Filing Flows › BOK Financial (BOKF) › Q3 2026 › vs Q3 2025
BOK Financial (BOKF) Q3 2026 vs Q3 2025 (year over year)
BOK Financial's revenue rose $13.1M (+2%) from $548M in Q3 2025 to $561M in Q3 2026. The biggest changes: Net interest income +$32.3M (+10%); Noninterest income −$19.2M (-9%). Operating margin 35.8% against 32.2% (+3.6 pts).
BOK Financial, Q3 2026: revenue $561M (+2% year over year), operating margin 35.8%, net earnings $160M, operating cash flow $280M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.8% | 32.2% | +3.6 pts |
| Net margin | 28.5% | 25.7% | +2.8 pts |
| Free cash flow margin | 40.1% | 152.9% | -112.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $370M | $338M | $32.3M | +10% |
| Noninterest income | $191M | $211M | −$19.2M | -9% |
| Revenue | $561M | $548M | $13.1M | +2% |
| Operating profit | $201M | $177M | $24.2M | +14% |
| Costs & expenses | $361M | $372M | −$11.1M | -3% |
| Pre-tax earnings | $201M | $177M | $24.2M | +14% |
| Net earnings | $160M | $141M | $19.0M | +13% |
| Income tax | $40.9M | $35.7M | $5.2M | +15% |
| Depreciation & amortization | $27.9M | $28.1M | −$122K | -0.4% |
| Share-based compensation | $5.7M | $5.8M | −$98K | -2% |
| Working capital & other | $86.5M | $693M | −$607M | -88% |
| Operating cash flow | $280M | $868M | −$588M | -68% |
| Free cash flow (OCF − capex) | $225M | $839M | −$613M | -73% |
| Capital expenditures | $54.7M | $29.3M | $25.4M | +86% |
Questions
How much did BOK Financial's revenue grow year over year in Q3 2026?
BOK Financial's revenue rose $13.1M (+2%) from $548M in Q3 2025 to $561M in Q3 2026.
What drove BOK Financial's revenue change in Q3 2026?
Net interest income +$32.3M (+10%); Noninterest income −$19.2M (-9%).