BOK Financial Corporation (BOKF) Surpasses Earnings and Revenue Estimates

Core Insights - BOK Financial Corporation (BOKF) reported strong financial performance with an EPS of $2.91, exceeding the estimated EPS of $2.16, indicating robust operational efficiency and strategic direction [2][6] - The company's revenue for Q4 2025 reached approximately $560.1 million, surpassing the estimated revenue of $549.4 million, driven by growth in loans and deposits [3][6] - BOKF's net interest margin expanded to 2.98%, supported by reduced funding costs and disciplined expense management, reflecting strong financial health [4][6] Financial Performance - 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 key markets [3] - Adjusted net income per share reached $2.48, surpassing the Zacks Consensus Estimate of $2.13, marking a 16.9% increase from the previous year [4] - The company has a P/E ratio of approximately 13.68 and a price-to-sales ratio of about 2.47, reflecting its market valuation [5] Operational Metrics - The enterprise value to sales ratio is around 3.56, while the enterprise value to operating cash flow ratio is approximately 7.80, indicating the company's ability to generate cash from operations [5] - The earnings yield stands at about 7.31%, and the debt-to-equity ratio is approximately 0.78, showcasing BOKF's financial health [5]