Bank OZK Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2016	FY 2015
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '16 Dec 31, 2016	Dec '15 Dec 31, 2015
Net Interest Income	2,475	2,459	1,992	601.51	382.15
Net Interest Income Growth	0.66%	23.45%	231.09%	57.40%	41.28%
Non-Interest Income	135.7	124.41	122.55	102.4	105.02
Non-Interest Income Growth	9.07%	1.52%	19.68%	-2.49%	23.72%
Revenues Before Loan Losses	2,611	2,583	2,114	703.9	487.17
Provision for Credit Losses	172.51	175.55	165.47	23.79	19.42
Revenue	2,438	2,407	1,949	680.11	467.75
Revenue Growth (YoY)	1.27%	23.54%	186.52%	45.40%	38.20%
Compensation Expenses	346.07	296.02	258.85	122.83	87.95
Selling, General & Admin	79.78	71.68	72.59	42.52	31.25
Other Non-Interest Expenses	195.22	183.6	198.12	90.4	71.78
Total Non-Interest Expense	621.07	551.29	529.56	255.75	190.98
Pretax Income	934.27	931.29	867	424.36	276.77
Provision for Income Taxes	218.81	214.79	176.16	154.28	94.46
Net Income	699.29	700.27	674.6	269.98	182.25
Minority Interest in Earnings	0.02	-0.05	-0.06	-0.1	-0.06
Net Income Attributable to Preferred Dividends	16.19	16.19	16.19	-	-
Net Income to Common	699.29	700.27	674.6	269.98	182.25
Net Income Growth	-0.14%	3.81%	149.87%	48.13%	53.66%
Shares Outstanding (Basic)	113	114	114	104	87
Shares Outstanding (Diluted)	113	114	115	105	87
Shares Change (YoY)	-0.69%	-0.71%	9.68%	19.86%	11.90%
EPS (Basic)	6.20	6.16	5.89	2.59	2.10
EPS (Diluted)	6.18	6.14	5.87	2.58	2.09
EPS Growth	0.65%	4.60%	127.52%	23.45%	37.50%
Free Cash Flow	731.73	738.85	852.41	196.76	184.37
Free Cash Flow Growth	-0.96%	-13.32%	333.23%	6.72%	134.28%
Free Cash Flow Per Share	6.46	6.48	7.42	1.88	2.11
Dividends Per Share	1.740	1.580	1.420	0.630	0.550
Dividend Growth	10.13%	11.27%	125.40%	14.54%	-
Profit Margin	29.35%	29.76%	35.45%	39.92%	39.30%
FCF Margin	30.01%	30.69%	43.74%	29.08%	39.74%
EBITDA	125.59	104.26	83.99	25.03	17.46
EBITDA Margin	5.15%	4.33%	4.31%	3.70%	3.76%
Effective Tax Rate	23.42%	23.06%	20.32%	36.36%	34.13%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q