BOK Financial Earnings Call Transcripts
Fiscal Year 2026
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Q2 2026 saw record loan and asset management growth, strong credit quality, and robust capital levels. Full-year loan growth is now expected to exceed 10%, with revenue and margin guidance raised to the upper end of prior ranges. Fee income and trading were impacted by market conditions.
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The meeting covered director elections, auditor ratification, and executive compensation approval, with all proposals passing. Shareholders had opportunities for real-time voting and Q&A, but no questions were submitted.
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Q1 2026 delivered strong core results with $155.8M net income, broad-based loan growth, and robust credit quality. Guidance calls for near 10% loan growth and stable efficiency, with a potential $29M gain from Visa share monetization not yet included in outlook.
Fiscal Year 2025
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Record earnings and EPS were achieved in Q4 and FY25, driven by broad-based loan and fee income growth, strong credit quality, and robust capital levels. 2026 guidance anticipates upper single-digit loan growth, mid-single-digit revenue growth, and continued efficiency improvements.
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Q3 2025 saw strong earnings, broad-based loan growth, and record fee income, with robust credit quality and capital levels. Guidance calls for 5%–7% loan growth and mid-single-digit revenue growth for the year, supported by expanding mortgage finance and stable core businesses.
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Q2 2025 saw strong loan and fee income growth, margin expansion, and robust credit quality, with new mortgage finance initiatives and capital actions supporting future momentum. Guidance remains confident for loan growth and stable credit trends.
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Q1 2025 saw strong net interest income and capital ratios, with fee income pressured by market volatility and lower trading revenue. Credit quality remains excellent, loan pipelines are robust, and a new mortgage finance business is set to launch later in the year.
Fiscal Year 2024
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Q4 and full-year results showed strong earnings, robust credit quality, and above-peer loan growth, with a 27% total shareholder return. 2025 guidance calls for mid to upper single-digit revenue growth, continued margin expansion, and stable credit metrics.
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Q3 2024 saw net income of $140M and EPS of $2.18, with net interest margin and fee income both rising. Credit quality remained strong, deposit growth was robust, and assets under management surpassed $110B. Margin expansion and loan growth are expected to continue.
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Q2 2024 saw strong earnings, robust loan and deposit growth, and peer-leading fee income. Credit quality remains exceptional, capital and liquidity are strong, and guidance anticipates continued NII growth, stable expenses, and further C&I loan expansion, with CRE paydowns expected to slow.