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BOK Financial BOKF Consumer Banking — Other Cost and Expense, Operating

Other segment segments

Commercial Banking
$31.04M
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$28.76M+6.4%

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Other financials

Income statement

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Revenue$589.4M+10.1%
Net income$176.5M+26.1%
EPS (diluted)$2.92+33.3%

Balance sheet

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Cash & equivalents$975.8M-28.2%
Total debt$228.1M-8.3%
Total equity$6.1B+3.3%
Total assets$53.2B+4.3%

Cash flow

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Operating cash flow-$248.7M-1,327%
CapEx$35.7M-25.9%
Free cash flow-$284.4M-917%

Valuation

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Market cap$8.78B+36.6%
P/E13.5×+1.5×
P/S3.9×+0.8×

Profitability

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Net margin28.5%+2.7pp
FCF margin64.7%+51.6pp

Returns & leverage

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Return on equity10.9%+1.2pp
Debt / equity0.0×

Where this comes from

Reported directly by BOK Financial in its filing.

Tagged under the XBRL concept us-gaap:OtherCostAndExpenseOperating.

The source filing: BOK Financial’s 10-Q, filed May 6, 2026.

Filed
May 6, 2026, 12:05 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000875357-26-000034
Line itemCommercial BankingConsumer BankingWealth ManagementSegment TotalFunds Management and OtherBOKFinancial Corporation
Net interest income after provision for credit losses173,07354,48142,478270,03272,522342,554
Other operating revenue60,06842,866110,387213,321(2,053)211,268
Personnel expense51,26725,46669,413146,14665,028211,174
Non-personnel expense31,04138,02728,75697,82445,168142,992
Total other operating expense82,30863,49398,169243,970110,196354,166
Corporate allocations16,04614,68617,15547,887(47,887)
Net income before taxes$134,787$19,168$37,541$191,496$8,160$199,656
Average assets$22,679,465$8,452,393$11,370,683$42,502,541$10,620,468$53,123,009

Item 6. Exhibits [92](#i2beb11d71c2f4b06859cb69826942c5a_157)

FAQ

What is BOK Financial's consumer banking — other cost and expense, operating?
BOK Financial (BOKF) reported consumer banking — other cost and expense, operating of $38.03M in Q1 2026.
What does consumer banking — other cost and expense, operating mean?
This metric captures all operating costs for the consumer banking segment other than personnel and interest expenses, such as technology, marketing, and occupancy costs. It represents the overhead required to maintain and grow the consumer banking business. Controlling these costs is vital for maintaining segment margins.

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