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Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
51.80
+0.72 (1.41%)
At close: Nov 4, 2026, 4:00 PM EST
51.06
-0.74 (-1.43%)
After-hours: Nov 4, 2026, 7:30 PM EST

Bank OZK Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
715.48716.46690.78564.14579
Depreciation & Amortization
125.59104.2683.9955.5243.13
Other Amortization
----0.76
Gain (Loss) on Sale of Assets
-1.150.05-7.76-10.41-6.5
Gain (Loss) on Sale of Investments
--0.56-3.2430.1858.87
Provision for Credit Losses
172.51175.55165.4783.49-77.94
Net Decrease (Increase) in Loans Originated / Sold - Operating
-2.38-1.94---
Change in Trading Asset Securities
-----14.46
Accrued Interest Receivable
2.18-3.96-44.98-42.243.95
Change in Other Net Operating Assets
-12.27-27.6231.22-19.3113.19
Other Operating Activities
-12.2532.13-76.7743.44-82.84
Operating Cash Flow
837.73834.47881.55764.95528.2
Operating Cash Flow Growth
0.39%-5.34%15.24%44.82%-4.30%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-106-95.62-29.14-29.85-33.92
Investment in Securities
259.37395.9241.0774.84-670.85
Divestitures
----21.35-102.06
Net Decrease (Increase) in Loans Originated / Sold - Investing
-2,645-3,585-5,780-2,483895.32
Other Investing Activities
150.1931.8937.3228.751.71
Investing Cash Flow
-2,342-3,253-5,531-2,430140.21

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
--198.65-345.9
Total Debt Issued
--198.65-345.9
Long-Term Debt Repaid
-420.28-384.51--149.66-227.62
Total Debt Repaid
-420.28-384.51--149.66-227.62
Net Debt Issued (Repaid)
-420.28-384.51198.65-149.66118.28
Issuance of Common Stock
---2.497.23
Repurchase of Common Stock
-144.52-0.46-151.47-355.54-195.42
Preferred Stock Issued
----338.98
Common Dividends Paid
-196.78-179.46-162.98-152.24-146.51
Preferred Dividends Paid
-16.19-16.19-16.19-16.62-
Total Dividends Paid
-212.97-195.64-179.17-168.86-146.51
Net Increase (Decrease) in Deposit Accounts
2,3423,6385,9051,318-1,131
Other Financing Activities
-7.37-7.6-7.94-1.71-
Financing Cash Flow
1,5573,0505,765644.92-1,008

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
52.72631.571,116-1,020-339.83

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
731.73738.85852.41735.09494.28
Free Cash Flow Growth
-0.96%-13.32%15.96%48.72%-1.60%
Free Cash Flow Margin
47.05%49.84%62.28%63.80%42.39%
Free Cash Flow Per Share
6.466.487.426.093.81

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
1,0821,107665.21113.5787.92
Cash Income Tax Paid
127.9177.93216.0569.99224.29
SEC Filings: 10-K · 10-Q