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BOK Financial (BOKF) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · BOK Financial (BOKF) Q3 2026 earnings results →

Q3 2026 Revenue up 2% year over year to $561M · 28¢ of every $1 of revenue kept as net profit · operating margin 35.8%

BOK Financial made $561M in Q3 2026 (+2% Y/Y): Net interest income $370M, Noninterest income $191M. Operating margin 35.8%, net earnings $160M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.

Revenue$561M
Year over year+2%
Operating margin35.8%
Net earnings$160M
Operating cash flow$280M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $561.4M in Q3 2026, up 2% year over year and down 5% from the previous quarter. Net interest income was the largest line at 66% of revenue. Net interest income added $32.3M year over year (up 10%), 247% of the total change. Noninterest income declined 9%.

Operating profit was $200.8M, a 35.8% margin (up 3.6 points year over year). Of the extra revenue versus a year earlier, 185% reached operating profit, above the 32% margin then. Total costs fell 3% while revenue rose 2%. Net earnings were $159.9M, up 13% year over year. The effective tax rate was 20.4%.

Operating cash flow was $280.0M (down 68% year over year), 175% of net earnings. Non-cash charges added back $27.9M of depreciation and amortization and $5.7M of share-based compensation. Working capital and other items added $86.5M. Capital expenditures of $54.7M left free cash flow of $225.3M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 3, 2026$561M+2%35.8%$160M$280M

Charts

BOK Financial: where the cash came from (+) and went (−), TTM to Q3 2026BOK Financial: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$3.5BOther financing$1.6BNet borrowing (+) / repaid (−)$1.4BOperating cash flow$916MBuybacks−$317MCapital spending−$196MCash drawn (+) / kept (−)$161MDividends−$153MAsset & business sales$120MTaxes on employees’ shares−$12.1M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
BOK Financial: profit against cash, quarter by quarterBOK Financial: profit against cash, quarter by quarterNet incomeOperating cash flow$136M$541MQ4 2024$120M$20.3MQ1 2025$140M$89.4MQ2 2025$141M$868MQ3 2025$177M−$238MQ4 2025$156M−$249MQ1 2026$177M$1.1BQ2 2026$160M$280MQ3 2026
Latest (Q3 2026): Net income $160M, Operating cash flow $280M.
BOK Financial: diluted shares by fiscal yearBOK Financial: diluted shares by fiscal year70MFY202069MFY202167MFY202266MFY202364MFY202463MFY2025
-10.3% since FY2020: buybacks shrank the count.
BOK Financial: long-term debt falling due (FY2025)BOK Financial: long-term debt falling due (FY2025)$4.2B2026$2.2M2027$200K2028$401MLater
Cash $1.7B, short-term investments —, long-term debt $4.6B at 2025-12-31.
BOK Financial in its industry: growth against margin (68 companies, SIC 6021)BOK Financial in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHBOKF (+2%, 36%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About BOK Financial

Developments relating to individual aspects of the business of BOK Financial are described below. Additional discussion of the Company’s activities during the current year appears within Item 7 "Management’s Discussion and Analysis of Financial Condition and Results of Operations." BOK Financial is a financial holding company incorporated in the state of Oklahoma in 1990 whose activities are governed by the BHCA, as amended by the Financial Services Modernization Act or Gramm-Leach-Bliley Act and the Dodd-Frank Act. BOK Financial offers full service banking in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. At December 31, 2025, the Company reported total consolidated assets of $52 billion.

In its own words, from its 10-K, filed Feb 18, 2026.

BOK Financial against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +6%. Operating margin: 35.8% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
BOKF BOK FinancialQ3 2026$561M+2%35.8%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: BOK Financial 10-Q on SEC EDGAR · CIK 875357 · National Commercial Banks

13F: who owns BOKF and who is buying

Largest holders of BOKF (13F)Largest holders of BOKF (13F)George Kaiser Family Foundation$467MDimensional Fund Advisors LP$379MVanguard Group$272MAriel Investments, LLC$226MFMR LLC$188MBlackRock$157MVanguard Portfolio Management LLC$137MCibc World Markets$131MState Street$131MVanguard Capital Management LLC$120M
Funds' net buying of BOKF by quarter (13F)Funds' net buying of BOKF by quarter (13F)−$45.6M2024-09−$31.4M2024-12$48.4M2025-03−$26.8M2025-06$3.4M2025-09$64.9M2025-12−$113M2026-03−$39.2M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on BOKF

History

Every quarter: Q3 2026 results

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中文版：BOK Financial（BOKF）财报

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