Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
52.11
+0.30 (0.58%)
Jun 26, 2026, 4:00 PM EDT - Market closed
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 |
| 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 | 715.46 | 716.5 | 690.84 | 564.09 | 579.03 |
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% |
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% |
Effective Tax Rate | 23.42% | 23.06% | 20.32% | 21.82% | 23.10% |