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Bok Financial Corp. (BOKF)
NASDAQ:BOKF
Earnings Data
Report Date
Jul 23, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2Last Year’s EPS
2.54Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 4.68%
|Next Earnings Date:Jul 23, 2025
Earnings Call Sentiment|Neutral
The earnings call highlights BOK Financial's strong capital position, consistent risk management, and growth in net interest income. However, challenges in fee income, particularly in trading revenue, and contraction in the loan portfolio due to energy loans were notable lowlights. Despite these challenges, the overall performance and strategic expansions demonstrate resilience.Company Guidance
During the BOK Financial Corporation's First Quarter 2025 Earnings Conference Call, the company provided guidance on several key financial metrics. BOK Financial reported earnings of $119.8 million, translating to an EPS of $1.86 per diluted share. The company highlighted its strong capital position, with tangible common equity (TCE) reaching 9.5% and common equity tier 1 (CET1) at 13.3%. The loan-to-deposit ratio was reported at 62%, one of the lowest in its peer group, supporting its liquidity position. The combined allowance for credit losses stood at 1.4% of outstanding loans, with net charge-offs averaging 4 basis points over the last 12 months. The company experienced a contraction in its loan portfolio due to a 12.1% decrease in its energy loans, although commercial real estate loans increased by 2.1% quarter-over-quarter. BOK Financial also noted a trading-related net interest income increase, with a total liability beta of 74%. The company reiterated its commitment to strategic growth and long-term value creation for shareholders, with plans to expand into mortgage finance and warehouse lending later in the year.Strong Capital and Liquidity Position
TCE reached 9.5% and CET1 reached 13.3%. Loan-to-deposit ratio is at 62%, which is one of the lowest in the peer group.
Record Earnings
Reported earnings of $119.8 million or EPS of $1.86 per diluted share for the first quarter.
Net Interest Income Growth
Net interest income was strong and continued to see net interest margin expansion for the third quarter in a row.
Exceptional Credit Quality
Nonperforming assets not guaranteed by the U.S. government remained exceptionally low, with net charge-offs averaging 4 basis points over the last 12 months.
Diverse Fee Income Streams
Mortgage banking revenue grew $1.7 million linked quarter, driven by higher mortgage production.
Expansion into New Business Lines
Progress in the mortgage finance and warehouse lending business with system implementation underway, expected to launch in September to October.
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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
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BOKF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $89.65 | $88.13 | -1.70% |
| Jan 17, 2025 | $112.42 | $113.68 | +1.12% |
| Oct 21, 2024 | $109.07 | $106.88 | -2.01% |
| Jul 22, 2024 | $105.12 | $104.35 | -0.73% |
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.
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FAQ
When does Bok Financial Corp. (BOKF) report earnings?
Bok Financial Corp. (BOKF) is schdueled to report earning on Jul 23, 2025, TBA Not Confirmed.
What is Bok Financial Corp. (BOKF) earnings time?
Bok Financial Corp. (BOKF) earnings time is at Jul 23, 2025, TBA Not 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 2025 (Q2) is 2.
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