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BOK Financial (BOKF) Financials

BOK Financial logo
$111.10 -0.30 (-0.27%)
Closing price 09/22/2025 04:00 PM Eastern
Extended Trading
$111.10 0.00 (0.00%)
As of 09/22/2025 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for BOK Financial

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

Quarterly Income Statements for BOK Financial

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

Annual Cash Flow Statements for BOK Financial

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

Quarterly Cash Flow Statements for BOK Financial

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

Annual Balance Sheets for BOK Financial

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

Quarterly Balance Sheets for BOK Financial

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

Annual Metrics And Ratios for BOK Financial

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

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

Quarterly Metrics And Ratios for BOK Financial

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

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

Financials Breakdown Chart

Key Financial Trends

BOK Financial has shown a generally stable financial performance over the last four years with some fluctuations in key metrics. Here’s an overview of the notable trends and items from Q1 2025 and prior quarters back to 2022:

  • Net Interest Income: Remained strong and relatively stable, with $316.3 million in Q1 2025, slightly above Q4 2024 ($313 million). This indicates consistent core earnings from lending activities.
  • Loans and Leases, Net of Allowance: Grew from about $22.5 billion in Q1 2023 to approximately $23.4 billion in Q1 2025, reflecting moderate loan book growth supporting income generation.
  • Total Revenue: In Q1 2025, the bank reported $502 million, similar to recent quarters, suggesting steady overall business operations.
  • Consolidated Net Income: Slightly decreased to about $119.8 million in Q1 2025 from $136.2 million in Q4 2024 but the figure remains robust, reflecting profitability.
  • Strong Capital Position: Total common equity increased from about $4.5 billion in Q3 2022 to $5.8 billion in Q1 2025, signifying a solid financial foundation and potential for growth.
  • Provision for Credit Losses: Zero in Q1 2025, showing no additional reserves needed this quarter, but previous quarters showed periodic provisions, indicating some credit risk variability.
  • Net Cash From Operating Activities: Fell significantly in Q1 2025 ($20.3 million) compared to very strong prior quarters (e.g., $541 million in Q4 2024), suggesting operating cash flow volatility.
  • Investment Securities Transactions: The bank continues to actively buy and sell securities, with large purchasing and sales volumes each quarter. This could affect liquidity and income unpredictably.
  • Share Repurchases and Dividends: The company consistently pays dividends around $0.54 to $0.57 per share and performs modest share repurchases, supporting shareholder returns but implying moderate capital allocation use.
  • Declining Non-Interest Income in Recent Quarter: Some volatility and slight decline in non-interest income in Q1 2025 ($186 million) compared to prior quarters, which may pressure revenue diversification.
  • Increased Interest Expense Over Time: Interest expense rose over 2023 and 2024 quarters, driven by higher short-term borrowing costs, from ~$99 million in Q4 2022 up to $302 million in Q1 2025, potentially reducing net interest margins.
  • Decreasing Earnings Per Share (EPS): Basic EPS in Q1 2025 was $1.86, below peaks of $2.54 in Q2 2024 and $2.27 in Q2 2023, indicating some earnings pressure or share count effects diluting per-share results.

Overall, BOK Financial demonstrates steady core banking performance with manageable credit risks and consistent profitability. The loan portfolio and capital base show healthy growth. However, investors should note some volatility in non-interest income and operating cash flows along with rising interest expenses impacting margins. Continued monitoring of expense control and interest rate impacts is advisable for assessing future profitability trends.

09/23/25 03:50 AM ETAI Generated. May Contain Errors.

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's 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 9/23/2025 by MarketBeat.com Staff
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