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BOK Financial BOKF Q2 2025 earnings

Reported July 21, 2025 · After market close

Revenue$528.6MMiss by $9.8M
EPS$2.19Beat by $0.21
Revenue estimate$538.4M
EPS estimate$1.98

Next report

Oct 19, 2026 (in 3 months)
Revenue estimate$571.9M
EPS estimate$2.54

Financials

Q2 2025

Income statement

See full
Revenue$535.3M-3.7%
Net income$140.0M-14.5%
EPS (diluted)$2.19-13.8%

Balance sheet

See full
Cash & equivalents$1.4B+26.3%
Total equity$5.9B+12.7%
Total assets$51.0B+1.2%

Cash flow

See full
Operating cash flow$89.4M-80.7%
CapEx$28.6M-38.4%
Free cash flow$60.8M-85.4%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$6.14B+3.9%
P/E11.5×-1.3×
P/S3×0.0×

Profitability

See full
Net margin25.8%+2.7pp
FCF margin35.4%-19.9pp

Returns & leverage

See full
Return on equity9.6%+0.4pp

Segments

By product

See full
Personal trust revenue$28.0M+4.7%
TransFund EFT network revenue$24.6M+8.7%
Commercial account service charge revenue$18.4M+10.9%
Institutional trust & retirement plan services revenue$17.9M+8.3%
Corporate trust revenue$11.7M+35.4%

Versus estimates

Revenue

Q2 2026$553.8MMiss by $14.3MQ1 2026$552.3MBeat by $899.1KQ3 2025$537.7MMiss by $2.7M
Q2 2025$528.6MMiss by $9.8M
Q1 2025$495.3MMiss by $24.8MQ4 2024$432.7MMiss by $89.9M

Diluted EPS

Q2 2026$2.92Beat by $0.24Q1 2026$2.58Beat by $0.28Q3 2025$2.22Beat by $0.05
Q2 2025$2.19Beat by $0.21
Q1 2025$1.86Miss by $0.13Q4 2024$2.12Beat by $0.15

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Questions, answered.

When did BOK Financial report Q2 2025 earnings?
BOK Financial (BOKF) reported Q2 2025 earnings on July 21, 2025 after market close.
What were BOK Financial's Q2 2025 revenue and EPS?
BOK Financial reported revenue of $528.6M and eps of $2.19 for Q2 2025.
Did BOK Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $538.4M by $9.8M. EPS beat the consensus estimate of $1.98 by $0.21.
How did BOK Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 3.4% from $547.2M a year earlier and eps declined 13.8% from $2.54.
Where can I find BOK Financial's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000875357-25-000045) directly on SEC EDGAR. The filing index links above go to sec.gov.