Bok Financial Corp. (BOKF)
NASDAQ:BOKF
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Earnings Data
Report Date
Jul 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.63Last Year’s EPS
2.19Same Quarter Last Year
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple constructive operating themes: profitable quarter (EPS $2.58), continued and broad-based loan growth (2.1% sequential; guidance near 10% for 2026), very strong credit metrics (low NPAs and net charge-offs), disciplined expense management (expenses down $6.9M; efficiency 63.2%), resilient fee businesses (fee income $209.8M; syndication activity +40% YoY), and strong capital ratios (TCE 9.3%, CET1 12.6%). Offsetting items included near-term net interest margin compression (NII down $2.7M; margin -8 bps) and a $3B AUMA decline that pressures fee revenue, plus some seasonal funding and deposit dynamics. Management maintained mid-single-digit revenue growth guidance, trimmed NII guidance modestly, and raised fee expectations. Overall, the positives (loan growth, credit quality, expense control, fee resilience, capital strength) outweigh the near-term margin and market-driven headwinds.Company Guidance
Strong GAAP Earnings and EPS
Reported earnings of $155.8 million and diluted EPS of $2.58 for Q1 2026, demonstrating profitable core operations.
Sequential Loan Growth and Robust Loan Guidance
Total loans grew $536 million, or 2.1% sequentially. Management expects full-year 2026 loan growth near 10%.
Broad-Based Geographic Loan Growth
Growth was balanced across markets: Texas up ~8% annualized (dollar amount inaudible in transcript), Oklahoma up $163 million (~9%), and Arizona up $236 million, indicating diversified expansion.
Exceptional Credit Quality
NPAs not guaranteed by U.S. government decreased $14 million to $52 million; nonperforming assets to period-end loans and repossessed assets declined six basis points to 20 bps; net charge-offs were just $1.9 million (averaging ~3 bps over the last 12 months). No provision recorded in the quarter; combined ACL $323 million (1.23% of loans).
Disciplined Expense Management and Efficiency
Total expenses declined $6.9 million sequentially; personnel expenses down $11.6 million. Efficiency ratio improved to 63.2% for the quarter and full-year efficiency guidance remains in the ~63% area.
Fee Income Resilience and Asset Management Strength
Fee income totaled $209.8 million (down $5.1 million sequentially but higher than three of the past four quarters). Fiduciary and asset management revenue contributed $66.5 million (second-strongest quarter on record). Transaction card revenue reached a record-like $32.0 million.
Investment Banking Syndication Momentum
2026 delivered the strongest first-quarter syndication activity on record, a 40% increase versus the same quarter a year ago.
Strong Capital Position
Tangible common equity of 9.3% and CET1 capital at 12.6%, providing balance sheet strength and flexibility.
Mortgage Finance Progress
Mortgage finance loans increased to $228 million, a $50 million rise from Q4, and management remains comfortable targeting ~$1 billion in commitments by year-end (with ~50% expected outstanding).
Potential One-Time Visa Gain
Visa exchange program could monetize ~50% of remaining Visa B shares (equivalent to ~95k common shares), which was estimated to approximate a $29 million pretax benefit based on Visa's April 13 closing price; expected to be recognized when transacted (anticipated in Q2).
BOKF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BOKF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 20, 2026 | $137.09 | $134.13 | -2.16% |
Jan 16, 2026 | $128.21 | $128.21 | 0.00% |
Oct 20, 2025 | $109.32 | $105.91 | -3.12% |
Jul 21, 2025 | $105.51 | $104.58 | -0.88% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bok Financial Corp. (BOKF) report earnings?
Bok Financial Corp. (BOKF) is schdueled to report earning on Jul 29, 2026, Before Open (Confirmed).
What is Bok Financial Corp. (BOKF) earnings time?
Bok Financial Corp. (BOKF) earnings time is at Jul 29, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BOKF EPS forecast?
BOKF EPS forecast for the fiscal quarter 2026 (Q2) is 2.63.