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Here's What Key Metrics Tell Us About BOK Financial (BOKF) Q3 Earnings

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BOK Financial (BOKF - Free Report) reported $557.93 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 1.8%. EPS of $2.64 for the same period compares to $2.22 a year ago.

The reported revenue represents a surprise of -1.91% over the Zacks Consensus Estimate of $568.79 million. With the consensus EPS estimate being $2.54, the EPS surprise was +3.94%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how BOK Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 63.5% versus the three-analyst average estimate of 64.4%.
  • Net Interest Margin: 3% compared to the 3% average estimate based on three analysts.
  • Net Charge-Offs (% of Average Loans): 0% versus the three-analyst average estimate of 0.1%.
  • Tier 1 Ratio: 12.7% compared to the 13.4% average estimate based on two analysts.
  • Total Non-Interest Income (Total other operating revenue): $191.47 million compared to the $203.8 million average estimate based on three analysts.
  • Net Interest Income (FTE): $372.68 million versus $367.73 million estimated by three analysts on average.
  • Net Interest Income: $369.98 million compared to the $364.99 million average estimate based on three analysts.
  • Brokerage and trading revenue: $19.45 million versus $32.35 million estimated by two analysts on average.
  • Transaction card revenue: $32.21 million versus $31.78 million estimated by two analysts on average.
  • Fiduciary and asset management revenue: $69.86 million versus $69.92 million estimated by two analysts on average.
  • Mortgage banking revenue: $16.74 million compared to the $19.41 million average estimate based on two analysts.
  • Deposit service charges and fees: $34.14 million versus $33.89 million estimated by two analysts on average.

View all Key Company Metrics for BOK Financial here>>>

Shares of BOK Financial have returned -6% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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