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 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	1,592	1,534	1,439	1,142	989.72
Net Interest Income Growth	3.81%	6.55%	26.02%	15.41%	11.38%
Non-Interest Income	135.7	124.41	122.55	114.5	115.54
Non-Interest Income Growth	9.07%	1.52%	7.03%	-0.90%	10.45%
Revenues Before Loan Losses	1,728	1,658	1,562	1,257	1,105
Provision for Credit Losses	172.51	175.55	165.47	83.49	-77.94
Revenue	1,555	1,483	1,397	1,173	1,183
Revenue Growth (YoY)	4.91%	6.16%	19.03%	-0.84%	49.85%
Compensation Expenses	346.07	296.02	258.85	226.37	214.57
Selling, General & Admin	79.78	71.68	72.59	70.06	66.8
Other Non-Interest Expenses	195.22	183.6	198.12	155.29	148.91
Total Non-Interest Expense	621.07	551.29	529.56	451.72	430.28
Pretax Income	934.27	931.29	867	721.53	752.92
Provision for Income Taxes	218.81	214.79	176.16	157.44	173.89
Net Income	699.29	700.27	674.6	547.52	579
Minority Interest in Earnings	-0.02	0.05	0.06	-0.05	0.03
Net Income Attributable to Preferred Dividends	16.19	16.19	16.19	16.62	-
Net Income to Common	699.29	700.27	674.6	547.52	579
Net Income Growth	-0.14%	3.81%	23.21%	-5.44%	98.36%
Shares Outstanding (Basic)	113	114	114	120	129
Shares Outstanding (Diluted)	113	114	115	121	130
Shares Change (YoY)	-0.69%	-0.71%	-4.86%	-6.88%	0.14%
EPS (Basic)	6.20	6.16	5.89	4.55	4.49
EPS (Diluted)	6.18	6.14	5.87	4.54	4.47
EPS Growth	0.65%	4.60%	29.29%	1.57%	97.79%
Shares Outstanding	110.38	113.46	113.15	117.18	125.44
Free Cash Flow	731.73	738.85	852.41	735.09	494.28
Free Cash Flow Growth	-0.96%	-13.32%	15.96%	48.72%	-1.60%
Free Cash Flow Per Share	6.46	6.48	7.42	6.09	3.81
Dividends Per Share	1.740	1.580	1.420	1.260	1.133
Dividend Growth	10.13%	11.27%	12.70%	11.26%	5.10%
Profit Margin	46.00%	48.33%	49.47%	48.08%	48.94%
FCF Margin	47.05%	49.84%	61.04%	62.65%	41.78%
EBITDA	125.59	104.26	33.71	36.96	35.93
EBITDA Margin	8.07%	7.03%	2.41%	3.15%	3.04%
Effective Tax Rate	23.42%	23.06%	20.32%	21.82%	23.10%

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

SEC Filings: 10-K · 10-Q