OZK

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Bank OZK

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Key Metrics

Previous Close: $49.48
52-Week Range: $42.37 – $53.66
Market Cap: $5.37B
P/E (TTM): 8.13
EPS (TTM): 6.06
Dividend Yield: 3.76%

Advanced Metrics

Price/Book: 0.90
PEG Ratio: 2.76
Return on Equity: 11.33%
Return on Assets: 1.66%
Gross Margin: 0.00%
Operating Margin: 55.61%
Profit Margin: 44.53%
Current Ratio: —
Debt/Equity: —
Total Debt: $668.23M
Free Cash Flow: —
Revenue Growth: -2.10%
Earnings Growth: -5.70%
Enterprise Value: $4.83B

OZK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.26B	$1.56B	$1.66B	$1.73B
Selling, General & Admin	$244.78M	$305.35M	$342.18M	$392.96M
Pretax Income	$721.53M	$867.00M	$931.29M	$934.27M
Income Tax	$157.44M	$176.16M	$214.79M	$218.81M
Net Income	$564.14M	$690.78M	$716.46M	$715.48M
Diluted EPS	4.54	5.87	6.14	6.18
Diluted Shares	120.70M	114.83M	114.02M	113.22M

OZK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.03B	$2.15B	$2.78B	$2.83B
Receivables	$125.13M	$170.11M	$174.03M	$171.58M
Total Assets	$27.66B	$34.24B	$38.26B	$40.79B
Long-Term Debt	$1.08B	$1.27B	$883.04M	$463.58M
Total Debt	$1.08B	$1.27B	$883.04M	$463.58M
Total Liabilities	$22.97B	$29.10B	$32.55B	$34.66B
Retained Earnings	$2.77B	$3.28B	$3.82B	$4.32B
Shareholders' Equity	$4.69B	$5.14B	$5.71B	$6.13B
Net Debt	$41.75M	—	—	—

OZK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$764.95M	$881.55M	$834.47M	$837.73M
Capital Expenditure	-$29.85M	-$29.14M	-$95.62M	-$106.00M
Free Cash Flow	$735.09M	$852.41M	$738.85M	$731.73M
Depreciation & Amortisation	$55.52M	$83.99M	$104.26M	$125.59M
Stock-Based Compensation	$13.21M	$17.43M	$20.67M	$23.14M
Investing Cash Flow	-$2.43B	-$5.53B	-$3.25B	-$2.34B
Financing Cash Flow	$644.92M	$5.77B	$3.05B	$1.56B
Dividends Paid	-$168.86M	-$179.17M	-$195.64M	-$212.97M
Share Repurchases	-$355.54M	-$158.97M	-$7.61M	-$151.35M
Net Change in Cash	-$1.02B	$1.12B	$631.57M	$52.72M

OZK Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$409.23M	$428.04M	$449.94M	$440.65M	$418.10M
Selling, General & Admin	$93.03M	$97.40M	$103.89M	$98.64M	$105.89M
Pretax Income	$223.86M	$239.66M	$242.31M	$228.43M	$211.61M
Income Tax	$51.89M	$56.66M	$57.74M	$52.52M	$48.25M
Net Income	$171.96M	$182.98M	$184.58M	$175.96M	$163.36M
Diluted EPS	1.47	1.58	1.59	—	1.44
Diluted Shares	114.22M	113.31M	113.30M	—	110.92M

OZK Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$2.38B	$2.71B	$3.12B	$2.83B	$1.70B
Receivables	$174.32M	$182.91M	$178.31M	$171.58M	$176.25M
Total Assets	$39.17B	$41.45B	$41.61B	$40.79B	$41.66B
Long-Term Debt	$763.03M	$1.26B	$763.39M	$463.58M	$813.88M
Total Debt	$763.03M	$1.26B	$763.39M	$463.58M	$813.88M
Total Liabilities	$33.33B	$35.53B	$35.51B	$34.66B	$35.51B
Retained Earnings	$3.94B	$4.07B	$4.20B	$4.32B	$4.43B
Shareholders' Equity	$5.83B	$5.92B	$6.09B	$6.13B	$6.16B

OZK Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$268.84M	$147.18M	$215.27M	$206.43M	$239.03M
Capital Expenditure	-$26.49M	-$19.12M	-$29.28M	-$31.11M	-$26.98M
Free Cash Flow	$242.35M	$128.06M	$186.00M	$175.32M	$212.06M
Depreciation & Amortisation	$22.68M	$37.46M	$30.56M	$34.89M	$31.57M
Stock-Based Compensation	$5.96M	$6.22M	$5.64M	$5.33M	$5.96M
Investing Cash Flow	-$1.38B	-$1.82B	$290.46M	$562.22M	-$1.98B
Financing Cash Flow	$703.40M	$2.00B	-$90.74M	-$1.06B	$610.43M
Dividends Paid	-$51.78M	-$52.72M	-$53.66M	-$54.81M	-$54.91M
Share Repurchases	$0.00	-$50.78M	$0.00	-$100.57M	-$59.95M
Net Change in Cash	-$403.41M	$328.26M	$414.99M	-$287.11M	-$1.13B

Market Snapshot

About

Bank OZK is a regional bank headquartered in Arkansas, operating across eight states in the South and Southwest. The company is known for its focus on commercial real estate lending, particularly construction and development loans. It provides a full range of retail and commercial banking services including deposits, loans, and wealth management.