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BOK Financial BOKF Q3 2025 earnings

Reported October 20, 2025 · After market close

Revenue$537.7MMiss by $2.7M
EPS$2.22Beat by $0.05
Revenue estimate$540.4M
EPS estimate$2.17

Next report

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

Financials

Q3 2025

Income statement

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Revenue$548.4M+6.2%
Net income$140.9M+0.6%
EPS (diluted)$2.22+1.8%

Balance sheet

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Cash & equivalents$1.4B-3.4%
Total equity$6.0B+7.3%
Total assets$50.2B+0.2%

Cash flow

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Operating cash flow$867.8M+252%
CapEx$29.3M-21.1%
Free cash flow$838.5M+300%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$7.09B+5.7%
P/E13.2×-1.1×
P/S3.4×+0.1×

Profitability

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Net margin25.5%+2.3pp
FCF margin64.7%+51.6pp

Returns & leverage

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Return on equity9.2%+0.2pp

Segments

By product

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Personal trust revenue$27.2M+8.7%
TransFund EFT network revenue$24.5M+2.4%
Institutional trust & retirement plan services revenue$19.1M+12.0%
Commercial account service charge revenue$18.6M+9.9%
Investment banking revenue$11.9M+10.3%

Versus estimates

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Questions, answered.

When did BOK Financial report Q3 2025 earnings?
BOK Financial (BOKF) reported Q3 2025 earnings on October 20, 2025 after market close.
What were BOK Financial's Q3 2025 revenue and EPS?
BOK Financial reported revenue of $537.7M and eps of $2.22 for Q3 2025.
Did BOK Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $540.4M by $2.7M. EPS beat the consensus estimate of $2.17 by $0.05.
How did BOK Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.0% from $507.3M a year earlier and eps grew 1.8% from $2.18.
Where can I find BOK Financial's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000875357-25-000057) directly on SEC EDGAR. The filing index links above go to sec.gov.