Bank OZK (OZK)

Bank OZK Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-	716.46	690.78	564.14	579
Depreciation & Amortization	-	89.24	63.8	55.52	43.13
Other Amortization	-	-	-	-	0.76
Gain (Loss) on Sale of Assets	-	0.05	-7.76	-10.41	-6.5
Gain (Loss) on Sale of Investments	-	14.46	16.95	30.18	58.87
Provision for Credit Losses	-	175.55	165.47	83.49	-77.94
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-1.94	-	-	-
Change in Trading Asset Securities	-	-	-	-	-14.46
Accrued Interest Receivable	-	-3.96	-44.98	-42.24	3.95
Change in Other Net Operating Assets	-	-27.62	31.22	-19.31	13.19
Other Operating Activities	-	32.39	-76.54	43.44	-82.84
Operating Cash Flow	-	834.47	881.55	764.95	528.2
Operating Cash Flow Growth	-	-5.34%	15.24%	44.82%	-4.30%
Capital Expenditures	-	-95.62	-29.14	-29.85	-33.92
Investment in Securities	-	395.9	241.07	74.84	-670.85
Divestitures	-	-	-	-21.35	-102.06
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-3,585	-5,780	-2,483	895.32
Other Investing Activities	-	31.89	37.32	28.7	51.71
Investing Cash Flow	-	-3,253	-5,531	-2,430	140.21
Long-Term Debt Issued	-	-	198.65	-	345.9
Total Debt Issued	-	-	198.65	-	345.9
Long-Term Debt Repaid	-	-384.51	-	-149.66	-227.62
Total Debt Repaid	-	-384.51	-	-149.66	-227.62
Net Debt Issued (Repaid)	-	-384.51	198.65	-149.66	118.28
Issuance of Common Stock	-	0.86	1.17	2.49	7.23
Repurchase of Common Stock	-	-8.47	-160.14	-355.54	-195.42
Preferred Stock Issued	-	-	-	-	338.98
Common Dividends Paid	-	-179.46	-162.98	-152.24	-146.51
Preferred Dividends Paid	-	-16.19	-16.19	-16.62	-
Total Dividends Paid	-	-195.64	-179.17	-168.86	-146.51
Net Increase (Decrease) in Deposit Accounts	-	3,638	5,905	1,318	-1,131
Other Financing Activities	-	-0.45	-0.44	-1.71	-
Financing Cash Flow	-	3,050	5,765	644.92	-1,008
Net Cash Flow	-	631.57	1,116	-1,020	-339.83
Free Cash Flow	-	738.85	852.41	735.09	494.28
Free Cash Flow Growth	-	-13.32%	15.96%	48.72%	-1.60%
Free Cash Flow Margin	-	49.88%	62.41%	63.80%	42.39%
Free Cash Flow Per Share	-	6.48	7.42	6.09	3.81
Cash Interest Paid	-	1,107	665.21	113.57	87.92
Cash Income Tax Paid	-	175.64	213.78	69.99	224.29

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q