BOK Financial Q3 EPS $2.64; NIM Expands to 3.00%, Loans Up 11.5% YoY
BOKF sits 20% above its 52-week low of $102.72.
Summary
BOK Financial earned $2.64 per share in Q3 2026 on $370 million of net interest income, with the margin widening to 3.00% and loans up 11.5% year-over-year. A larger unrealized loss on the securities portfolio cut tangible common equity to 9.16%.
Key Events · Earnings and Guidance · BOKF
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Q3 EPS $2.64 on $159.9M Net Income
Net income of $159.9 million, or $2.64 per diluted share, versus $176.5 million, or $2.92, in Q2 2026; the prior quarter included a $30.9 million pre-tax Visa share-exchange gain.
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Net Interest Income Up $18.1M, Margin 3.00%
Net interest income rose to $370.0 million and net interest margin expanded 9 basis points to 3.00%, with core margin excluding trading up 8 basis points to 3.21%.
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Loans Grew $646M, Up 11.5% YoY
Period-end loans reached $27.7 billion, led by energy (+$264 million) and mortgage finance (+$137 million); credit remained clean with net charge-offs of $886 thousand, or 0.01% of average loans annualized.
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Securities Loss Widened to $650M
The available-for-sale portfolio's net unrealized loss grew to $650 million from $256 million, cutting the tangible common equity ratio to 9.16% from 9.61%; CET1 was 12.73%.
Analysis · BOKF · Finance
The sequential earnings dip reflects a one-time Visa share-exchange gain in Q2, but the core franchise improved: net interest income rose $18.1 million and the margin expanded 9 basis points to 3.00% on loan growth and fixed-rate asset repricing. Offsetting that, the unrealized loss on the available-for-sale securities portfolio jumped $394 million to $650 million, pulling tangible common equity down to 9.16% from 9.61% — still a strong capital level, but the direction matters for a bank holding long-duration bonds in a rising-rate environment. Management also refreshed full-year guidance to $1.43-$1.44 billion of net interest income and an efficiency ratio near 62%.
How filings like this one have moved
In the 30 days to Oct 19, 2026, 29.4% of the 1386 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.50%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, BOKF was trading at $122.86 on NASDAQ in the Finance sector, with a market capitalization of approximately $7.5B. The 52-week trading range was $102.72 to $146.84. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.