Filing Flows › BOK Financial (BOKF) › Q3 2026
BOK Financial (BOKF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 3, 2026
BOK Financial (BOKF) reported revenue of $561M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -5% from the quarter before. Operating margin was 35.8%, net earnings $160M (28.5% of revenue).
BOK Financial, Q3 2026: revenue $561M (+2% year over year), operating margin 35.8%, net earnings $160M, operating cash flow $280M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $561M | -5% | +2% |
| Operating profit | $201M | -12% | +14% |
| Net earnings | $160M | -9% | +13% |
| Operating cash flow | $280M | -75% | -68% |
| Free cash flow | $225M | -79% | -73% |
What changed
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.
Questions
What was BOK Financial's revenue in the third quarter 2026?
BOK Financial (BOKF) reported revenue of $561M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -5% from the quarter before.
Was BOK Financial profitable in the third quarter 2026?
Operating profit was $201M (35.8% of revenue) and net earnings $160M.
Source: BOK Financial 10-Q on SEC EDGAR.