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	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%
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
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	52.72	631.57	1,116	-1,020	-339.83
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
Levered Free Cash Flow	115.36	112.3	917.06	410.6	711.24
Unlevered Free Cash Flow	-163.66	-203.46	43.82	12.74	13.96

Updated Feb 25, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q