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Bok Financial Corp. (BOKF)
NASDAQ:BOKF
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.27Last Year’s EPS
1.86Same Quarter Last Year
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong operational and financial performance: record EPS, broad-based loan growth, margin expansion, resilient fee income (asset management and AUMA growth), excellent credit metrics, and solid capital levels with opportunistic buybacks. Lowlights were mostly manageable or one-time factors (Q4 non-recurring gains and FDIC benefit, a modest q/q CRE decline, early-stage mortgage finance funding timing, and sensitivity to market-driven trading and deposit dynamics). Given the materially positive operating results and conservative/transparent guidance that accounts for potential normalization, the positives significantly outweigh the negatives.Company Guidance
Record Quarterly and Annual Earnings
Q4 earnings of $177.3 million and EPS of $2.89; full year 2025 earnings $578 million and EPS $9.17 — record high EPS for both the quarter and the year.
Strong Loan Growth
Total loan balances expanded by more than $1.5 billion or 6.4% for FY2025; loans grew $786 million or 3.2% sequentially in Q4 and the portfolio grew at an annualized 11% over the last nine months of the year.
Diverse Portfolio Growth
Broad-based quarter: core C&I portfolio up 5.5% sequentially, healthcare loans +3.3% in Q4, energy loans grew by >$200 million, and commercial real estate +12.1% year-over-year (despite a -1.4% q/q decline driven by refinance activity).
Net Interest Income and Margin Expansion
Net interest income increased in Q4; reported NIM expanded 7 basis points sequentially (core margin +6 bps), with NII guidance for 2026 of $1.44B–$1.48B assuming two rate cuts and a steeper curve.
Fee Income Strength and Asset Management Momentum
Fee income contributed $801 million for the year (a peer-leading 38% of total revenue). Q4 fee income rose ~5% sequentially, asset management and transaction card lines posted record quarters, and AUMA grew $3.9 billion to a record $126.6 billion.
Excellent Credit Metrics
Combined allowance of $327 million, or 1.28% of outstanding loans; annualized net charge-off rate of 3 basis points for the year; Q4 net charge-offs only $1.4 million; nonperforming assets fell $0.85 million to $66 million (NPA ratio ~26 bps).
Capital and Shareholder Returns
Strong capital levels: tangible common equity 9.5% and CET1 12.9%. Opportunistic repurchases of over 2.6 million shares in Q4 at an average price of $107.99.
One-time Gain Recognized
Exited a merchant banking investment in Q4, recognizing a $23.5 million pretax gain, which favorably impacted other operating revenue in 2025.
Positive 2026 Financial Outlook
Guidance: end-of-period loan growth in the upper single digits, fee income $800M–$825M, total revenue mid-single-digit growth, expenses low-single-digit growth, and an anticipated efficiency ratio of 63%–64% for 2026.
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 |
|---|---|---|---|
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% |
Apr 21, 2025 | $88.13 | $86.64 | -1.69% |
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 Apr 29, 2026, Before Open (Confirmed).
What is Bok Financial Corp. (BOKF) earnings time?
Bok Financial Corp. (BOKF) earnings time is at Apr 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 (Q1) is 2.27.