Bok Finl Corp (BOKF) reported $2.5B in revenue over the twelve months to Jun 30, 2026, down 2.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
BOK Financial’s dominant mechanic is balance-sheet intermediation: earnings recover while leverage moderates and cash flow swings independently of profit.
FY2025 paired a10.4% increase in net income with a4.0% revenue decline from FY2024, so the earnings recovery did not require top-line expansion. Lower interest expense alongside the rebound in net margin points to financing-cost relief or mix effects, not a simple volume story.
Debt-to-equity fell from 1.7x in FY2023 to 0.8x in FY2025, marking a substantial reduction from the period’s peak leverage. Assets nevertheless reached
Operating cash flow swung from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Bok Finl Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Bok Finl Corp generated $2.5B in revenue in fiscal year 2025. This represents a decrease of 4.0% from the prior year.
Bok Finl Corp reported $578.0M in net income in fiscal year 2025. This represents an increase of 10.4% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Bok Finl Corp held $1.7B in cash against $4.6B in long-term debt as of fiscal year 2025.
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.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
BOKF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $639.1M+3.8% | $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 |
| SG&A Expenses | $214.1M+1.4% | $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 |
| Interest Expense | $287.3M+5.1% | $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 |
| Income Tax | $51.1M+16.4% | $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 |
| Net Income | $176.5M+13.3% | $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 |
| EPS (Diluted) | $2.92+13.2% | $2.58-11.0% | $2.90+30.6% | $2.22+1.4% | $2.19+17.7% | $1.86-12.7% | $2.13-2.3% | $2.18 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
BOKF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $53.2B-1.1% | $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 |
| Cash & Equivalents | $1.5B+7.7% | $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 |
| 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 | $47.1B-1.4% | $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 |
| Long-Term Debt | N/A | N/A | $4.6B | N/A | N/A | N/A | $4.5B | N/A |
| Total Equity | $6.1B+1.8% | $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 |
| Retained Earnings | $6.3B+2.3% | $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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
BOKF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.1B+551.5% | -$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 |
| Capital Expenditures | $47.2M+32.2% | $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 |
| Free Cash Flow | $1.1B+478.2% | -$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 |
| Investing Cash Flow | -$866.6M-33.2% | -$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 |
| Financing Cash Flow | -$147.2M-122.5% | $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 |
| Dividends Paid | $38.2M+1.5% | $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 |
| Share Buybacks | $8.2M | $0-100.0% | $308.4M+652.6% | $41.0M-34.7% | $62.8M+6218.0% | $994K+1190.9% | $77K | $0 |
BOKF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.6%+2.3pp | 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% |
| Return on Equity | 2.9%+0.3pp | 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% |
| Return on Assets | 0.3%0.0pp | 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% |
| Debt-to-Equity | 7.74-0.3x | 8.00+7.2x | 0.78-6.6x | 7.33-0.3x | 7.66-0.1x | 7.74+6.9x | 0.80-7.1x | 7.92 |
| FCF Margin | 168.3% | -46.2%+1.1pp | -47.3% | 130.1% | 9.5%+14.0pp | -4.5%-81.8pp | 77.3%+46.5pp | 30.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Bok Finl Corp Ranks
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 4.0% 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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 63 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.