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BOK Financial (BOKF) reported $523.09 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 4.3%. EPS of $2.12 for the same period compares to $1.78 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $519.15 million, representing a surprise of +0.76%. The company delivered an EPS surprise of +7.61%, with the consensus EPS estimate being $1.97.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings - ...

BOK Financial Corporation’s (BOKF) fourth-quarter 2024 adjusted earnings per share (EPS) of $2.12 beat the Zacks Consensus Estimate of $1.97. The bottom line increased from earnings per share of $1.26 a year ago.Find the latest earnings estimates and surprises on the Zacks Earnings Calendar.For 2024, adjusted EPS was $8.14, which beat the Zacks Consensus Estimate of $8.07. This compares favorably with $8.02 reported in the year-ago quarter.The results benefited from higher loans and deposit balances. An inc ...

Earnings and Net Income - Annual earnings for 2024 were $524 million, or $8.14 per share, with Q4 earnings of $136 million, or $2.12 per share[1] - Net income attributable to BOK Financial Corporation shareholders for Q4 2024 was $136.154 million, up from $82.575 million in Q4 2023[48] - Net income per diluted share for Q4 2024 was $2.12, up from $1.26 in Q4 2023[48] - Net income attributable to BOK Financial Corporation shareholders for Q4 2024 was $136.154 million, compared to $139.999 million in Q3 2024[49] Net Interest Income and Margin - Net interest income for Q4 2024 increased by $4.9 million to $313.0 million, with a net interest margin of 2.75%, up 7 basis points from the prior quarter[1][4] - Net interest income for Q4 2024 increased to $313.046 million, up from $296.675 million in Q4 2023[48] - Net interest income for Q4 2024 was $313.046 million, showing a slight increase from $308.119 million in Q3 2024[49] - Net interest margin increased to 2.75% in Q4 2024 from 2.68% in Q3 2024[50] - The tax-equivalent net interest margin for BOK Financial Corporation was 2.75% in December 2024, up from 2.64% in December 2023[62] - Net interest income excluding trading activities increased to $308.398 million in Q4 2024 from $304.368 million in Q3 2024[54] - Net interest margin on average interest-earning assets excluding trading activities rose to 3.09% in Q4 2024 from 3.02% in Q3 2024[54] Fees and Commissions Revenue - Fees and commissions revenue grew by $4.4 million to $206.9 million in Q4 2024, driven by higher brokerage and trading revenue[1][8] - Total fees and commissions for Q4 2024 were $206.938 million, up from $196.790 million in Q4 2023[48] - Total fees and commissions for Q4 2024 were $206.938 million, up from $202.494 million in Q3 2024[49] Loans and Deposits - Period-end loans increased by $130 million to $24.1 billion, with commercial loan growth partially offset by a decrease in commercial real estate loans[1] - Average deposits grew by $1.1 billion to $37.8 billion in Q4 2024, with period-end deposits reaching $38.2 billion[1] - Outstanding loans increased by $130 million to $24.1 billion at December 31, 2024, driven by growth in commercial loans and loans to individuals, partially offset by a decrease in commercial real estate loans[15] - Period end deposits increased by $964 million to $38.2 billion, with interest-bearing transaction accounts rising $1.1 billion[23] - Total loans as of December 31, 2024, stood at $24.024 billion, slightly down from $24.305 billion in September 2024[47] - Total deposits increased to $37.819 billion in Q4 2024, compared to $36.760 billion in Q3 2024[47] - Total loans increased to $24,114,724 thousand in Q4 2024, up from $23,904,968 thousand in Q4 2023, reflecting a growth of 0.88% year-over-year[58] - Total deposits for BOK Financial Corporation increased to $38.19 billion as of December 31, 2024, up from $34.02 billion in December 2023, reflecting a growth of 12.3% year-over-year[61] Nonperforming Assets and Loan Quality - Nonperforming assets reached a historic low of $49 million, or 0.20% of outstanding loans, in Q4 2024, down from $87 million in the prior quarter[1] - Nonperforming assets decreased to $49 million, or 0.20% of outstanding loans, compared to $87 million, or 0.36%, at September 30, 2024[29] - Nonperforming assets decreased to $48.98 million in Q4 2024 from $86.94 million in Q3 2024, a 43.7% decline[63] - Total nonaccruing loans dropped to $46.73 million in Q4 2024 from $84.32 million in Q3 2024, a 44.6% decrease[63] - Net charge-offs in Q4 2024 were $528 thousand, compared to net recoveries of $54 thousand in Q3 2024[63] - Allowance for loan losses to nonaccruing loans ratio improved to 701.46% in Q4 2024 from 365.65% in Q3 2024[64] - Nonperforming assets to period end loans and repossessed assets ratio decreased to 0.20% in Q4 2024 from 0.36% in Q3 2024[64] Capital and Ratios - The company's common equity Tier 1 capital ratio was 13.03% at December 31, 2024, up from 12.73% at September 30, 2024[26] - Common equity Tier 1 capital ratio improved to 13.03% in Q4 2024 from 12.73% in Q3 2024[50] - Return on average assets for Q4 2024 was 1.07%, slightly down from 1.09% in Q3 2024[50] - Book value per share rose to $86.53 in Q4 2024 from $87.53 in Q3 2024[50] - Dividend payout ratio for Q4 2024 was 26.75%, up from 25.11% in Q3 2024[50] - Efficiency ratio improved to 65.61% in Q4 2024 from 65.11% in Q3 2024[50] - Tangible common equity ratio improved to 9.17% in Q4 2024 from 9.22% in Q3 2024[52] - Return on average tangible common equity decreased to 12.09% in Q4 2024 from 12.80% in Q3 2024[52] - Efficiency ratio increased to 65.61% in Q4 2024 from 65.11% in Q3 2024[52] - Pre-provision net revenue remained stable at $175.434 million in Q4 2024 compared to $175.312 million in Q3 2024[52] Sector-Specific Loan Performance - Commercial loan balances increased by $152 million, with general business loans rising $136 million to $4.2 billion, representing 17% of total loans[16] - Energy loan balances increased by $128 million to $3.3 billion, representing 13% of total loans, with 70% secured by oil-producing properties[17] - Services sector loan balances increased by $70 million to $3.6 billion, representing 15% of total loans[18] - Healthcare sector loan balances decreased by $182 million to $4.0 billion, representing 16% of total loans[19] - Commercial real estate loan balances decreased by $130 million to $5.1 billion, representing 21% of total loans, with a $128 million increase in multifamily property loans[20] - Loans to individuals increased by $108 million to $4.0 billion, representing 17% of total loans[21] - Commercial loans in Texas decreased slightly to $7,411,416 thousand in Q4 2024 from $7,437,800 thousand in Q3 2024, a decline of 0.35% quarter-over-quarter[59] - Commercial real estate loans in Oklahoma increased to $513,101 thousand in Q4 2024, up from $557,025 thousand in Q3 2024, a decrease of 7.88% quarter-over-quarter[59] - Loans to individuals in Colorado decreased to $213,768 thousand in Q4 2024 from $216,938 thousand in Q3 2024, a decline of 1.46% quarter-over-quarter[59] - Total loans in Arizona remained stable at $2,396,534 thousand in Q4 2024, compared to $2,398,648 thousand in Q3 2024, a slight decrease of 0.09% quarter-over-quarter[59] - Commercial loans in New Mexico increased to $325,246 thousand in Q4 2024 from $324,605 thousand in Q3 2024, a growth of 0.20% quarter-over-quarter[59] - Loans to individuals in Arkansas increased to $11,628 thousand in Q4 2024 from $12,233 thousand in Q3 2024, a decrease of 4.95% quarter-over-quarter[59] - Total loans in Kansas/Missouri increased to $986,106 thousand in Q4 2024 from $903,318 thousand in Q3 2024, a growth of 9.16% quarter-over-quarter[59] - Commercial loans in Arkansas increased to $130,772 thousand in Q4 2024 from $128,842 thousand in Q3 2024, a growth of 1.50% quarter-over-quarter[59] - Total loans in New Mexico increased to $788,166 thousand in Q4 2024 from $775,153 thousand in Q3 2024, a growth of 1.68% quarter-over-quarter[59] Wealth Management and Fiduciary Assets - Wealth Management contributed $48.9 million to net income before taxes in Q4 2024, an increase of $10.1 million over Q3 2024[41] - Assets under management or administration in Wealth Management were $114.6 billion, an increase of $3.9 billion, or 4%[41] - Combined net interest income and fee revenue in Wealth Management increased $10.8 million in Q4 2024[41] - Fiduciary assets increased 6.7% to $67.98 billion in Q4 2024 from Q3 2024[65] - Assets under management or administration rose 3.5% to $114.62 billion in Q4 2024 compared to Q3 2024[65] Mortgage Production and Realized Margin - Mortgage production revenue decreased to $1.282 million in Q4 2024 from $1.563 million in Q3 2024, a decline of 18%[51] - Total mortgage production volume dropped to $174.788 million in Q4 2024 from $231.891 million in Q3 2024, a decrease of 25%[51] - Mortgage loan refinances as a percentage of mortgage loans funded for sale increased to 19% in Q4 2024 from 11% in Q3 2024[51] - Realized margin on funded mortgage loans decreased to 0.87% in Q4 2024 from 0.93% in Q3 2024[51] Regional Deposit Performance - Oklahoma deposits grew to $19.61 billion in December 2024, a 15.3% increase compared to $17.00 billion in December 2023[60] - Texas deposits reached $9.22 billion in December 2024, up 15.4% from $7.99 billion in December 2023[60] - Colorado deposits totaled $3.59 billion in December 2024, a 6.2% decrease from $3.82 billion in December 2023[60] - New Mexico deposits increased to $2.40 billion in December 2024, up 18.1% from $2.03 billion in December 2023[60] - Arizona deposits remained stable at $1.78 billion in December 2024, compared to $1.75 billion in December 2023[60] - Kansas/Missouri deposits grew to $1.50 billion in December 2024, a 12.5% increase from $1.33 billion in December 2023[61] - Arkansas deposits increased to $95.73 million in December 2024, up 9.6% from $87.30 million in December 2023[61] Operating Expenses and Personnel Costs - Operating expenses rose by $6.6 million to $347.7 million in Q4 2024, with personnel expenses increasing by $3.9 million due to higher trading activity[12][13] Yield and Funding Costs - The yield on average earning assets decreased by 30 basis points to 5.59% in Q4 2024, reflecting Federal Reserve rate cuts[6] - Funding costs decreased by 42 basis points to 3.69% in Q4 2024, with interest-bearing deposit costs down 31 basis points to 3.48%[7] - The yield on loans increased to 7.10% in December 2024, compared to 7.45% in December 2023[62] Net Unrealized Loss on Securities - Net unrealized loss on available for sale securities increased to $537.335 million in Q4 2024 from $307.360 million in Q3 2024[50] Commercial Banking Performance - Commercial Banking contributed $160.4 million to net income before taxes in Q4 2024, a decrease of $12.3 million compared to Q3 2024[39] - Average loans in Commercial Banking decreased $344 million, or 2%, to $20.0 billion in Q4 2024[39] - Average deposits in Commercial Banking grew $811 million, or 5%, to $17.9 billion in Q4 2024[39] - Commercial Banking net interest income declined 3.8% to $199.74 million in Q4 2024 compared to Q3 2024[65] Consumer Banking Performance - Consumer Banking contributed $23.6 million to net income before taxes in Q4 2024, a decrease of $1.2 million compared to the prior quarter[40] - Average loans in Consumer Banking increased $89 million, or 4%, to $2.1 billion in Q4 2024[40] - Average deposits in Consumer Banking increased $61 million, or 1%, to $8.2 billion in Q4 2024[40] - Consumer Banking net interest income increased slightly by 0.3% to $65.49 million in Q4 2024[65] Total Assets and Liabilities - Total assets as of December 31, 2024, were $50.615 billion, down from $51.157 billion in September 2024[47] - Total liabilities as of December 31, 2024, were $45.036 billion, down from $45.707 billion in September 2024[47] - Interest-bearing cash and cash equivalents increased to $546.955 million in Q4 2024, up from $531.811 million in Q3 2024[47] Other Operating Revenue - Total other operating revenue for Q4 2024 was $210.044 million, compared to $204.883 million in Q4 2023[48] Brokerage and Trading Revenue - Brokerage and trading revenue increased by $5.1 million to $55.5 million in Q4 2024, driven by higher trading volumes[8][9]

The upcoming report from BOK Financial (BOKF) is expected to reveal quarterly earnings of $1.97 per share, indicating an increase of 10.7% compared to the year-ago period. Analysts forecast revenues of $519.15 million, representing an increase of 3.5% year over year.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.Before a c ...

The market expects BOK Financial (BOKF) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on January 20, 2025, might help the stock move higher if these key number ...

Have you been paying attention to shares of BOK Financial (BOKF) ? Shares have been on the move with the stock up 13.6% over the past month. The stock hit a new 52-week high of $119.52 in the previous session. BOK Financial has gained 38.8% since the start of the year compared to the 24.1% move for the Zacks Finance sector and the 31.2% return for the Zacks Banks - Southwest industry.What's Driving the Outperformance?The stock has an impressive record of positive earnings surprises, as it hasn't missed our ...

Welcome back to another edition of upcoming dividend increases. With the election behind us, let's focus on what opportunities are coming from our dividend companies. This week, I have another seventeen companies, with streaks of annual increases, presenting their annualDerek is an individual investor seeking to navigate the investment world to provide a wealthy and stable retirement for his family. He aims to help fellow investors, notably younger investors, establish a plan to produce a growing income str ...

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.Considering these trends, value investing is clearly one of the most preferred ways to find strong stocks in any type of market. Value investors use fundamental analysis and traditional valuation metrics to find stocks that they believe are being un ...