What is Bok Finl Corp's earnings per share (EPS)?

Bok Finl Corp (BOKF) reported diluted earnings per share of $9.17 for fiscal year 2025. This represents a 12.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bok Finl Corp Financials

BOKF

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Bok Finl Corp (BOKF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BOKF FY2025 2026-05-06

Profitability is improving through lower balance-sheet leverage, while cash generation remains driven by funding flows rather than earnings alone.

From FY2023 to FY2025, debt-to-equity fell from 1.7x to 0.8x while return on assets held near 1.1% and net income rose to $578M. That mix implies BOKF restored earnings with a thicker equity cushion, not by stretching the balance sheet, even though FY2025 revenue was below FY2024.

The biggest reporting trap is cash conversion: operating cash flow swung from $66M in FY2023 to $1.4B in FY2024 and back to $740M in FY2025, while net income stayed clustered around $524M-$578M. That pattern suggests cash flow is heavily shaped by funding and balance-sheet movements, so FCF volatility says less about core profitability here than it would for an industrial company.

FY2025’s per-share growth was helped by capital return as much as by higher profit: buybacks jumped to $413M and shares outstanding fell to 60.7M from 64.2M, helping EPS reach $9.17 on $578M of net income. Readers should separate the stronger business result from the smaller share base that amplified it.

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Bok Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Bok Finl Corp's revenue declined 4% year-over-year, from $2.6B to $2.5B. This contraction results in a growth score of 40/100.

Leverage

Bok Finl Corp carries a low D/E ratio of 0.78, meaning only $0.78 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 86/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Bok Finl Corp converts 22.7% of revenue into free cash flow ($575.2M). This strong cash generation earns a score of 87/100.

Returns

Bok Finl Corp's ROE of 9.8% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 9.4% the prior year.

Piotroski F-Score Neutral

6/9

Bok Finl Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.28x

For every $1 of reported earnings, Bok Finl Corp generates $1.28 in operating cash flow ($739.6M OCF vs $578.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.5B

YoY-4.0%

5Y CAGR+14.8%

10Y CAGR+12.7%

Bok Finl Corp generated $2.5B in revenue in fiscal year 2025. This represents a decrease of 4.0% from the prior year.

EBITDA

N/A

Net Income

$578.0M

YoY+10.4%

5Y CAGR+5.8%

10Y CAGR+7.2%

Bok Finl Corp reported $578.0M in net income in fiscal year 2025. This represents an increase of 10.4% from the prior year.

EPS (Diluted)

$9.17

YoY+12.7%

5Y CAGR+8.2%

10Y CAGR+8.1%

Bok Finl Corp earned $9.17 per diluted share (EPS) in fiscal year 2025. This represents an increase of 12.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$575.2M

YoY-54.3%

10Y CAGR+34.1%

Bok Finl Corp generated $575.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 54.3% from the prior year.

Cash & Debt

$1.7B

YoY+15.6%

5Y CAGR+7.0%

10Y CAGR-4.6%

Bok Finl Corp held $1.7B in cash against $4.6B in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.34

YoY+5.4%

5Y CAGR+2.7%

10Y CAGR+3.3%

Bok Finl Corp paid $2.34 per share in dividends in fiscal year 2025. This represents an increase of 5.4% from the prior year.

Shares Outstanding

61M

YoY-5.5%

5Y CAGR-2.7%

10Y CAGR-0.9%

Bok Finl Corp had 61M shares outstanding in fiscal year 2025. This represents a decrease of 5.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.8%

YoY+3.0pp

5Y CAGR-11.4pp

10Y CAGR-14.8pp

Bok Finl Corp's net profit margin was 22.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.0 percentage points from the prior year.

Return on Equity

9.8%

YoY+0.3pp

5Y CAGR+1.5pp

10Y CAGR+0.8pp

Bok Finl Corp's ROE was 9.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$413.2M

YoY+359.9%

5Y CAGR+40.4%

10Y CAGR+6.1%

Bok Finl Corp spent $413.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 359.9% from the prior year.

Capital Expenditures

$164.4M

YoY-4.2%

5Y CAGR+3.1%

10Y CAGR-4.7%

Bok Finl Corp invested $164.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 4.2% from the prior year.

BOKF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.5B-4.0%	$2.6B+12.6%	$2.3B+68.3%	$1.4B+18.0%	$1.2B-7.0%	$1.3B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$878.0M+8.2%	$811.2M+5.8%	$766.6M+14.3%	$670.9M-3.5%	$695.4M+1.0%	$688.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.2B-15.6%	$1.4B+33.2%	$1.1B+492.2%	$180.7M+192.0%	$61.9M-61.4%	$160.6M
Income Tax	$162.6M+13.7%	$143.1M-5.9%	$152.1M+8.8%	$139.9M-22.2%	$179.8M+39.6%	$128.8M
Net Income	$578.0M+10.4%	$523.6M-1.4%	$530.7M+2.0%	$520.3M-15.8%	$618.1M+42.1%	$435.0M
EPS (Diluted)	$9.17+12.7%	$8.14+1.5%	$8.02+4.4%	$7.68-14.2%	$8.95+44.6%	$6.19

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$615.9M-1.6%	$625.8M-2.9%	$644.5M+0.3%	$642.4M+3.9%	$618.6M-3.2%	$639.1M-6.1%	$680.3M+1.3%	$671.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$211.2M-5.2%	$222.7M-1.6%	$226.3M+5.4%	$214.7M+0.2%	$214.2M+1.7%	$210.7M+1.9%	$206.8M+8.2%	$191.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$273.4M-2.6%	$280.5M-8.6%	$306.8M-2.4%	$314.3M+4.0%	$302.3M-7.3%	$326.1M-12.4%	$372.2M-1.0%	$375.8M
Income Tax	$43.9M-14.3%	$51.2M+43.5%	$35.7M-12.2%	$40.7M+16.3%	$35.0M-10.9%	$39.3M+17.9%	$33.3M-29.6%	$47.3M
Net Income	$155.8M-12.1%	$177.3M+25.8%	$140.9M+0.6%	$140.0M+16.9%	$119.8M-12.0%	$136.2M-2.7%	$140.0M-14.5%	$163.7M
EPS (Diluted)	$2.58	N/A	$2.22+1.4%	$2.19+17.7%	$1.86	N/A	$2.18-14.2%	$2.54

BOKF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$52.2B+5.1%	$49.7B-0.3%	$49.8B+4.3%	$47.8B-4.9%	$50.2B+7.7%	$46.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.7B+15.6%	$1.4B+6.4%	$1.3B-3.8%	$1.4B-50.6%	$2.8B+140.3%	$1.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B-0.3%	$1.0B
Total Liabilities	$46.3B+4.9%	$44.1B-1.2%	$44.7B+3.7%	$43.1B-4.0%	$44.9B+8.5%	$41.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.6B+4.0%	$4.5B-50.3%	$9.0B+25.5%	$7.1B+186.2%	$2.5B-34.7%	$3.8B
Total Equity	$5.9B+6.7%	$5.5B+7.9%	$5.1B+9.8%	$4.7B-12.7%	$5.4B+1.9%	$5.3B
Retained Earnings	$6.0B+7.7%	$5.6B+7.3%	$5.2B+8.0%	$4.8B+8.5%	$4.4B+11.9%	$4.0B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$53.8B+2.9%	$52.2B+4.1%	$50.2B-1.6%	$51.0B+1.0%	$50.5B+1.6%	$49.7B-0.8%	$50.1B-0.6%	$50.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.4B-14.8%	$1.7B+16.3%	$1.4B+4.9%	$1.4B-4.1%	$1.4B-1.3%	$1.4B-2.8%	$1.5B+37.2%	$1.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$47.8B+3.2%	$46.3B+4.9%	$44.2B-2.1%	$45.1B+0.9%	$44.7B+1.3%	$44.1B-0.7%	$44.5B-1.6%	$45.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$4.6B	N/A	N/A	N/A	$4.5B	N/A	N/A
Total Equity	$6.0B+0.9%	$5.9B-1.7%	$6.0B+2.2%	$5.9B+2.1%	$5.8B+4.0%	$5.5B-1.1%	$5.6B+7.3%	$5.2B
Retained Earnings	$6.1B+2.0%	$6.0B+2.4%	$5.9B+1.8%	$5.8B+1.8%	$5.7B+1.5%	$5.6B+1.8%	$5.5B+1.9%	$5.4B

BOKF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$739.6M-48.3%	$1.4B+2061.4%	$66.2M-98.7%	$5.1B+238.7%	-$3.7B-787.1%	-$416.3M
Capital Expenditures	$164.4M-4.2%	$171.6M+3.4%	$165.9M-22.8%	$215.0M+5.3%	$204.3M+44.7%	$141.1M
Free Cash Flow	$575.2M-54.3%	$1.3B+1362.2%	-$99.7M-102.0%	$4.9B+225.9%	-$3.9B-599.1%	-$557.4M
Investing Cash Flow	-$1.5B-218.9%	-$477.2M+73.4%	-$1.8B+61.1%	-$4.6B-276.9%	$2.6B+205.8%	-$2.5B
Financing Cash Flow	$1.0B+216.0%	-$866.8M-151.9%	$1.7B+185.5%	-$2.0B-171.2%	$2.7B-1.8%	$2.8B
Dividends Paid	$147.5M+3.2%	$143.0M-0.3%	$143.4M-0.3%	$143.8M-0.2%	$144.1M-0.2%	$144.4M
Share Buybacks	$413.2M+359.9%	$89.9M-49.2%	$176.8M+14.2%	$154.9M+31.3%	$117.9M+55.5%	$75.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$248.7M-4.5%	-$237.9M-127.4%	$867.8M+870.8%	$89.4M+341.3%	$20.3M-96.3%	$541.0M+119.3%	$246.7M-46.8%	$463.5M
Capital Expenditures	$35.7M-38.7%	$58.3M+98.7%	$29.3M+2.7%	$28.6M-40.8%	$48.2M+2.3%	$47.1M+26.8%	$37.2M-19.8%	$46.4M
Free Cash Flow	-$284.4M+4.0%	-$296.2M-135.3%	$838.5M+1278.4%	$60.8M+317.5%	-$28.0M-105.7%	$493.9M+135.7%	$209.5M-49.8%	$417.2M
Investing Cash Flow	-$650.7M+12.0%	-$739.4M-39.4%	-$530.5M+22.7%	-$686.6M-257.9%	$434.7M+413.1%	-$138.8M-117.8%	$780.8M+249.5%	-$522.3M
Financing Cash Flow	$653.7M-45.9%	$1.2B+547.3%	-$270.3M-150.1%	$539.6M+214.1%	-$473.0M-6.6%	-$443.5M+29.3%	-$627.6M-2913.1%	-$20.8M
Dividends Paid	$37.6M-1.5%	$38.2M+5.4%	$36.3M-0.8%	$36.5M+0.2%	$36.5M-1.1%	$36.9M+4.9%	$35.1M-0.7%	$35.4M
Share Buybacks	$0-100.0%	$308.4M+652.6%	$41.0M-34.7%	$62.8M+6218.0%	$994K+1190.9%	$77K	$0-100.0%	$37.6M

BOKF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.8%+3.0pp	19.9%-2.8pp	22.7%-14.7pp	37.4%-15.0pp	52.4%+18.1pp	34.3%
Return on Equity	9.8%+0.3pp	9.4%-0.9pp	10.3%-0.8pp	11.1%-0.4pp	11.5%+3.3pp	8.3%
Return on Assets	1.1%+0.1pp	1.1%-0.0pp	1.1%-0.0pp	1.1%-0.1pp	1.2%+0.3pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.78-0.0	0.80-0.9	1.74+0.2	1.52+1.1	0.47-0.3	0.73
FCF Margin	22.7%-25.0pp	47.8%+52.0pp	-4.3%-356.8pp	352.5%+682.8pp	-330.3%-286.3pp	-43.9%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.3%-3.0pp	28.3%+6.5pp	21.9%+0.1pp	21.8%+2.4pp	19.4%-1.9pp	21.3%+0.7pp	20.6%-3.8pp	24.4%
Return on Equity	2.6%-0.4pp	3.0%+0.7pp	2.3%-0.0pp	2.4%+0.3pp	2.1%-0.4pp	2.5%-0.0pp	2.5%-0.6pp	3.1%
Return on Assets	0.3%-0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.0pp	0.2%-0.0pp	0.3%0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.00+7.2	0.78-6.6	7.33-0.3	7.66-0.1	7.74+6.9	0.80-7.1	7.92-0.7	8.64
FCF Margin	-46.2%+1.1pp	-47.3%-177.4pp	130.1%+120.6pp	9.5%+14.0pp	-4.5%-81.8pp	77.3%+46.5pp	30.8%-31.3pp	62.1%

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Frequently Asked Questions

What is Bok Finl Corp's annual revenue?

Bok Finl Corp (BOKF) reported $2.5B in total revenue for fiscal year 2025. This represents a -4.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bok Finl Corp's revenue growing?

Bok Finl Corp (BOKF) revenue declined by 4% year-over-year, from $2.6B to $2.5B in fiscal year 2025.

Is Bok Finl Corp profitable?

Yes, Bok Finl Corp (BOKF) reported a net income of $578.0M in fiscal year 2025, with a net profit margin of 22.8%.

How much debt does Bok Finl Corp have?

As of fiscal year 2025, Bok Finl Corp (BOKF) had $1.7B in cash and equivalents against $4.6B in long-term debt.

What is Bok Finl Corp's net profit margin?

Bok Finl Corp (BOKF) had a net profit margin of 22.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bok Finl Corp pay dividends?

Yes, Bok Finl Corp (BOKF) paid $2.34 per share in dividends during fiscal year 2025.

What is Bok Finl Corp's return on equity (ROE)?

Bok Finl Corp (BOKF) has a return on equity of 9.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bok Finl Corp's free cash flow?

Bok Finl Corp (BOKF) generated $575.2M in free cash flow during fiscal year 2025. This represents a -54.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bok Finl Corp's operating cash flow?

Bok Finl Corp (BOKF) generated $739.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bok Finl Corp's total assets?

Bok Finl Corp (BOKF) had $52.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bok Finl Corp's capital expenditures?

Bok Finl Corp (BOKF) invested $164.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Bok Finl Corp buy back shares?

Yes, Bok Finl Corp (BOKF) spent $413.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bok Finl Corp have outstanding?

Bok Finl Corp (BOKF) had 61M shares outstanding as of fiscal year 2025.

What is Bok Finl Corp's debt-to-equity ratio?

Bok Finl Corp (BOKF) had a debt-to-equity ratio of 0.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bok Finl Corp's return on assets (ROA)?

Bok Finl Corp (BOKF) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bok Finl Corp's Piotroski F-Score?

Bok Finl Corp (BOKF) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bok Finl Corp's earnings high quality?

Bok Finl Corp (BOKF) has an earnings quality ratio of 1.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bok Finl Corp?

Bok Finl Corp (BOKF) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.