BOKF FY 2025 Earnings Report — BOK Financial Corporation Revenue & Financial Results | Market Cap Arena

BOK Financial CorporationBOKF

FY 2025 Earnings

Reported February 18, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$3.3B	—	$3.4B	—	-1.1%
Op. Income	$711M	—	$667M	—	6.7%
Gross Margin	63.7%	—	57.1%	—	6.7pp
Net Margin	17.4%	—	15.6%	—	1.8pp
EPS (Diluted)	$9.18	—	$8.14	—	12.8%
Free Cash Flow	$575M	—	$1.3B	—	-54.3%

Revenue Flow

Item	Amount
REVENUE	$3.3B
Cost of Revenue	$1.2B
GROSS PROFIT	$2.1B
R&D Expenses	$0
Selling & Marketing	$28M
General & Administrative	$897M
SG&A Expenses	$925M
Other Expenses	$484M
Operating Expenses	$1.4B
Cost & Expenses	$2.6B
OPERATING INCOME	$711M
Interest Income	$2.5B
Interest Expense	$1.2B
Other Income/Expenses	$0
INCOME BEFORE TAX	$711M
Income Tax Expense	$133M
Net Income from Continuing Ops	$578M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$578M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$574M
D&A	$83M
EBIT	$711M
EBITDA	$794M
EPS	$9
EPS Diluted	$9

Income Statement

Item	Amount
REVENUE	$3.3B
Cost of Revenue	$1.2B
GROSS PROFIT	$2.1B
R&D Expenses	$0
Selling & Marketing	$28M
General & Administrative	$897M
SG&A Expenses	$925M
Other Expenses	$484M
Operating Expenses	$1.4B
Cost & Expenses	$2.6B
OPERATING INCOME	$711M
Interest Income	$2.5B
Interest Expense	$1.2B
Other Income/Expenses	$0
INCOME BEFORE TAX	$711M
Income Tax Expense	$133M
Net Income from Continuing Ops	$578M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$578M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$574M
D&A	$83M
EBIT	$711M
EBITDA	$794M
EPS	$9
EPS Diluted	$9

Cash Flow Statement

Item	Amount
Net Income	$578M
Depreciation & Amortization	$110M
Stock-Based Compensation	$23M
Deferred Income Tax	$0
Other Non-Cash Items	$7M
Change in Working Capital	$22M
OPERATING CASH FLOW	$740M
Capital Expenditure	-$164M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$1.5B
NET CASH FROM INVESTING	-$1.5B
Net Debt Issuance	$131M
Common Stock Repurchased	-$413M
Common Dividends Paid	-$148M
Other Financing Activities	$1.4B
NET CASH FROM FINANCING	$1.0B
FREE CASH FLOW	$575M
Net Change in Cash	$223M

Balance Sheet

Item	Amount
Cash & Equivalents	$1.7B
Short-Term Investments	$5.4B
Net Receivables	$355M
Inventory	$0
Other Current Assets	$95M
TOTAL CURRENT ASSETS	$7.5B
PP&E (Net)	$639M
Goodwill	$1.0B
Intangible Assets	$35M
Long-Term Investments	$15.7B
Tax Assets	$0
Other Non-Current Assets	$27.3B
TOTAL NON-CURRENT ASSETS	$44.7B
TOTAL ASSETS	$52.2B
Account Payables	$383M
Short-Term Debt	$4.2B
Deferred Revenue	$0
Other Current Liabilities	$39.1B
TOTAL CURRENT LIABILITIES	$45.0B
Long-Term Debt	$397M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$874M
TOTAL NON-CURRENT LIABILITIES	$1.3B
TOTAL LIABILITIES	$46.3B
Common Stock	$5.0K
Additional Paid-In Capital	$1.4B
Retained Earnings	$6.0B
Treasury Stock	-$1.4B
Accum. Other Comp. Income	-$166M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$5.9B
Minority Interest	$2M
TOTAL EQUITY	$5.9B
TOTAL LIABILITIES & EQUITY	$52.2B
Total Debt	$4.6B
Net Debt	$3.0B