Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
51.87
+0.28 (0.54%)
Aug 11, 2026, 4:00 PM EDT - Market closed
Bank OZK Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 Income | 715.46 | 716.5 | 690.84 | 564.09 | 579.03 |
Depreciation & Amortization | 125.59 | 104.26 | 33.71 | 36.96 | 35.93 |
Provision for Credit Losses | 172.51 | 175.55 | 165.47 | 83.49 | -77.94 |
Stock-Based Compensation | 23.14 | 20.67 | 17.43 | 13.21 | 16.01 |
Net Change in Loans Held-for-Sale | -2.38 | -1.94 | - | - | - |
Other Adjustments | -13.35 | 31.53 | -65.14 | 61.57 | -36.78 |
Changes in Trading Assets | - | - | 12.06 | 8.15 | -14.46 |
Changes in Accrued Interest and Accounts Receivable | 2.18 | -3.96 | -44.98 | -42.24 | 3.95 |
Changes in Accrued Expenses | -173.16 | -180.54 | 25.23 | 46.89 | 9.28 |
Changes in Other Operating Activities | -12.27 | -27.62 | 46.93 | -7.17 | 13.19 |
Operating Cash Flow | 837.73 | 834.47 | 881.55 | 764.95 | 528.2 |
Operating Cash Flow Growth | 0.39% | -5.34% | 15.24% | 44.82% | -4.30% |
Investing Activities
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 Change in Loans Held-for-Investment | -2,645 | -3,585 | -5,780 | -2,483 | 895.32 |
Net Change in Securities and Investments | 308.17 | 431.75 | 325.26 | 126.19 | -619 |
Capital Expenditures | -106 | -95.62 | -29.14 | -29.85 | -33.92 |
Other Investing Activities | 101.4 | -3.95 | -46.88 | -44 | -102.2 |
Investing Cash Flow | -2,342 | -3,253 | -5,531 | -2,430 | 140.21 |
Financing Activities
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 Change in Deposits | 2,342 | 3,638 | 5,905 | 1,318 | -1,131 |
Long-Term Debt Issued | -420.28 | -384.51 | 198.65 | -149.66 | 343.28 |
Long-Term Debt Repaid | - | - | - | - | -225 |
Net Long-Term Debt Issued (Repaid) | -420.28 | -384.51 | 198.65 | -149.66 | 118.28 |
Issuance of Common Stock | -6.82 | -7.15 | 1.17 | 2.49 | 7.23 |
Repurchase of Common Stock | -144.52 | -0.46 | -160.14 | -355.54 | -195.42 |
Net Common Stock Issued (Repurchased) | -151.35 | -7.61 | -158.97 | -353.05 | -188.2 |
Issuance of Preferred Stock | - | - | - | - | 338.98 |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | 338.98 |
Common Dividends Paid | -196.78 | -179.46 | -162.98 | -152.24 | -146.51 |
Preferred Share Dividends Paid | -16.19 | -16.19 | -16.19 | -16.62 | - |
Other Financing Activities | -0.55 | -0.45 | -0.44 | -1.71 | - |
Financing Cash Flow | 1,557 | 3,050 | 5,765 | 644.92 | -1,008 |
Net Cash Flow
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 Cash Flow | 52.72 | 631.57 | 1,116 | -1,020 | -339.83 |
Free Cash Flow
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 |
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% |
FCF Margin | 47.05% | 49.84% | 61.04% | 62.65% | 41.78% |
Free Cash Flow Per Share | 6.46 | 6.48 | 7.42 | 6.09 | 3.81 |