BOK Financial Corporation's earnings call reflected strong financial performance with significant loan growth, improved fee income, and robust capital levels. However, there were some challenges, including a decrease in the energy portfolio and increased technology costs. Overall, the positive developments and strategic initiatives suggest a favorable outlook.

Company Guidance -

Q3 2025

During BOK Financial Corporation's Second Quarter 2025 Earnings Conference Call, the company provided guidance characterized by strong momentum. The firm reported earnings of $140 million, or $2.19 per diluted share. Loan growth accelerated, with a 2.5% quarterly increase, driven by a 6.9% rise in commercial real estate and 1.1% growth in the core C&I portfolio. The company's capital position strengthened, with TCE at 9.6% and CET1 at 13.6%. Fee income increased by 7.2% sequentially, while net interest income grew for the fifth consecutive quarter. The loan-to-deposit ratio stood at 64%, and criticized and classified asset levels remained below pre-pandemic levels, with a combined allowance for credit losses at 1.36% of outstanding loans. Looking ahead, the launch of a new mortgage finance line is expected to support future loan growth.

Strong Earnings and EPS

Reported earnings of $140 million or EPS of $2.19 per diluted share for the second quarter, indicating strong financial performance.

Loan Growth Momentum

Total outstanding loans grew 2.5% this quarter, over 10% on an annualized basis, led by growth in commercial real estate, core C&I portfolio, and loans to individuals.

Fee Income Growth

Fee income rose 7.2% sequentially with total trading revenue up 31% from the prior quarter, showcasing strong performance across fee income businesses.

Net Interest Income and Margin Expansion

Net interest income increased for the fifth consecutive quarter, and the margin expanded by 2 basis points.

Robust Capital Levels

TCE reached 9.6% and CET1 reached 13.6% despite capital actions like repurchasing shares and redeeming Tier 2 capital instruments.

Record AUMA and Fiduciary Revenue

AUMA increased $3.9 billion linked quarter to $117.9 billion, with fiduciary and asset management posting record revenue.

Loan-to-Deposit Ratio and Deposit Optimization

With a loan-to-deposit ratio of 64%, the company is well positioned to optimize deposit book pricing.

Bok Financial (BOKF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BOKF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	2.17 / -	2.18	―	―	―
Jul 21, 2025	2025 (Q2)	1.99 / 2.19	2.54	-13.78% (-0.35)
Apr 21, 2025	2025 (Q1)	1.99 / 1.86	1.29	44.19% (+0.57)
Jan 17, 2025	2024 (Q4)	1.99 / 2.12	1.26	68.25% (+0.86)
Oct 21, 2024	2024 (Q3)	1.98 / 2.18	2.04	6.86% (+0.14)
Jul 22, 2024	2024 (Q2)	2.17 / 2.54	2.27	11.89% (+0.27)
Apr 24, 2024	2024 (Q1)	1.56 / 1.29	2.43	-46.91% (-1.14)
Jan 24, 2024	2023 (Q4)	1.75 / 1.26	2.51	-49.80% (-1.25)
Oct 25, 2023	2023 (Q3)	2.09 / 2.04	2.32	-12.07% (-0.28)
Jul 26, 2023	2023 (Q2)	2.26 / 2.27	1.96	15.82% (+0.31)

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
Jul 21, 2025	$106.70	$105.76	-0.88%
Apr 21, 2025	$89.13	$87.62	-1.69%
Jan 17, 2025	$111.77	$113.02	+1.12%
Oct 21, 2024	$108.44	$106.26	-2.01%

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 Oct 22, 2025, Before Open (Confirmed).

What is Bok Financial Corp. (BOKF) earnings time?

Bok Financial Corp. (BOKF) earnings time is at Oct 22, 2025, 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 2025 (Q3) is 2.17.

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