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BOK Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$225M in Q3 2026 · $720M over twelve months

Operating cash flow$280M
Capital spending−$54.7M
Free cash flow+$225M
Cash / net income1.8×

Analysis

In Q3 2026, BOK Financial generated $280M of operating cash flow and spent $54.7M on capital projects, leaving free cash flow of $225M. That is $613M less than in Q3 2025 ($839M).

Over the twelve months to Sep 30, 2026, operating cash flow was $916M; the largest uses were other investing ($3.5B), buybacks ($317M), capital spending ($196M); besides operations, cash came from other financing ($1.6B), net borrowing (+) / repaid (−) ($1.4B); the cash balance fell by $161M.

Operating cash flow was $280M against net income of $160M — 1.8× profit, cash ran ahead of reported earnings. The largest differences: receivables −$720M, other liabilities +$55.3M, depreciation & amortization +$27.9M.

Free cash flow

BOK Financial: free cash flow by quarterBOK Financial: free cash flow by quarter$494MQ4 2024−$28.0MQ1 2025$60.8MQ2 2025$839MQ3 2025−$296MQ4 2025−$284MQ1 2026$1.1BQ2 2026$225MQ3 2026
Operating cash flow less capital spending.
BOK Financial: operating cash flow against capital spendingBOK Financial: operating cash flow against capital spendingOperating cash flowCapital spending$541M$47.1MQ4 2024$20.3M$48.2MQ1 2025$89.4M$28.6MQ2 2025$868M$29.3MQ3 2025−$238M$58.3MQ4 2025−$249M$35.7MQ1 2026$1.1B$47.2MQ2 2026$280M$54.7MQ3 2026
Latest (Q3 2026): Operating cash flow $280M, Capital spending $54.7M.

Capital allocation, year by year

BOK Financial: where the cash came from (up) and went (down), by fiscal yearBOK Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow −$3.7BFY2021: Net borrowing −$1.3BFY2021: Shares issued −$4.9MFY2021: Asset sales $165MFY2021: Capital spending −$204MFY2021: Buybacks −$118MFY2021: Dividends −$144M$165MFY2021FY2022: Operating cash flow $5.1BFY2022: Net borrowing $4.6BFY2022: Shares issued −$4.9MFY2022: Asset sales $60.8MFY2022: Capital spending −$215MFY2022: Buybacks −$155MFY2022: Dividends −$144M$9.8BFY2022FY2023: Operating cash flow $66.2MFY2023: Net borrowing $1.8BFY2023: Shares issued −$4.9MFY2023: Asset sales $72.3MFY2023: Capital spending −$166MFY2023: Buybacks −$177MFY2023: Dividends −$143M$1.9BFY2023FY2024: Operating cash flow $1.4BFY2024: Net borrowing −$4.5BFY2024: Shares issued −$3.8MFY2024: Asset sales $25.1MFY2024: Capital spending −$172MFY2024: Buybacks −$89.9MFY2024: Dividends −$143M$1.5BFY2024FY2025: Operating cash flow $740MFY2025: Net borrowing −$134MFY2025: Asset sales $68.3MFY2025: Capital spending −$164MFY2025: Buybacks −$413MFY2025: Dividends −$148M$808MFY2025
Over these 5 years operating cash flow totalled $3.7B; the largest uses were net borrowing ($5.9B) and operating cash flow ($3.7B). Cash-flow statements as filed.

Where the cash came from and went

BOK Financial: sources (+) and uses (−) of cash, Q3 2026BOK Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.3BNet borrowing (+) / repaid (−)$1.0BOperating cash flow$280MCash drawn (+) / kept (−)$256MOther financing−$176MCapital spending−$54.7MAsset & business sales$41.3MDividends−$38.9MTaxes on employees’ shares−$265K
BOK Financial: sources (+) and uses (−) of cash, TTM to Q3 2026BOK Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$3.5BOther financing$1.6BNet borrowing (+) / repaid (−)$1.4BOperating cash flow$916MBuybacks−$317MCapital spending−$196MCash drawn (+) / kept (−)$161MDividends−$153MAsset & business sales$120MTaxes on employees’ shares−$12.1M

From profit to cash

BOK Financial: net income to operating cash flow, Q3 2026BOK Financial: net income to operating cash flow, Q3 2026Net income$160MDepreciation & amortization$27.9MStock-based pay$5.7MGains on disposals−$5.7MReceivables−$720MPrepaid and other assets$7.9MOther liabilities$55.3MOperating cash flow$280M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$280M−$54.7M—−$38.9M$1.0B—$256M$225M
Q2 2026$1.1B−$47.2M−$8.2M−$38.2M−$1.9B—−$109M$1.1B
Q1 2026−$249M−$35.7M—−$37.6M$2.2B—$246M−$284M
Q4 2025−$238M−$58.3M−$308M−$38.2M$13.0M—−$232M−$296M
Q3 2025$868M−$29.3M−$41.0M−$36.3M−$622M—−$67.0M$839M
Q2 2025$89.4M−$28.6M−$62.8M−$36.5M$815M−$754K$57.6M$60.8M
Q1 2025$20.3M−$48.2M−$994K−$36.5M−$340M−$5.4M$18.0M−$28.0M
Q4 2024$541M−$47.1M−$77K−$36.9M−$1.2B−$64K$41.3M$494M

BOK Financial: income statement and cash flow

BOK Financial, Q3 2026: revenue $561M (+2% year over year), operating margin 35.8%. The chart follows the revenue to costs, profit and cash.

BOK Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.