BOK Financial Posts Record Quarterly and Full-Year Earnings

Bok Financial ( (BOKF) ) has provided an announcement.

For the fourth quarter ended December 31, 2025, BOK Financial Corporation reported record quarterly earnings of $177.3 million, or $2.89 per diluted share, and record full-year 2025 earnings of $578.0 million, or $9.17 per diluted share, driven by higher net interest income and solid fee and commission revenues. Net interest income rose to $345.3 million in the quarter, with net interest margin improving to 2.98%, while fees and commissions climbed to $214.9 million on stronger trading, fiduciary and asset management, and transaction card revenue. Loans grew by $786 million during the quarter to $25.7 billion, primarily in commercial portfolios, and deposits increased by $935 million to $39.4 billion, leaving the loan-to-deposit ratio unchanged at 65%. Credit quality remained strong, with nonperforming assets steady at $75 million, or 0.29% of loans and repossessed assets, and annualized quarterly net charge-offs at 0.02% of average loans. For 2025 as a whole, net interest income increased by $116.6 million to $1.3 billion and net interest margin improved to 2.87%, while operating expenses rose to $1.4 billion but net charge-offs declined to 0.03% of average loans, underscoring the benefits of BOK Financial’s diversified business model and disciplined risk approach. Capital ratios remained robust despite a sizable share repurchase program in the fourth quarter, signaling management’s confidence in the bank’s earnings power and growth prospects.

The most recent analyst rating on (BOKF) stock is a Hold with a $124.00 price target. To see the full list of analyst forecasts on Bok Financial stock, see the BOKF Stock Forecast page.

Spark’s Take on BOKF Stock

According to Spark, TipRanks’ AI Analyst, BOKF is a Outperform.

Bok Financial’s overall stock score reflects its solid financial performance, positive technical indicators, and strategic corporate events. The company’s strong profitability, cash flow generation, and strategic focus on diverse revenue streams are significant strengths. While the valuation is reasonable, the recent revenue decline and approaching overbought technical indicators warrant cautious optimism.

To see Spark’s full report on BOKF stock, click here.

More about Bok Financial

BOK Financial Corporation is a U.S. regional financial services company operating in commercial and consumer banking and related fee-based businesses, including fiduciary and asset management as well as transaction card services. The bank focuses on diversified revenue streams across net interest income and noninterest fee income, with a significant presence in commercial and industrial lending and specialty finance lines, supported by a long-standing emphasis on disciplined risk management and strong capital levels.

Average Trading Volume: 307,413

Technical Sentiment Signal: Buy

Current Market Cap: $7.91B

See more insights into BOKF stock on TipRanks’ Stock Analysis page.