BOK Financial (NASDAQ: BOKF) reports record $578M annual earnings

Rhea-AI Filing Summary

BOK Financial Corporation filed a report describing the release of its latest earnings information for the three months and year ended December 31, 2025. The company issued a press release reporting annual earnings of $578 million, or a record $9.17 per share, and fourth-quarter earnings of $177 million, or a record $2.89 per share. The press release and detailed financial schedules are provided as exhibits, along with an earnings conference call presentation dated January 20, 2026. This filing mainly makes those materials publicly available to give investors more detail on the company’s recent financial performance.

Insights

Banking sector earnings analyst

BOK Financial reports record annual and Q4 earnings for 2025.

BOK Financial Corporation is highlighting strong profitability for the year ended December 31, 2025. The company reports annual earnings of $578 million, or a record $9.17 per share, and fourth-quarter earnings of $177 million, or a record $2.89 per share. These figures come through a press release and supporting financial information furnished with the report.

The use of the term “record” for both full-year and quarterly earnings suggests earnings reached their highest level to date, based on the company’s characterization. The report itself does not provide comparisons to prior periods or expectations, so the context is limited to the absolute profit and per-share numbers. The financial schedules and conference call materials attached as exhibits are intended to give additional detail on the drivers behind these results.

Investors reviewing this information can focus on how the recorded earnings levels for the year and fourth quarter relate to BOK Financial’s long-term performance once they examine the attached exhibits and any related discussions in the January 20, 2026 earnings call presentation.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):

January 16, 2026

Commission File No. 001-37811

BOK FINANCIAL CORP

(Exact name of registrant as specified in its charter)

Oklahoma									73-1373454
(State or other jurisdiction of Incorporation or Organization)									(IRS Employer Identification No.)
Bank of Oklahoma Tower
Boston Avenue at Second Street
Tulsa,			Oklahoma						74192
(Address of Principal Executive Offices)									(Zip Code)

 (918) 588-6000

(Registrant’s telephone number, including area code)

N/A

__________________________________________

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425).

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol

Name of each exchange on which registered

Common Stock, par value $0.00006 per share

BOKF

Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02. Results of Operations and Financial Condition.

On January 16, 2026, BOK Financial Corporation (“BOK Financial”) issued a press release announcing its financial results for the three months and year ended December 31, 2025 (“Press Release”). The full text of the Press Release is attached as Exhibit 99.1(a) to this report and is incorporated herein by reference. On January 16, 2026, in connection with the issuance of the Press Release, BOK Financial released financial information related to the three months and year ended December 31, 2025 (“Financial Information”), which includes certain historical financial information relating to BOK Financial. The Financial Information is attached as Exhibit 99.1(b) to this report and is incorporated herein by reference.

ITEM 7.01. Regulation FD Disclosure.

On January 16, 2026, in connection with the issuance of the Press Release, BOK Financial released financial information related to the three months and year ended December 31, 2025 (“Financial Information”), which includes certain historical financial information relating to BOK Financial. The Financial Information is attached as Exhibit 99.2(a) to this report and is incorporated herein by reference.

ITEM 9.01. Financial Statements and Exhibits.

(d)    Exhibits

99.1    Text of Press Release, dated January 16, 2026, titled "BOK Financial Corporation reports annual earnings of $578 million, or a record $9.17 per share, and quarterly earnings of $177 million, or a record $2.89 per share, in the fourth quarter" and Financial Information for the Three Months and Year Ended December 31, 2025.

99.2    Earnings conference call presentation, dated January 20, 2026, titled “Q4 Earnings Conference Call" for the Three Months and Year Ended December 31, 2025.

104    Cover Page Interactive Data File (embedded within the Inline XBRL document).

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

                        BOK FINANCIAL CORPORATION

                        By: /s/ Martin E. Grunst            

                         Martin E. Grunst

                         Executive Vice President

                         Chief Financial Officer

Date: January 16, 2026

FAQ

What did BOK Financial (BOKF) report for full-year 2025 earnings?

BOK Financial reported annual earnings of $578 million, which the company described as a record, equal to $9.17 per share for the year ended December 31, 2025.

What were BOK Financial (BOKF)'s earnings for the fourth quarter of 2025?

For the fourth quarter of 2025, BOK Financial reported earnings of $177 million, or a record $2.89 per share, according to the press release attached to the report.

What is the purpose of BOK Financial’s latest 8-K filing?

The report furnishes a press release and detailed financial information for the three months and year ended December 31, 2025, and makes available an earnings conference call presentation covering the same period.

Which exhibits accompany BOK Financial (BOKF)'s 8-K on 2025 earnings?

The filing includes: Exhibit 99.1, the press release and financial information for Q4 and full-year 2025, Exhibit 99.2, an earnings conference call presentation dated January 20, 2026, and Exhibit 104, the cover page interactive data file.

What time period do the financial results in BOK Financial’s press release cover?

The financial results and information included in the press release and exhibits cover the three months and year ended December 31, 2025.

When is BOK Financial’s earnings conference call presentation dated?

The earnings conference call presentation attached as an exhibit is dated January 20, 2026 and relates to the three months and year ended December 31, 2025.