Bank OZK Cash Flow 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 Income	715.46	716.5	690.84	270.08	182.31
Depreciation & Amortization	125.59	104.26	83.99	25.03	17.46
Provision for Credit Losses	-	-	-	27.4	23.22
Stock-Based Compensation	23.14	20.67	17.43	10.75	8.2
Net Change in Loans Held-for-Sale	-2.38	-1.94	-	-10.04	0.55
Other Adjustments	-13.35	31.53	-87.89	-73.85	-72.63
Changes in Accrued Interest and Accounts Receivable	2.18	-3.96	-44.98	-14.06	-2.95
Changes in Accounts Payable	-173.16	-180.54	25.46	-8.01	13.52
Changes in Other Operating Activities	-12.27	-27.62	31.22	14.62	31.49
Operating Cash Flow	837.73	834.47	881.55	241.93	201.18
Operating Cash Flow Growth	0.39%	-5.34%	264.39%	20.26%	107.90%
Net Change in Loans Held-for-Investment	-2,645	-3,585	-5,780	-1,872	-1,864
Net Change in Securities and Investments	282.53	421.28	333.26	-469.23	270.91
Capital Expenditures	-106	-95.62	-29.14	-45.17	-16.8
Other Investing Activities	127.04	6.52	-54.87	102.25	274.92
Investing Cash Flow	-2,342	-3,253	-5,531	-2,284	-1,335
Net Change in Deposits	2,342	3,638	5,905	3,038	1,002
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	-0.69	-0.32
Long-Term Debt Issued	-	-	-	222.32	110
Long-Term Debt Repaid	-	-	-	-	-158.85
Net Long-Term Debt Issued (Repaid)	-420.28	-384.51	198.65	-386.21	163.68
Issuance of Common Stock	-	-	-	6.16	5.15
Repurchase of Common Stock	-144.52	-0.46	-151.47	-3.3	-6.86
Net Common Stock Issued (Repurchased)	-144.52	-0.46	-151.47	2.86	-1.71
Common Dividends Paid	-196.78	-179.46	-162.98	-62.17	-47.08
Preferred Share Dividends Paid	-16.19	-16.19	-16.19	-	-
Other Financing Activities	-7.37	-7.6	-7.94	3.58	7.05
Financing Cash Flow	1,557	3,050	5,765	2,818	1,074
Net Cash Flow	52.72	631.57	1,116	775.37	-59.22
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%
FCF Margin	30.01%	30.69%	43.74%	29.08%	39.74%
Free Cash Flow Per Share	6.46	6.48	7.42	1.88	2.11
Levered Free Cash Flow	115.36	112.3	939.8	-143.82	388.66
Unlevered Free Cash Flow	-163.66	-203.46	66.56	-27.59	42.72

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

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