Shares of BOK Financial Corporation (NASDAQ: BOKF) closed higher on Tuesday following the release of fourth-quarter 2025 financial results that exceeded analyst consensus estimates for both revenue and earnings.
BOK Financial shares ended the day at $128.55, representing an intraday increase of 1.01%. The stock is currently trading near the upper end of its 52-week range, which spans from a low of $85.08 to a high of $131.52.
Market Capitalization
At the latest close, BOK Financial’s market capitalization was roughly $8.1 billion.
Latest Quarterly Results
For the quarter ended 31 December 2025, BOK Financial reported consolidated operating results that included the following:
- Net income attributable to shareholders: $177.3 million, compared with $136.1 million in Q4 2024, representing a 30.2% year-over-year increase on a reported basis.
- Earnings per diluted share: $2.89 for Q4 2025, up from $2.22 in the year-ago period.
- Net revenues: $589.6 million, up about 12.7% from Q4 2024.
- Net interest income: $345.3 million, up about 10.3% year-over-year.
- Net interest margin: 2.98%, compared with 2.91% in the prior quarter (sequential comparison).
- Fees and commissions revenue: $214.9 million, up year-over-year.
- Operating expenses: $361.1 million, roughly flat after adjusting for non-core items.
BOK Financial’s reported quarterly results exclude a gain related to the sale of a merchant banking investment and an FDIC special assessment benefit, which the company noted in its filing.
Full-Year Results Context
For the full fiscal year 2025, BOK Financial reported:
- Net income: $578.0 million, compared with $523.6 million in 2024, indicating year-over-year growth.
- Revenue: Approximately $2.17 billion, up about 7% year-over-year.
- Net interest income: About $1.3 billion, above the prior year and with an expanded net interest margin for the year.
- Fees and commissions: In line with or slightly higher than the prior year.
Business & Operations Update
BOK Financial’s filings showed:
- Growth in loan balances, with period-end loans increasing year-over-year to over $25.7 billion.
- Deposits rose to approximately $39.4 billion at Q4.
- Credit quality metrics remained stable, with non-performing assets representing around 0.29% of outstanding loans.
- The bank repurchased 2,617,414 shares of common stock during the quarter.
The company did not disclose any regulatory changes, capacity additions, restructuring initiatives, or major product launches in its earnings release.
M&A or Strategic Moves
There were no announced mergers, acquisitions, or strategic transactions disclosed in BOK Financial’s Q4 and full-year 2025 results.
Equity Analyst Commentary
Analyst activity around the earnings release included reports noting BOKF’s earnings per share beat relative to consensus estimates, with adjusted core EPS exceeding forecasts. One reported note reiterated a Buy rating with a price target near $125, though consensus ratings remained mixed with an average Hold stance.
No other major contemporaneous upgrades or downgrades were reported in direct reaction to the earnings release.
Guidance & Outlook
The company’s releases around the Q4 earnings did not include formal forward guidance figures. Investors and market participants are expected to monitor loan growth, net interest margin trends, and credit quality metrics in the banking sector, especially given macroeconomic pressures on interest rates and funding costs for financial institutions.
Performance Summary
BOK Financial’s stock climbed following its Q4 2025 earnings report.
Quarterly revenue and profit rose year-over-year.
Annual results showed growth in both net income and revenue.
Loan and deposit balances increased, and credit metrics remained stable.
Analyst commentary reflected mixed but broadly neutral ratings.