-79
Changes in Operating Assets and Liabilities, net	1,052	-733	4,481	-4,280	-1,107	-1,073	-1,145	-254	-430	-44
Net Cash From Investing Activities	-477	-1,791	-4,603	2,603	-2,459	-2,324	-1,808	740	-286	-2,001
Net Cash From Continuing Investing Activities	-477	-1,791	-4,603	2,603	-2,459	-2,324	-1,808	740	-286	-2,001
Purchase of Investment Securities	-3,822	-4,439	-7,324	-1,797	-5,941	-5,525	-4,148	-3,208	-3,300	-5,447
Divestitures	0.00	33	0.00	0.00	-	-	-	-	-	-
Sale and/or Maturity of Investments	3,244	2,701	2,711	4,410	3,489	3,175	2,302	4,016	2,981	3,411
Other Investing Activities, net	101	-86	9.63	-10	-6.36	25	38	-69	33	34
Net Cash From Financing Activities	-867	1,672	-1,955	2,747	2,797	2,913	1,186	-1,175	272	1,873
Net Cash From Continuing Financing Activities	-867	1,672	-1,955	2,747	2,797	2,913	1,186	-1,175	272	1,873
Net Change in Deposits	4,172	-461	-6,761	5,098	8,523	2,357	-87	-687	1,061	-53
Issuance of Debt	-4,527	-	4,610	-1,269	-5,091	-	1,295	-	145	2,548
Issuance of Common Equity	-3.76	-4.94	-4.91	-4.87	-4.93	-0.01	-	4.37	12	6.71
Repurchase of Common Equity	-90	-177	-155	-118	-76	-129	-54	-7.40	-67	-230
Payment of Dividends	-143	-143	-144	-144	-144	-143	-127	-116	-113	-115
Other Financing Activities, Net	-275	655	500	-665	-410	-282	158	-358	67	-162
Cash Interest Paid	1,428	1,045	176	69	160	417	243	128	83	66
Cash Income Taxes Paid	101	174	80	135	136	87	92	122	80	102

This table details how cash moves in and out of BOK Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-18	-41	400	-80	-193	-27	-72	83	-38	-207	-428
Net Cash From Operating Activities	20	541	247	464	179	-462	1,088	-3,025	2,465	-2,222	909
Net Cash From Continuing Operating Activities	20	541	247	464	179	-457	1,083	-3,025	2,465	-2,222	909
Net Income / (Loss) Continuing Operations	120	136	140	164	84	83	134	152	162	168	157
Consolidated Net Income / (Loss)	120	136	140	164	84	83	134	152	162	168	157
Provision For Loan Losses	0.00	-	2.00	8.00	8.00	6.00	7.00	17	16	15	15
Depreciation Expense	27	27	26	26	26	29	24	30	27	27	27
Amortization Expense	-13	-13	-12	-11	-8.92	-5.77	-5.48	-4.57	-4.16	0.54	2.26
Non-Cash Adjustments to Reconcile Net Income	64	-78	26	-125	-47	206	-21	-126	72	46	35
Changes in Operating Assets and Liabilities, net	-179	469	64	402	117	-775	944	-3,093	2,192	-2,478	672
Net Cash From Investing Activities	435	-139	781	-522	-597	-185	-637	-656	-313	-2,277	-951
Net Cash From Continuing Investing Activities	435	-139	781	-522	-597	-185	-637	-656	-313	-2,277	-951
Purchase of Investment Securities	-243	-811	25	-1,134	-1,901	-1,303	-1,215	-1,043	-877	-2,821	-1,533
Sale and/or Maturity of Investments	713	663	761	564	1,256	1,179	561	408	554	523	573
Other Investing Activities, net	-35	9.63	-4.87	48	48	-94	18	-20	9.86	21	8.45
Net Cash From Financing Activities	-473	-444	-628	-21	225	620	-523	3,764	-2,189	4,292	-386
Net Cash From Continuing Financing Activities	-473	-444	-628	-21	225	620	-523	3,764	-2,189	4,292	-386
Net Change in Deposits	90	964	985	858	1,364	367	358	714	-1,900	-1,935	-2,203
Issuance of Common Equity	-5.42	-0.06	-0.07	-0.44	-3.19	-0.25	-	-0.19	-4.50	-	-
Repayment of Debt	-340	-	-	-	-840	-104	-302	-	-	-	143
Repurchase of Common Equity	-0.99	-0.08	-	-38	-52	-50	-60	-23	-44	-32	-50
Payment of Dividends	-36	-37	-35	-35	-36	-36	-36	-36	-36	-36	-35
Other Financing Activities, Net	-181	-207	295	-155	-208	443	-484	222	473	157	1,759
Cash Interest Paid	302	330	355	394	348	339	305	237	164	95	46
Cash Income Taxes Paid	1.47	33	29	38	1.27	18	32	123	0.73	12	0.29

This table presents BOK Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	49,686	49,825	47,791	49,291	46,671	42,172	38,021	32,272	32,772	31,476
Cash and Due from Banks	1,044	948	944	712	799	736	742	603	621	2,644
Interest Bearing Deposits at Other Banks	391	401	458	2,125	382	523	402	1,715	1,917	-
Trading Account Securities	20,106	20,212	19,724	23,838	19,181	14,609	11,923	10,222	10,328	10,793
Loans and Leases, Net of Allowance	23,835	23,628	22,321	19,949	22,619	21,540	21,449	16,923	16,744	15,716
Loans and Leases	24,115	23,905	22,557	20,206	23,008	21,751	21,657	17,153	16,990	15,941
Allowance for Loan and Lease Losses	280	277	236	256	389	211	207	231	246	226
Accrued Investment Income	281	318	274	223	246	232	205	179	773	163
Premises and Equipment, Net	634	622	565	574	551	536	330	317	326	306
Goodwill	1,045	1,045	1,045	1,045	1,048	1,048	1,049	447	449	385
Intangible Assets	47	60	76	92	113	125	135	29	47	44
Other Assets	2,303	2,592	2,384	733	1,731	2,641	1,786	1,617	1,267	1,116
Total Liabilities & Shareholders' Equity	49,686	49,825	47,791	50,249	46,671	42,172	38,021	32,272	32,772	31,476
Total Liabilities	44,135	44,679	43,103	44,881	41,380	37,308	33,577	28,754	29,466	28,208
Non-Interest Bearing Deposits	8,372	9,196	13,395	15,344	12,266	9,461	10,415	9,243	9,236	8,297
Interest Bearing Deposits	29,819	24,823	21,085	25,898	23,878	18,160	14,849	12,818	13,512	12,791
Federal Funds Purchased and Securities Sold	1,293	1,123	2,270	2,326	1,662	3,818	1,018	575	58	491
Short-Term Debt	405	254	5,439	473	2,546	4,961	6,643	5,646	6,186	6,159
Long-Term Debt	3,161	7,833	131	131	276	276	276	145	145	226
Other Long-Term Liabilities	1,084	1,450	485	435	427	372	183	162	183	124
Total Equity & Noncontrolling Interests	5,551	5,145	4,687	5,368	5,292	4,864	4,443	3,518	3,306	3,268
Total Preferred & Common Equity	5,548	5,142	4,683	5,364	5,266	4,856	4,432	3,495	3,275	3,231
Total Common Equity	5,548	5,142	4,683	5,364	5,266	4,856	4,432	3,495	3,275	3,231
Common Stock	1,430	1,407	1,390	1,379	1,368	1,351	1,334	1,036	1,007	982
Retained Earnings	5,592	5,212	4,824	4,448	3,974	3,730	3,370	3,048	2,823	2,704
Treasury Stock	-970	-877	-695	-535	-411	-330	-199	-553	-544	-477
Accumulated Other Comprehensive Income / (Loss)	-503	-599	-837	72	336	105	-73	-36	-11	22
Noncontrolling Interest	2.60	2.98	4.71	4.64	25	8.12	11	23	32	37

This table presents BOK Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	50,472	50,082	50,403	50,160	48,931	49,238	45,524	43,645
Cash and Due from Banks	990	929	898	802	854	876	792	804
Interest Bearing Deposits at Other Banks	426	547	178	354	521	572	572	805
Trading Account Securities	21,411	20,675	20,487	20,639	19,592	20,415	17,475	16,684
Loans and Leases, Net of Allowance	23,412	23,701	24,266	23,891	23,452	22,975	22,501	21,549
Loans and Leases	23,690	23,985	24,554	24,173	23,724	23,238	22,750	21,790
Allowance for Loan and Lease Losses	279	284	288	282	272	263	249	242
Accrued Investment Income	262	300	334	309	255	264	266	200
Premises and Equipment, Net	636	633	632	628	616	618	623	569
Goodwill	1,045	1,045	1,045	1,045	1,045	1,045	1,045	1,045
Intangible Assets	44	51	54	57	66	69	73	80
Other Assets	2,246	2,202	2,509	2,437	2,530	2,405	2,178	1,910
Total Liabilities & Shareholders' Equity	50,472	50,082	50,403	50,160	48,931	49,238	45,524	43,645
Total Liabilities	44,698	44,467	45,171	45,029	44,114	44,371	40,646	39,131
Non-Interest Bearing Deposits	8,288	8,260	8,840	8,414	9,974	10,783	11,607	14,985
Interest Bearing Deposits	29,993	28,967	27,401	26,969	23,678	22,512	20,974	21,431
Federal Funds Purchased and Securities Sold	852	744	814	1,262	2,723	5,447	1,600	627
Short-Term Debt	4,666	5,510	7,164	7,427	6,841	4,728	262	1,262
Other Short-Term Payables	291	340	306	319	244	229	-	212
Long-Term Debt	131	131	131	131	131	131	4,867	131
Other Long-Term Liabilities	475	515	515	506	522	541	1,336	483
Total Equity & Noncontrolling Interests	5,774	5,615	5,232	5,132	4,817	4,867	4,878	4,514
Total Preferred & Common Equity	5,772	5,612	5,229	5,129	4,814	4,864	4,875	4,510
Total Common Equity	5,772	5,612	5,229	5,129	4,814	4,864	4,875	4,510
Common Stock	1,436	1,425	1,417	1,411	1,405	1,402	1,397	1,385
Retained Earnings	5,675	5,493	5,388	5,260	5,165	5,066	4,950	4,692
Treasury Stock	-977	-970	-970	-932	-826	-767	-744	-663
Accumulated Other Comprehensive Income / (Loss)	-362	-335	-606	-610	-929	-837	-729	-905
Noncontrolling Interest	2.57	2.76	2.84	2.88	3.19	3.54	3.24	4.37

This table displays calculated financial ratios and metrics derived from BOK Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.57%	11.19%	-1.02%	-3.94%	7.89%	12.89%	4.22%	8.13%	4.36%	5.80%
EBITDA Growth	-5.99%	-0.49%	-15.26%	37.21%	-5.79%	7.92%	9.28%	40.75%	-18.56%	-1.66%
EBIT Growth	-2.43%	3.50%	-17.08%	41.19%	-10.62%	11.56%	9.11%	53.04%	-21.54%	-1.82%
NOPAT Growth	-1.43%	2.08%	-15.58%	41.66%	-13.10%	12.15%	32.99%	44.52%	-20.52%	-1.09%
Net Income Growth	-1.43%	2.08%	-15.58%	41.66%	-13.10%	12.15%	32.99%	44.52%	-20.52%	-1.09%
EPS Growth	1.50%	4.43%	-14.19%	44.59%	-11.95%	6.03%	29.75%	44.76%	-16.15%	-0.24%
Operating Cash Flow Growth	2,061.36%	-98.71%	238.72%	-787.09%	12.12%	14.19%	-356.83%	333.75%	-131.07%	907.90%
Free Cash Flow Firm Growth	289.83%	48.27%	-227.11%	53.43%	37.43%	209.65%	-342.07%	167.22%	114.53%	5.29%
Invested Capital Growth	-31.09%	29.00%	104.56%	-38.20%	-19.67%	-11.10%	22.06%	-3.41%	-0.17%	26.17%
Revenue Q/Q Growth	1.06%	-2.28%	6.62%	-3.18%	2.43%	1.55%	2.46%	3.07%	0.28%	0.92%
EBITDA Q/Q Growth	8.07%	-12.41%	8.65%	-4.74%	10.16%	1.01%	1.66%	9.87%	1.66%	-3.34%
EBIT Q/Q Growth	10.61%	-13.30%	10.78%	-5.67%	11.64%	2.03%	0.32%	11.70%	-4.22%	-1.90%
NOPAT Q/Q Growth	11.41%	-13.92%	10.92%	-5.74%	11.23%	0.48%	8.77%	7.17%	-4.59%	-1.52%
Net Income Q/Q Growth	11.41%	-13.92%	10.92%	-5.74%	11.23%	0.48%	8.77%	7.17%	-4.59%	-1.52%
EPS Q/Q Growth	11.66%	-13.11%	11.30%	-5.19%	11.53%	1.15%	6.08%	7.13%	-3.55%	-0.71%
Operating Cash Flow Q/Q Growth	234.46%	103.91%	37.15%	-329.32%	-144.12%	61.15%	-20,371.98%	-3.23%	74.95%	89.90%
Free Cash Flow Firm Q/Q Growth	362.28%	53.60%	-736.75%	11.96%	-46.45%	187.44%	-545.15%	-39.08%	118.02%	-119.68%
Invested Capital Q/Q Growth	-19.00%	12.24%	73.65%	-18.85%	-8.26%	-22.16%	8.60%	-10.61%	-13.88%	0.89%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	35.45%	37.49%	41.89%	48.93%	34.26%	39.23%	41.04%	39.14%	30.07%	38.53%
EBIT Margin	32.51%	33.13%	35.59%	42.49%	28.90%	34.89%	35.31%	33.72%	23.83%	31.70%
Profit (Net Income) Margin	25.53%	25.76%	28.05%	32.89%	22.30%	27.69%	27.87%	21.84%	16.34%	21.46%
Tax Burden Percent	78.54%	77.74%	78.81%	77.42%	77.16%	79.36%	78.95%	64.77%	68.59%	67.71%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.46%	22.26%	21.19%	22.58%	22.84%	20.64%	21.05%	35.23%	31.41%	32.29%
Return on Invested Capital (ROIC)	4.69%	4.52%	6.81%	9.39%	4.78%	4.67%	4.32%	3.54%	2.41%	3.38%
ROIC Less NNEP Spread (ROIC-NNEP)	4.69%	4.52%	6.81%	9.39%	4.78%	4.67%	4.32%	3.54%	2.41%	3.38%
Return on Net Nonoperating Assets (RNNOA)	5.10%	6.28%	3.53%	2.17%	3.79%	6.09%	6.90%	6.29%	4.66%	5.47%
Return on Equity (ROE)	9.79%	10.80%	10.35%	11.56%	8.57%	10.76%	11.21%	9.84%	7.07%	8.85%
Cash Return on Invested Capital (CROIC)	41.50%	-20.80%	-61.85%	56.60%	26.59%	16.42%	-15.55%	7.01%	2.58%	-19.77%
Operating Return on Assets (OROA)	1.34%	1.40%	1.36%	1.66%	1.27%	1.57%	1.61%	1.59%	1.05%	1.43%
Return on Assets (ROA)	1.05%	1.09%	1.07%	1.28%	0.98%	1.25%	1.27%	1.03%	0.72%	0.97%
Return on Common Equity (ROCE)	9.78%	10.79%	10.34%	11.53%	8.54%	10.74%	11.17%	9.76%	6.99%	8.76%
Return on Equity Simple (ROE_SIMPLE)	9.44%	10.33%	11.11%	11.49%	8.26%	10.31%	10.07%	9.60%	7.09%	9.05%
Net Operating Profit after Tax (NOPAT)	524	531	520	616	435	501	446	336	232	292
NOPAT Margin	25.53%	25.76%	28.05%	32.89%	22.30%	27.69%	27.87%	21.84%	16.34%	21.46%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	56.43%	53.40%	52.85%	51.87%	48.76%	51.52%	51.60%	54.38%	55.70%	54.45%
Operating Expenses to Revenue	66.61%	64.64%	62.79%	62.85%	59.68%	62.68%	64.19%	66.73%	71.60%	65.81%
Earnings before Interest and Taxes (EBIT)	667	683	660	796	564	631	565	518	339	432
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	727	773	777	917	668	709	657	601	427	525
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.22	1.06	1.41	1.26	0.84	1.13	0.93	1.46	1.38	1.01
Price to Tangible Book Value (P/TBV)	1.52	1.35	1.86	1.60	1.07	1.49	1.28	1.69	1.63	1.16
Price to Revenue (P/Rev)	3.31	2.65	3.56	3.61	2.26	3.03	2.59	3.33	3.19	2.39
Price to Earnings (P/E)	12.97	10.30	12.70	10.95	10.12	10.93	9.29	15.28	19.48	11.29
Dividend Yield	2.10%	2.61%	2.17%	2.12%	3.27%	2.60%	3.00%	2.27%	2.52%	3.51%
Earnings Yield	7.71%	9.71%	7.87%	9.13%	9.88%	9.15%	10.76%	6.54%	5.13%	8.86%
Enterprise Value to Invested Capital (EV/IC)	0.98	0.92	1.05	0.91	0.75	0.94	0.87	0.92	0.87	0.73
Enterprise Value to Revenue (EV/Rev)	4.35	5.92	5.81	2.42	3.11	5.23	6.20	5.60	5.88	5.17
Enterprise Value to EBITDA (EV/EBITDA)	12.28	15.79	13.88	4.95	9.08	13.34	15.10	14.31	19.56	13.41
Enterprise Value to EBIT (EV/EBIT)	13.39	17.87	16.33	5.70	10.76	15.00	17.56	16.61	24.68	16.30
Enterprise Value to NOPAT (EV/NOPAT)	17.05	22.99	20.72	7.37	13.95	18.90	22.24	25.65	35.98	24.08
Enterprise Value to Operating Cash Flow (EV/OCF)	6.24	184.48	2.10	0.00	0.00	0.00	0.00	40.06	0.00	23.78
Enterprise Value to Free Cash Flow (EV/FCFF)	1.92	0.00	0.00	1.22	2.51	5.37	0.00	12.97	33.64	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.64	1.57	1.19	0.11	0.53	1.08	1.56	1.65	1.91	1.95
Long-Term Debt to Equity	0.57	1.52	0.03	0.02	0.05	0.06	0.06	0.04	0.04	0.07
Financial Leverage	1.09	1.39	0.52	0.23	0.79	1.31	1.60	1.78	1.93	1.62
Leverage Ratio	9.30	9.93	9.65	9.00	8.75	8.62	8.83	9.53	9.77	9.17
Compound Leverage Factor	9.30	9.93	9.65	9.00	8.75	8.62	8.83	9.53	9.77	9.17
Debt to Total Capital	39.12%	61.11%	54.30%	10.12%	34.78%	51.85%	60.90%	62.20%	65.69%	66.15%
Short-Term Debt to Total Capital	4.45%	1.92%	53.03%	7.92%	31.38%	49.11%	58.47%	60.65%	64.19%	63.80%
Long-Term Debt to Total Capital	34.67%	59.19%	1.28%	2.20%	3.40%	2.73%	2.43%	1.55%	1.50%	2.34%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.03%	0.02%	0.05%	0.08%	0.31%	0.08%	0.10%	0.25%	0.33%	0.38%
Common Equity to Total Capital	60.85%	38.86%	45.65%	89.80%	64.90%	48.07%	39.01%	37.55%	33.98%	33.47%
Debt to EBITDA	4.91	10.46	7.17	0.66	4.22	7.38	10.53	9.63	14.81	12.17
Net Debt to EBITDA	2.93	8.72	5.37	-2.44	2.46	5.61	8.79	5.77	8.88	7.13
Long-Term Debt to EBITDA	4.35	10.13	0.17	0.14	0.41	0.39	0.42	0.24	0.34	0.43
Debt to NOPAT	6.81	15.23	10.71	0.98	6.49	10.46	15.50	17.25	27.25	21.85
Net Debt to NOPAT	4.07	12.69	8.01	-3.62	3.77	7.94	12.94	10.35	16.33	12.80
Long-Term Debt to NOPAT	6.04	14.75	0.25	0.21	0.63	0.55	0.62	0.43	0.62	0.77
Noncontrolling Interest Sharing Ratio	0.05%	0.08%	0.09%	0.28%	0.33%	0.20%	0.43%	0.80%	1.04%	1.08%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	4,638	-2,443	-4,723	3,716	2,422	1,762	-1,607	664	248	-1,710
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	3.25	-2.28	-26.13	60.03	15.08	4.20	-6.60	5.07	3.03	-26.94
Operating Cash Flow to Interest Expense	1.00	0.06	28.34	-59.66	-2.59	-1.13	-2.27	1.64	-1.12	4.66
Operating Cash Flow Less CapEx to Interest Expense	1.00	0.06	28.34	-59.66	-2.59	-1.13	-2.27	1.64	-1.12	4.66
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.04	0.05
Fixed Asset Turnover	3.26	3.47	3.26	3.33	3.59	4.18	4.95	4.78	4.50	4.69
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	9,118	13,232	10,258	5,015	8,114	10,101	11,362	9,309	9,637	9,653
Invested Capital Turnover	0.18	0.18	0.24	0.29	0.21	0.17	0.16	0.16	0.15	0.16
Increase / (Decrease) in Invested Capital	-4,114	2,974	5,243	-3,099	-1,987	-1,261	2,053	-328	-16	2,002
Enterprise Value (EV)	8,926	12,210	10,782	4,540	6,069	9,461	9,928	8,609	8,358	7,037
Market Capitalization	6,791	5,468	6,608	6,768	4,402	5,475	4,141	5,113	4,533	3,258
Book Value per Share	$86.53	$78.31	$69.63	$78.19	$74.91	$68.53	$67.73	$53.40	$49.69	$47.71
Tangible Book Value per Share	$69.51	$61.49	$52.96	$61.62	$58.38	$51.97	$49.64	$46.13	$42.16	$41.37
Total Capital	9,118	13,232	10,258	5,973	8,114	10,101	11,362	9,309	9,637	9,653
Total Debt	3,567	8,087	5,570	604	2,822	5,237	6,919	5,790	6,330	6,385
Total Long-Term Debt	3,161	7,833	131	131	276	276	276	145	145	226
Net Debt	2,132	6,738	4,169	-2,233	1,642	3,978	5,776	3,473	3,793	3,742
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	3,567	8,087	5,570	-354	2,822	5,237	6,919	5,790	6,330	6,385
Total Depreciation and Amortization (D&A)	60	90	117	121	104	78	92	83	89	93
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.22
Adjusted Weighted Average Basic Shares Outstanding	63.75M	65.65M	67.21M	68.59M	69.84M	70.79M	66.63M	64.75M	65.09M	67.59M
Adjusted Diluted Earnings per Share	$8.14	$8.02	$7.68	$8.95	$6.19	$7.03	$6.63	$5.11	$3.53	$4.21
Adjusted Weighted Average Diluted Shares Outstanding	63.75M	65.65M	67.21M	68.59M	69.84M	70.80M	66.66M	64.81M	65.14M	67.69M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$7.03	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	64.23M	65.06M	66.97M	68.32M	69.58M	70.69M	72.25M	65.55M	65.49M	66.12M
Normalized Net Operating Profit after Tax (NOPAT)	528	565	520	616	435	501	460	342	235	293
Normalized NOPAT Margin	25.75%	27.41%	28.05%	32.89%	22.30%	27.69%	28.71%	22.25%	16.51%	21.53%
Pre Tax Income Margin	32.51%	33.13%	35.59%	42.49%	28.90%	34.89%	35.31%	33.72%	23.83%	31.70%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.47	0.64	3.65	12.86	3.51	1.51	2.32	3.95	4.14	6.80
NOPAT to Interest Expense	0.37	0.50	2.88	9.96	2.71	1.19	1.83	2.56	2.84	4.60
EBIT Less CapEx to Interest Expense	0.47	0.64	3.65	12.86	3.51	1.51	2.32	3.95	4.14	6.80
NOPAT Less CapEx to Interest Expense	0.37	0.50	2.88	9.96	2.71	1.19	1.83	2.56	2.84	4.60
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	27.31%	27.00%	27.64%	23.38%	33.20%	28.66%	28.49%	34.57%	48.84%	39.44%
Augmented Payout Ratio	44.47%	60.29%	57.41%	42.52%	50.63%	54.52%	40.49%	36.77%	77.60%	117.98%

This table displays calculated financial ratios and metrics derived from BOK Financial's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	10.33%	4.29%	3.46%	4.60%	-14.13%	-8.76%	-1.38%	20.03%	48.82%	26.51%	-0.79%
EBITDA Growth	36.24%	40.34%	0.76%	2.16%	-46.19%	-44.87%	-17.32%	10.90%	114.09%	33.92%	-17.14%
EBIT Growth	44.79%	57.38%	3.31%	7.87%	-48.71%	-48.45%	-14.54%	15.78%	164.98%	42.25%	-18.82%
NOPAT Growth	43.11%	64.99%	4.09%	7.98%	-48.49%	-50.99%	-14.12%	14.13%	160.19%	43.69%	-16.58%
Net Income Growth	43.11%	64.99%	4.09%	7.98%	-48.49%	-50.99%	-14.12%	14.13%	160.19%	43.69%	-16.58%
EPS Growth	44.19%	66.41%	6.86%	11.89%	-46.91%	-48.59%	-12.07%	15.82%	167.03%	45.61%	-15.33%
Operating Cash Flow Growth	-88.70%	217.16%	-77.32%	115.33%	-92.73%	79.22%	19.71%	-220.88%	-37.33%	38.45%	124.66%
Free Cash Flow Firm Growth	186.11%	246.99%	111.71%	36.55%	37.90%	43.02%	-1,439.17%	-268.48%	-338.29%	-257.78%	-84.95%
Invested Capital Growth	-16.69%	-31.09%	-4.52%	28.79%	26.81%	29.00%	99.58%	79.45%	76.82%	104.56%	-4.41%
Revenue Q/Q Growth	-3.98%	1.31%	-7.09%	22.06%	-9.23%	0.50%	-6.07%	0.21%	-3.55%	8.63%	14.32%
EBITDA Q/Q Growth	-10.31%	0.43%	-16.60%	81.36%	-7.61%	-27.90%	-15.44%	-4.48%	-5.33%	8.14%	13.42%
EBIT Q/Q Growth	-11.78%	1.24%	-17.89%	97.43%	-4.11%	-33.54%	-14.26%	-6.12%	-3.63%	10.18%	16.15%
NOPAT Q/Q Growth	-12.03%	-2.73%	-14.51%	95.63%	1.42%	-38.64%	-11.31%	-6.68%	-3.50%	7.54%	17.86%
Net Income Q/Q Growth	-12.03%	-2.73%	-14.51%	95.63%	1.42%	-38.64%	-11.31%	-6.68%	-3.50%	7.54%	17.86%
EPS Q/Q Growth	-12.68%	-2.29%	-14.17%	96.90%	0.78%	-37.25%	-10.13%	-6.58%	-2.41%	7.33%	18.37%
Operating Cash Flow Q/Q Growth	-96.26%	119.31%	-46.78%	158.65%	138.81%	-142.45%	135.96%	-222.71%	210.94%	-344.51%	-63.68%
Free Cash Flow Firm Q/Q Growth	-47.35%	531.27%	125.54%	-1.44%	25.30%	49.69%	-38.34%	0.73%	17.53%	-1,282.34%	-82.60%
Invested Capital Q/Q Growth	15.95%	-19.00%	-10.14%	-1.29%	-8.17%	12.24%	21.21%	-2.81%	-2.44%	73.65%	8.98%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	33.73%	36.11%	36.43%	40.58%	27.32%	26.84%	37.41%	41.55%	43.59%	44.41%	44.62%
EBIT Margin	30.81%	33.54%	33.56%	37.97%	23.48%	22.23%	33.61%	36.82%	39.31%	39.34%	38.79%
Profit (Net Income) Margin	23.84%	26.03%	27.11%	29.46%	18.38%	16.45%	26.95%	28.54%	30.65%	30.63%	30.95%
Tax Burden Percent	77.39%	77.61%	80.78%	77.59%	78.30%	74.03%	80.17%	77.51%	77.97%	77.87%	79.78%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.61%	22.39%	19.22%	22.41%	21.70%	25.97%	19.83%	22.49%	22.03%	22.13%	20.22%
Return on Invested Capital (ROIC)	4.30%	4.78%	4.77%	5.33%	3.22%	2.89%	6.43%	7.98%	7.94%	7.44%	8.91%
ROIC Less NNEP Spread (ROIC-NNEP)	4.30%	4.78%	4.77%	5.33%	3.22%	2.89%	6.43%	7.98%	7.94%	7.44%	8.91%
Return on Net Nonoperating Assets (RNNOA)	4.87%	5.20%	5.77%	6.41%	4.08%	4.01%	5.76%	4.60%	4.84%	3.86%	1.96%
Return on Equity (ROE)	9.17%	9.98%	10.54%	11.74%	7.30%	6.90%	12.19%	12.58%	12.78%	11.30%	10.86%
Cash Return on Invested Capital (CROIC)	23.02%	41.50%	8.71%	-20.99%	-19.65%	-20.80%	-59.51%	-48.42%	-47.58%	-61.85%	12.27%
Operating Return on Assets (OROA)	1.28%	1.38%	1.38%	1.53%	0.98%	0.94%	1.53%	1.65%	1.73%	1.50%	1.49%
Return on Assets (ROA)	0.99%	1.07%	1.11%	1.19%	0.76%	0.70%	1.23%	1.28%	1.35%	1.17%	1.19%
Return on Common Equity (ROCE)	9.17%	9.97%	10.54%	11.73%	7.29%	6.90%	12.18%	12.57%	12.77%	11.29%	10.85%
Return on Equity Simple (ROE_SIMPLE)	9.70%	0.00%	8.37%	8.88%	8.82%	0.00%	12.82%	13.14%	12.73%	0.00%	10.40%
Net Operating Profit after Tax (NOPAT)	120	136	140	164	84	83	134	152	162	168	157
NOPAT Margin	23.84%	26.03%	27.11%	29.46%	18.38%	16.45%	26.95%	28.54%	30.65%	30.63%	30.95%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	60.44%	57.50%	56.97%	49.61%	62.93%	57.34%	55.31%	51.51%	49.79%	48.42%	48.91%
Operating Expenses to Revenue	69.19%	66.46%	66.05%	60.59%	74.76%	76.58%	64.99%	59.98%	57.68%	57.93%	58.25%
Earnings before Interest and Taxes (EBIT)	155	175	173	211	107	111	168	196	208	216	196
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	169	189	188	226	124	135	187	221	231	244	226
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.16	1.22	1.20	1.12	1.16	1.06	1.07	1.07	1.11	1.41	1.27
Price to Tangible Book Value (P/TBV)	1.43	1.52	1.49	1.42	1.48	1.35	1.40	1.39	1.45	1.86	1.69
Price to Revenue (P/Rev)	3.19	3.31	3.31	2.92	3.01	2.65	2.45	2.46	2.68	3.56	3.30
Price to Earnings (P/E)	11.95	12.97	14.27	12.66	13.21	10.30	8.39	8.16	8.76	12.70	12.22
Dividend Yield	2.15%	2.10%	2.10%	2.40%	2.40%	2.61%	2.77%	2.75%	2.64%	2.17%	2.51%
Earnings Yield	8.37%	7.71%	7.01%	7.90%	7.57%	9.71%	11.92%	12.26%	11.41%	7.87%	8.19%
Enterprise Value to Invested Capital (EV/IC)	0.95	0.98	0.97	0.97	0.98	0.92	0.91	0.89	0.92	1.05	0.93
Enterprise Value to Revenue (EV/Rev)	4.80	4.35	5.36	6.02	6.23	5.92	5.10	4.07	4.54	5.81	3.17
Enterprise Value to EBITDA (EV/EBITDA)	13.05	12.28	16.17	18.03	18.57	15.79	12.20	9.36	10.22	13.88	7.72
Enterprise Value to EBIT (EV/EBIT)	14.10	13.39	18.05	20.26	21.28	17.87	13.67	10.56	11.65	16.33	9.26
Enterprise Value to NOPAT (EV/NOPAT)	18.00	17.05	23.15	26.05	27.36	22.99	17.46	13.49	14.84	20.72	11.77
Enterprise Value to Operating Cash Flow (EV/OCF)	7.92	6.24	25.43	9.54	0.00	184.48	0.00	0.00	2.52	2.10	1.48
Enterprise Value to Free Cash Flow (EV/FCFF)	3.76	1.92	10.84	0.00	0.00	0.00	0.00	0.00	0.00	0.00	7.44
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.83	0.64	1.00	1.39	1.47	1.57	1.45	1.00	1.05	1.19	0.31
Long-Term Debt to Equity	0.02	0.57	0.02	0.03	0.03	1.52	0.03	0.03	1.00	0.03	0.03
Financial Leverage	1.13	1.09	1.21	1.20	1.27	1.39	0.90	0.58	0.61	0.52	0.22
Leverage Ratio	9.23	9.30	9.49	9.87	9.56	9.93	9.92	9.85	9.49	9.65	9.14
Compound Leverage Factor	9.23	9.30	9.49	9.87	9.56	9.93	9.92	9.85	9.49	9.65	9.14
Debt to Total Capital	45.38%	39.12%	50.11%	58.23%	59.56%	61.11%	59.14%	49.96%	51.26%	54.30%	23.58%
Short-Term Debt to Total Capital	44.14%	4.45%	48.95%	57.19%	58.53%	1.92%	58.03%	48.61%	2.62%	53.03%	21.36%
Long-Term Debt to Total Capital	1.24%	34.67%	1.17%	1.05%	1.03%	59.19%	1.11%	1.35%	48.63%	1.28%	2.22%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.02%	0.03%	0.02%	0.02%	0.02%	0.02%	0.03%	0.04%	0.03%	0.05%	0.07%
Common Equity to Total Capital	54.60%	60.85%	49.86%	41.74%	40.41%	38.86%	40.83%	50.01%	48.71%	45.65%	76.35%
Debt to EBITDA	6.21	4.91	8.39	10.87	11.34	10.46	7.90	5.27	5.70	7.17	1.95
Net Debt to EBITDA	4.38	2.93	6.19	9.27	9.61	8.72	6.34	3.70	4.18	5.37	-0.30
Long-Term Debt to EBITDA	0.17	4.35	0.20	0.20	0.20	10.13	0.15	0.14	5.41	0.17	0.18
Debt to NOPAT	8.57	6.81	12.00	15.71	16.71	15.23	11.30	7.60	8.27	10.71	2.97
Net Debt to NOPAT	6.04	4.07	8.86	13.39	14.16	12.69	9.07	5.34	6.07	8.01	-0.46
Long-Term Debt to NOPAT	0.23	6.04	0.28	0.28	0.29	14.75	0.21	0.21	7.85	0.25	0.28
Noncontrolling Interest Sharing Ratio	0.05%	0.05%	0.06%	0.06%	0.06%	0.08%	0.08%	0.08%	0.07%	0.09%	0.12%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	2,238	4,251	673	-2,636	-2,599	-2,892	-5,748	-4,155	-4,185	-5,075	429
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	7.40	13.04	1.81	-7.02	-7.39	-8.46	-18.18	-16.75	-25.46	-51.27	9.17
Operating Cash Flow to Interest Expense	0.07	1.66	0.66	1.23	0.51	-1.35	3.44	-12.19	14.99	-22.45	19.40
Operating Cash Flow Less CapEx to Interest Expense	0.07	1.66	0.66	1.23	0.51	-1.35	3.44	-12.19	14.99	-22.45	19.40
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.04
Fixed Asset Turnover	3.32	3.26	3.25	3.22	3.18	3.47	3.56	3.55	3.39	3.26	3.09
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,572	9,118	11,256	12,527	12,690	13,232	11,789	9,727	10,008	10,258	5,907
Invested Capital Turnover	0.18	0.18	0.18	0.18	0.18	0.18	0.24	0.28	0.26	0.24	0.29
Increase / (Decrease) in Invested Capital	-2,118	-4,114	-533	2,800	2,683	2,974	5,882	4,306	4,348	5,243	-273
Enterprise Value (EV)	10,073	8,926	10,877	12,100	12,378	12,210	10,772	8,624	9,203	10,782	5,520
Market Capitalization	6,689	6,791	6,709	5,879	5,972	5,468	5,171	5,209	5,434	6,608	5,732
Book Value per Share	$89.87	$86.53	$87.52	$81.05	$79.78	$78.31	$72.53	$73.03	$72.79	$69.63	$66.51
Tangible Book Value per Share	$72.91	$69.51	$70.43	$64.02	$62.64	$61.49	$55.80	$56.30	$56.10	$52.96	$49.93
Total Capital	10,572	9,118	11,256	12,527	12,690	13,232	11,789	9,727	10,008	10,258	5,907
Total Debt	4,798	3,567	5,641	7,295	7,559	8,087	6,972	4,859	5,130	5,570	1,393
Total Long-Term Debt	131	3,161	131	131	131	7,833	131	131	4,867	131	131
Net Debt	3,381	2,132	4,165	6,219	6,403	6,738	5,597	3,412	3,766	4,169	-216
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4,798	3,567	5,641	7,295	7,559	8,087	6,972	4,859	5,130	5,570	1,393
Total Depreciation and Amortization (D&A)	15	13	15	14	17	23	19	25	23	28	30
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.86	$2.13	$2.18	$2.54	$1.29	$1.28	$2.04	$2.27	$2.43	$2.49	$2.32
Adjusted Weighted Average Basic Shares Outstanding	63.55M	63.75M	63.49M	63.71M	64.29M	65.65M	65.55M	65.99M	66.33M	67.21M	67.00M
Adjusted Diluted Earnings per Share	$1.86	$2.13	$2.18	$2.54	$1.29	$1.28	$2.04	$2.27	$2.43	$2.49	$2.32
Adjusted Weighted Average Diluted Shares Outstanding	63.55M	63.75M	63.49M	63.71M	64.29M	65.65M	65.55M	65.99M	66.33M	67.21M	67.00M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	64.26M	64.23M	64.12M	64.13M	64.52M	65.06M	65.66M	66.37M	66.60M	66.97M	67.25M
Normalized Net Operating Profit after Tax (NOPAT)	120	136	139	164	84	83	134	152	162	168	157
Normalized NOPAT Margin	23.84%	26.03%	26.89%	29.46%	18.38%	16.45%	26.95%	28.54%	30.65%	30.63%	30.95%
Pre Tax Income Margin	30.81%	33.54%	33.56%	37.97%	23.48%	22.23%	33.61%	36.82%	39.31%	39.34%	38.79%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.51	0.54	0.47	0.56	0.30	0.33	0.53	0.79	1.27	2.18	4.19
NOPAT to Interest Expense	0.40	0.42	0.38	0.44	0.24	0.24	0.43	0.61	0.99	1.70	3.34
EBIT Less CapEx to Interest Expense	0.51	0.54	0.47	0.56	0.30	0.33	0.53	0.79	1.27	2.18	4.19
NOPAT Less CapEx to Interest Expense	0.40	0.42	0.38	0.44	0.24	0.24	0.43	0.61	0.99	1.70	3.34
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	25.71%	27.31%	30.17%	30.63%	31.53%	27.00%	23.33%	22.49%	23.19%	27.64%	30.70%
Augmented Payout Ratio	32.62%	44.47%	59.96%	73.60%	72.32%	60.29%	49.10%	45.88%	47.58%	57.41%	59.67%

Frequently Asked Questions About BOK Financial's Financials

When does BOK Financial's fiscal year end?

According to the most recent income statement we have on file, BOK Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has BOK Financial's net income changed over the last 9 years?

BOK Financial's net income appears to be on an upward trend, with a most recent value of $523.55 million in 2024, rising from $292.26 million in 2015. The previous period was $531.13 million in 2023. View BOK Financial's forecast to see where analysts expect BOK Financial to go next.

How has BOK Financial revenue changed over the last 9 years?

Over the last 9 years, BOK Financial's total revenue changed from $1.36 billion in 2015 to $2.05 billion in 2024, a change of 50.6%.

How much debt does BOK Financial have?

BOK Financial's total liabilities were at $44.13 billion at the end of 2024, a 1.2% decrease from 2023, and a 56.5% increase since 2015.

How much cash does BOK Financial have?

In the past 9 years, BOK Financial's cash and equivalents has ranged from $602.51 million in 2017 to $2.64 billion in 2015, and is currently $1.04 billion as of their latest financial filing in 2024.

How has BOK Financial's book value per share changed over the last 9 years?

Over the last 9 years, BOK Financial's book value per share changed from 47.71 in 2015 to 86.53 in 2024, a change of 81.4%.

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This page (NASDAQ:BOKF) was last updated on 5/22/2025 by MarketBeat.com Staff

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BOK Financial (BOKF) Financials

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