BOK Financial Corp
NASDAQ:BOKF
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BOK Financial Corp
Nestled in the heart of Tulsa, Oklahoma, BOK Financial Corporation has grown beyond its regional roots to become a prominent player in the world of finance. Established in 1910, this century-old institution has evolved into a diversified financial services powerhouse. The company operates through a robust network of banking centers across eight states. Banking is its core business, and BOK Financial provides an array of services that cater to both individual and corporate clients. This includes personal banking, commercial banking, wealth management, and mortgage services. By lending funds at interest rates higher than what it pays on deposits, BOK Financial earns a substantial interest income. Yet, it doesn't stop there; the wealth management and brokerage services add a steady stream of non-interest income through fees and commissions, creating a balanced revenue model.
Beyond traditional banking, BOK Financial's clever navigation of the financial landscape is evident in its energy financing expertise. Given its geographic footprint in energy-rich areas, the company has developed significant proficiency in providing financial solutions tailored to the oil and gas sector. This specialization not only helps in diversifying its loan portfolio but also opens up a unique revenue stream. Its well-rounded approach emphasizes prudent risk management and customer-centric solutions, fostering long-term relationships with clients. Moreover, BOK Financial's commitment to community-focused banking and philanthropy has helped it build a reputation as a caring, involved corporate citizen, further solidifying its presence and reputation in the markets it serves.
Nestled in the heart of Tulsa, Oklahoma, BOK Financial Corporation has grown beyond its regional roots to become a prominent player in the world of finance. Established in 1910, this century-old institution has evolved into a diversified financial services powerhouse. The company operates through a robust network of banking centers across eight states. Banking is its core business, and BOK Financial provides an array of services that cater to both individual and corporate clients. This includes personal banking, commercial banking, wealth management, and mortgage services. By lending funds at interest rates higher than what it pays on deposits, BOK Financial earns a substantial interest income. Yet, it doesn't stop there; the wealth management and brokerage services add a steady stream of non-interest income through fees and commissions, creating a balanced revenue model.
Beyond traditional banking, BOK Financial's clever navigation of the financial landscape is evident in its energy financing expertise. Given its geographic footprint in energy-rich areas, the company has developed significant proficiency in providing financial solutions tailored to the oil and gas sector. This specialization not only helps in diversifying its loan portfolio but also opens up a unique revenue stream. Its well-rounded approach emphasizes prudent risk management and customer-centric solutions, fostering long-term relationships with clients. Moreover, BOK Financial's commitment to community-focused banking and philanthropy has helped it build a reputation as a caring, involved corporate citizen, further solidifying its presence and reputation in the markets it serves.
Record EPS: BOK Financial delivered record earnings per share of $2.89 for Q4 and $9.17 for the full year 2025.
Broad-Based Loan Growth: Loans expanded 3.2% quarter-over-quarter and 6.4% year-over-year, with growth driven by C&I, healthcare, and energy segments.
Strong Fee Income: Fee income reached $801 million for the year and $214.9 million for Q4, contributing a peer-leading 38% of total revenue.
Excellent Credit Quality: Net charge-offs remained low at 3 basis points, and nonperforming assets dropped to 26 basis points of loans and repossessed assets.
Rising Net Interest Margin: NIM increased 7 basis points in Q4, continuing a trend of expansion each quarter in 2025.
Shareholder Returns: Over 2.6 million shares were repurchased in Q4 at an average price of $107.99.
2026 Guidance: Management expects upper single-digit loan growth, net interest income between $1.44–$1.48 billion, and fee income of $800–$825 million.
