BOK Financial Corporation reported record earnings for the fourth quarter of 2025, posting net income of $177.3 million and earnings per share of $2.89—an increase of $0.76, or 35%, over the consensus estimate of $2.13. The quarterly profit eclipsed the $136 million net income reported for Q4 2024, underscoring a clear year‑over‑year acceleration in profitability.
For the full year 2025, BOK Financial delivered a record $578 million in net income, translating to $9.17 per share. This annual figure surpasses the $524 million net income and $8.14 per share reported for 2024, marking the highest earnings in the company’s history and confirming a sustained growth trajectory.
The earnings surge was driven by a $345.3 million net interest income, which lifted the net interest margin to 2.98% from 2.87% for the year. Fees and commissions rose to $214.9 million, reflecting robust fee‑generating activities. Loan growth accelerated 3.2% in Q4 2025, while deposits increased by $935 million to $39.4 billion, providing a solid balance‑sheet foundation for future earnings.
CEO Stacy Kymes highlighted the results as “a strong capstone to a year of outstanding performance and disciplined execution.” He noted that net interest income had grown every quarter in 2025 and that fee businesses continued to demonstrate the strength of the diversified business model, reinforcing confidence in the company’s risk‑adjusted returns.
Investors welcomed the results, citing record earnings, margin expansion, and solid loan and deposit growth as key drivers of the company’s continued financial strength. The release did not include forward guidance, but the performance metrics suggest a resilient operating model and a disciplined approach to risk management.
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