BOKFMEDIUM SIGNALFINANCIAL10-K

BOKF's operating cash flow declined substantially while net income grew modestly, indicating potential working capital pressures or timing issues.

The disconnect between declining operating cash flow and improving net income suggests earnings quality concerns that warrant investor attention. This divergence could indicate changes in working capital management, timing of collections, or non-cash income recognition that may not be sustainable.

Comparing 2026-02-18 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

BOKF reported mixed financial performance with net income growing modestly to $578 million, reflecting improved profitability. However, operating cash flow declined substantially to $740 million, creating a notable disconnect between earnings and cash generation. This divergence between reported profits and cash flows signals potential working capital pressures or timing issues that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-48.3%
$1.4B→$739.6M

Operating cash flow fell 48.3% — earnings quality concerns; investigate working capital changes and non-cash items.

Net Income
P&L
+10.4%
$523.6M→$578.0M

Net income grew 10.4% — bottom-line growth signals improving overall business health.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-19
ADDED
As of January 31, 2026, there were 60,696,695 shares of Common Stock outstanding.
At December 31, 2025, the Company reported total consolidated assets of $52 billion.
We serve Benton and Washington counties in Arkansas with a market share of less than 1%.
At December 31, 2025, we had 5,034 full-time and part-time employees, the majority of which are full-time employees.
Both the scope of the laws and regulations and the intensity of the supervision to which our business is subject increased primarily as a result of the Dodd-Frank Act and its implementing regulations, most of which are now in place.
+7 more — sign up free →
REMOVED
As of January 31, 2025, there were 64,226,062 shares of Common Stock outstanding.
Term Definition AFS Available For Sale AI Artificial Intelligence AOCI Accumulated Other Comprehensive Income ASU Accounting Standards Update ATM Automated Teller Machine BCBS Basel Committee on Banking Supervision BHCA Bank Holding Company Act of 1956 Board Board of Directors of BOK Financial Corporation BOK Financial BOK Financial Corporation BOKF BOK Financial Corporation BOKFI BOK Financial Insurance, Inc.
At December 31, 2024, the Company reported total consolidated assets of $50 billion.
We serve Benton and Washington counties in Arkansas with a market share of approximately 1%.
At BOK Financial, we are committed to creating an inclusive workplace that offers growth and development opportunities for our employees.
+7 more — sign up free →
MORE FINANCIAL SIGNALS
CRMHIGHSalesforce significantly increased debt by 71% to $14.4B while simultaneously ac...
2026-03-02
UNHHIGHUNH's operating income plummeted 41% despite 12% revenue growth, indicating seve...
2026-03-02
PFEHIGHPfizer achieved a dramatic 87.3% reduction in total debt from $31.4B to $4.0B, r...
2026-02-26
GILDHIGHGILD dramatically increased R&D spending by 81.5% to $9.1B while introducing new...
2026-02-24
ANALYZE ANY FILING FREE

See what changed in your portfolio's filings

500+ US-listed companies analyzed. Language delta, financial analysis, instant signal scoring.

Try Tracenotes free →