BOK Financial Corporation, listed on the NASDAQ as BOKF, is a prominent financial services company operating primarily in the Southwest and Midwest regions of the United States. The company offers a wide range of banking services, including loans, deposits, and wealth management. BOKF competes with other regional banks, striving to maintain a strong market presence and deliver value to its shareholders.
On January 20, 2026, BOKF reported its earnings, revealing an impressive earnings per share (EPS) of $2.91, which exceeded the estimated EPS of $2.16. This achievement highlights the company's strong financial performance, as emphasized during its Q4 2025 earnings call. The call provided insights into BOKF's strategic direction and future outlook, offering valuable information for investors and stakeholders.
BOKF's revenue for the period reached approximately $560.1 million, surpassing the estimated revenue of about $549.4 million. This record-breaking performance for the fourth quarter and full year of 2025 was driven by robust growth in both loans and deposits. Loans increased by 3.2% sequentially to $25.6 billion, while deposits rose by 2.4% to $39.4 billion, indicating sustained economic momentum in its key markets.
The company's net interest margin expanded to 2.98%, supported by reduced funding costs and disciplined expense management. Despite facing rising operating expenses, BOKF's strong performance was bolstered by higher net interest income and increased fees. The adjusted net income per share reached $2.48, surpassing the Zacks Consensus Estimate of $2.13 and marking a 16.9% increase from the previous year.
BOKF's financial metrics provide further insight into its market valuation. The company has a price-to-earnings (P/E) ratio of approximately 13.68 and a price-to-sales ratio of about 2.47. The enterprise value to sales ratio is around 3.56, while the enterprise value to operating cash flow ratio is approximately 7.80. These figures, along with an earnings yield of about 7.31% and a debt-to-equity ratio of approximately 0.78, reflect BOKF's financial health and ability to generate cash from its operations.
