Bank OZK (OZK)

NASDAQ: OZK · Real-Time Price · USD

49.32

+0.94 (1.94%)

At close: Sep 2, 2026, 4:00 PM EDT

49.31

-0.01 (-0.02%)

After-hours: Sep 2, 2026, 7:30 PM EDT

Bank OZK Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	1,552	1,555	1,483	1,369	1,152	1,166
Revenue Growth	2.44%	4.91%	8.31%	18.80%	-1.20%	49.36%
Net Income	675.09	699.29	700.27	674.6	547.52	579
Earnings Per Share	6.06	6.18	6.14	5.87	4.54	4.47
EPS Growth	-1.58%	0.65%	4.60%	29.29%	1.57%	98.03%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	1,554	2,834	2,781	2,150	1,042	2,069
Total Debt	668.23	636.28	947.04	1,345	1,132	1,288
Net Cash (Debt)	886.09	2,198	1,834	804.9	-89.43	781.2
Net Cash Growth	-30.79%	19.82%	127.86%	-	-	-35.84%
Net Cash Per Share	7.95	19.41	16.09	7.01	-0.74	6.03

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Cash Flow	865.69	837.73	834.47	881.55	764.95	528.2
Capital Expenditures	-103.28	-106	-95.62	-29.14	-29.85	-33.92
Free Cash Flow	762.42	731.73	738.85	852.41	735.09	494.28
Free Cash Flow Growth	1.74%	-0.96%	-13.32%	15.96%	48.72%	-1.60%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Profit Margin	43.49%	44.96%	47.23%	49.28%	47.52%	49.65%
FCF Margin	49.12%	47.05%	49.84%	62.28%	63.80%	42.39%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 3, 2026	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
Dividend Per Share	1.860	1.740	1.580	1.420	1.260	1.133
Dividend Per Share Growth	9.41%	10.13%	11.27%	12.70%	11.26%	5.10%
Dividend Yield	3.77%	3.89%	3.80%	3.16%	3.62%	2.89%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 3, 2026	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
PE Ratio	8.14	7.36	7.21	8.36	8.62	10.34
Forward PE	8.63	7.55	7.78	8.36	7.68	12.45
P/FCF Ratio	7.05	7.04	6.84	6.61	6.42	12.12
PS Ratio	3.46	3.31	3.41	4.12	4.10	5.14