BOK Financial Corporation Announces Fourth Quarter and Full-Year 2025 Earnings

Rhea-AI Summary

BOK Financial (NASDAQ:BOKF) reported operating results for the fourth quarter ended Dec 31, 2025 and released full-year 2025 earnings information on Jan 16, 2026. The company will host a conference call to review fourth-quarter and full-year 2025 results at 12:00 PM CT on Tuesday, Jan 20, 2026. Telephone access: 1.800.715.9871 (US toll free) or 1.646.307.1963, conference ID 6617678. A webcast replay and PDF of the earnings release will be available on the company investor relations site, and telephone replay can be accessed at 1.800.770.2030 with PIN 6617678. The webcast replay will remain available for 90 days.

News Market Reaction – BOKF

+1.22%

1 alert

+1.22% News Effect

On the day this news was published, BOKF gained 1.22%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Annual earnings: $578 million Annual EPS: $9.17 per share Q4 2025 earnings: $177 million +1 more

4 metrics

Annual earnings $578 million Year ended December 31, 2025

Annual EPS $9.17 per share Record EPS for full-year 2025

Q4 2025 earnings $177 million Fourth quarter ended December 31, 2025

Q4 2025 EPS $2.89 per share Record EPS for the fourth quarter 2025

Market Reality Check

Price: $125.69 Vol: Volume 277,855 is slightl...

normal vol

$125.69 Last Close

Volume Volume 277,855 is slightly below 20-day average 293,763 (relative volume 0.95). normal

Technical Price 127.69 is trading above 200-day MA 105.38 and within 1% of the 52-week high 128.75.

Peers on Argus

BOKF was up 2.08% pre-news, while peers were mixed: CADE +1.51%, FNB +1.51%, PB ...

BOKF was up 2.08% pre-news, while peers were mixed: CADE +1.51%, FNB +1.51%, PB +0.62%, PNFP +1.69%, and SNV -2.68%, suggesting stock-specific positioning rather than a broad sector move.

Historical Context

4 past events · Latest: Dec 12 (Neutral)

Pattern 4 events

Date	Event	Sentiment	Move	Catalyst
Dec 12	Earnings call notice	Neutral	+0.2%	Announced scheduling of Q4 and full-year 2025 earnings conference call.
Oct 20	Earnings release	Neutral	-3.1%	Reported Q3 2025 results and set conference call details.
Oct 01	Earnings call notice	Neutral	-0.1%	Announced date and access details for Q3 2025 earnings call.
Jul 21	Earnings release	Neutral	-0.9%	Released Q2 2025 earnings and scheduled accompanying conference call.

Pattern Detected

Recent earnings-related announcements have produced modest single-day moves, with no strong pattern of outsized reactions to quarterly results or conference call notices.

Recent Company History

Over the past six months, BOKF has regularly updated investors on quarterly earnings and related conference calls. Q2 and Q3 2025 earnings releases on Jul 21 and Oct 20 led to modest negative price reactions, while call-scheduling announcements on Oct 1 and Dec 12 saw very small moves. The current fourth-quarter and full-year 2025 earnings release, backed by an accompanying 8-K detailing record annual and quarterly EPS, continues this cadence of consistent financial communication.

Market Pulse Summary

This announcement details BOKF’s fourth-quarter and full-year 2025 results alongside an earnings cal...

Analysis

This announcement details BOKF’s fourth-quarter and full-year 2025 results alongside an earnings call and webcast, supported by an 8-K showing record annual earnings of $578 million and record EPS. Investors may contextualize these figures against the stock’s position near its 52-week high and above its 200-day MA, as well as recent insider Form 4 activity. Upcoming metrics to monitor include future quarterly EPS trends and any changes in capital or compensation structures disclosed in later filings.

Key Terms

8-K, form 4, phantom stock, restricted stock units, +2 more

6 terms

8-K regulatory

"filed a report describing the release of its latest earnings information"

An 8-K is a public report companies must file with the U.S. Securities and Exchange Commission to disclose major events or changes that shareholders should know about, such as leadership changes, mergers, financial surprises, or legal developments. It matters to investors because it acts like a breaking-news alert for a company’s health and prospects—providing timely facts that can affect stock value and investment decisions.

form 4 regulatory

"reported a Form 4 transaction involving the company’s common stock"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

phantom stock financial

"shares of phantom stock (restricted stock units) that were issued"

A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.

restricted stock units financial

"phantom stock (restricted stock units) that were issued on February 28, 2023"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

derivative security financial

"shares of phantom stock were credited as a derivative security"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

dividend reinvestment plan financial

"includes 150.8854 phantom shares acquired through a dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

AI-generated analysis. Not financial advice.

TULSA, OK / ACCESS Newswire / January 16, 2026 / BOK Financial Corporation (NASDAQ:BOKF) today reported operating results for the fourth quarter ended December 31, 2025. The fourth quarter and full-year 2025 earnings release can be viewed here: https://investor.bokf.com/Q4-2025-Earnings-Full-Release-PDF

BOK Financial Corporation will host a conference call to review fourth quarter and full-year 2025 financial results at noon central time on Tuesday, January 20, 2026. To access the event by telephone, please dial 1.800.715.9871 toll free, or 1.646.307.1963, conference ID: 6617678.

For those unable to join the live presentation, a webcast replay will be available shortly after the live call's conclusion on the company's investor relations website or by dialing 1.800.770.2030 and referencing replay PIN 6617678. A replay of the webcast will also be available for 90 days on the company's investor relations website: https://investor.bokf.com/corporate-profile/default.aspx.

About BOK Financial Corporation

BOK Financial Corporation is a $52 billion regional financial services company headquartered in Tulsa, Oklahoma with $127 billion in assets under management and administration. The company's stock is publicly traded on NASDAQ under the Global Select market listings (BOKF). BOK Financial Corporation's holdings include BOKF, NA; BOK Financial Securities, Inc.; and BOK Financial Private Wealth, Inc. BOKF, NA's holdings include TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions across eight states as: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas; and BOK Financial in Arizona, Arkansas, Colorado, Kansas and Missouri; as well as having limited purpose offices in Connecticut, Nebraska, Tennessee and Wisconsin. Through its subsidiaries, BOK Financial Corporation provides commercial and consumer banking, brokerage trading, investment, trust and insurance services, mortgage origination and servicing, and an electronic funds transfer network. For more information, visit www.bokf.com.

Contact:

Heather King
Director of Investor Relations
214.676.4666

SOURCE: BOK Financial

View the original press release on ACCESS Newswire

FAQ

When will BOK Financial (BOKF) discuss Q4 and full-year 2025 results?

The company will host a conference call at 12:00 PM CT on Tuesday, Jan 20, 2026 to review Q4 and full-year 2025 results.

How can investors join the BOKF Jan 20, 2026 earnings call by phone?

Dial 1.800.715.9871 (toll free) or 1.646.307.1963 and use conference ID 6617678.

Where can I find BOK Financial's Q4 2025 earnings release and replay?

The earnings release PDF and webcast replay will be posted on BOK Financial's investor relations website and the replay will be available for 90 days.

How do I access the telephone replay of the BOKF earnings call?

Call 1.800.770.2030 and reference replay PIN 6617678 to access the telephone replay.

What is the reporting date for BOK Financial's fourth-quarter 2025 operating results?

BOK Financial reported fourth-quarter 2025 operating results on Jan 16, 2026 for the period ended Dec 31, 2025.