BOK Financial Corporation

BOK Financial Corporation

BOKFยทNASDAQ

$125.39

-0.41%
Financial ServicesBanks - Regional

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through consumer branch network; and engages in the mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

At a Glance

Live Snapshot
Market Cap$7.62B
EPS9.1800
P/E Ratio13.66
Earnings Date07/20/2026
3Y-86.0%
5Y-278.0%
10Y-904.0%
3Y-67.0%
5Y-38.0%
10Y+432.0%
3Y-151.0%
5Y-64.0%
10Y+268.0%
BOKF

BOK Financial Corporation Cash Conversion Engine

BOKF ยท NASDAQ
Net Income577.99M
Depreciation & Amortization110.21M
Stock-Based Compensation22.70M
Change in Working Capital22.17M
Others6.55M
Capital Expenditures-164.39M
Free Cash Flow575.23M

Cash Flow Quality Analysis

FCF Conversion Rate

99.5%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

22.2%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

-54.3%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$22.17M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

BOK Financial Corporation Cash Flow Statement

BOKF โ€ข NASDAQ

BOK Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
578M
523.6M
531.1M
520.3M
616.3M
435.1M
500.7M
446.4M
335.7M
232.3M
292.3M
295.5M
318.9M
354.1M
289.8M
248.3M
204M
145.7M
217.7M
213M
110.2M
105.3M
109.9M
107.6M
102.5M
99M
95.4M
60.8M
54.5M
47M
37.9M
36.7M
53.3M
54.9M
50M
59M
87.8M
51.3M
43.5M
40.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-659K
0.0
0.0
0.0
0.0
0.0
22.7M
22.9M
16.4M
11.6M
9.8M
16.4M
15.5M
4.2M
23.6M
10.5M
12.1M
9.7M
7.1M
8M
9.4M
8.2M
5.9M
4.8M
8.5M
0.0
6.5M
-242.7M
168.8M
33.3M
-102.7M
181.5M
27.1M
115M
88.6M
88.9M
26.2M
-82.2M
52M
-80.5M
183.6M
151M
88.7M
165M
-3.1M
8.9M
(94.2M)
(100.5M)
(173.9M)
(79.5M)
(135.3M)
(136.2M)
(87.4M)
(92.3M)
(121.7M)
(79.9M)
(102M)
(67.2M)
(132.2M)
(158.7M)
(156.5M)
(133.6M)
(124.5M)
(0.0)
(0.0)
(0.0)
22.2M
1B
-760M
4.4B
-4.3B
-1.1B
-1.1B
-1.2B
-287.5M
-470.6M
-72.5M
-296.3M
305M
255.3M
-204.3M
-101.2M
-105.3M
-284.7M
-28.8M
-116.9M
739.6M
1.4B
66.2M
5.1B
-3.7B
-416.3M
-473.7M
-552M
214.9M
-91.9M
295M
-36.6M
736.3M
591.9M
327.8M
365.2M
281M
82.1M
237.8M
145.7M
INVESTING ACTIVITIES
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-31.3M
(0.0)
(0.0)
(48.3M)
(27.2M)
(0.0)
(0.0)
(32.6M)
(0.0)
(0.0)
(0.0)
(0.0)
-175.8M
(0.0)
(56M)
-18.1M
-21.9M
-7.5M
-23.6M
(0.0)
(0.0)
(0.0)
(0.0)
-47.5M
(135K)
(0.0)
-3.5B
-3B
-4.6B
-4.6B
-4.7B
-5.2B
-2.1B
-2.9B
-2.5B
-3.3B
-3.1B
-4.6B
-7.5B
-7.5B
-5.8B
-7.1B
-5.6B
-3B
-1.3B
0.0
3.2B
2.8B
2.7B
4.3B
3.1B
3.1B
2B
3.7B
2.7B
3.1B
4.1B
5.3B
6.3B
6.4B
5.5B
4.9B
4.7B
2.1B
1.4B
-1.5B
-224.4M
-1.7B
-2.7B
2.9B
-888.9M
-225M
-1.6B
-123.8M
-589.5M
-1.7B
-1.4B
-230.5M
-1.1B
-472.5M
339.2M
1.8B
-1B
-1.1B
-1.9B
-1.5B
-477.2M
-1.8B
-4.6B
(2.6B)
-2.5B
-2.3B
-1.8B
(739.6M)
-286M
-2B
-434M
(437M)
-2.4B
-1.6B
(42.7M)
-350.8M
-2B
-2B
-1.8B
FINANCING ACTIVITIES
-419.8M
-93.6M
-181.8M
-159.8M
-122.8M
-80.8M
-129.5M
-53.6M
-3M
-54.3M
-222.8M
-7.9M
16.6M
-5.9M
-11.9M
8.6M
5.2M
-249K
-3.6M
544K
130.7M
-4.5B
1.8B
4.6B
-1.4B
-5.1B
1.1B
1.3B
-10.9M
-688.4M
2.4B
511.8M
-111.9M
156.9M
-949.1M
-1.5B
-478.1M
294.8M
1.4B
649M
-147.5M
-143M
-143.4M
-143.8M
-144.1M
-144.4M
-143.5M
-127.2M
-116M
-113.5M
-115.3M
-111M
-104.7M
-167M
-76.4M
-66.6M
-64M
-59.2M
-50.4M
-36.8M
-413.2M
-93.6M
-181.8M
-159.8M
-122.8M
-80.8M
-129.5M
-53.6M
-3M
-54.3M
-222.8M
-7.9M
(0.0)
-20.6M
-26.4M
(0.0)
(0.0)
-8M
-17.4M
(0.0)
1.4B
3.9B
194.2M
-6.3B
4.4B
8.1B
2.1B
71.3M
-1B
1.1B
-214.6M
1.5B
-1.2B
2.1B
2B
1.5B
832.9M
1.5B
549.2M
1.1B
1B
-866.8M
1.7B
-2B
2.7B
2.8B
2.9B
1.2B
-1.2B
273.4M
1.9B
1.9B
-1.4B
2.1B
953.3M
-59.7M
296M
1.7B
1.9B
1.8B
CASH FLOW SUMMARY
223.4M
86.4M
-53.5M
-1.4B
1.7B
-78.2M
115.4M
-1.2B
-220.4M
-106.1M
167.8M
1.4B
-199M
299.9M
-283M
348.2M
226.3M
-195.5M
93.1M
98M
1.4B
1.3B
1.4B
2.8B
1.2B
1.3B
1.1B
2.3B
2.5B
2.6B
2.5B
1.1B
1.3B
986.4M
1.3B
921.2M
694.9M
890.4M
797.3M
699.3M
1.7B
1.4B
1.3B
1.4B
2.8B
1.2B
1.3B
1.1B
2.3B
2.5B
2.6B
2.5B
1.1B
1.3B
986.4M
1.3B
921.2M
694.9M
890.4M
797.3M
575.2M
1.3B
-99.7M
4.9B
-3.9B
-416.3M
-473.7M
-552M
214.9M
-91.9M
295.9M
-36.6M
736.3M
591.6M
327.8M
365.2M
281M
82.1M
286.1M
172.9M

SEC Filings

BOKF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 11, 2026
May 11, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 05, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 20, 2026
April 20, 2026
2026
8-K

8-K 2026

N/A

April 06, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2025

N/A

March 19, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 19, 2026
February 16, 2026
2026
10-K

10-K 2025 FY

FY

February 18, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 09, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

February 03, 2026
February 03, 2026
2026
Showing 1 to 10 of 432 filings