Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
49.32
+0.94 (1.94%)
At close: Sep 2, 2026, 4:00 PM EDT
49.31
-0.01 (-0.02%)
After-hours: Sep 2, 2026, 7:30 PM EDT
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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 691.28 | 715.48 | 716.46 | 690.78 | 564.14 | 579 |
Depreciation & Amortization | 138.25 | 125.59 | 104.26 | 83.99 | 55.52 | 43.13 |
Other Amortization | - | - | - | - | - | 0.76 |
Gain (Loss) on Sale of Assets | -0.83 | -1.15 | 0.05 | -7.76 | -10.41 | -6.5 |
Gain (Loss) on Sale of Investments | - | - | -0.56 | -3.24 | 30.18 | 58.87 |
Provision for Credit Losses | 186.43 | 172.51 | 175.55 | 165.47 | 83.49 | -77.94 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.47 | -2.38 | -1.94 | - | - | - |
Change in Trading Asset Securities | - | - | - | - | - | -14.46 |
Accrued Interest Receivable | 7.26 | 2.18 | -3.96 | -44.98 | -42.24 | 3.95 |
Change in Other Net Operating Assets | 54.01 | -12.27 | -27.62 | 31.22 | -19.31 | 13.19 |
Other Operating Activities | 11.05 | -12.25 | 32.13 | -76.77 | 43.44 | -82.84 |
Operating Cash Flow | 865.69 | 837.73 | 834.47 | 881.55 | 764.95 | 528.2 |
Operating Cash Flow Growth | 2.27% | 0.39% | -5.34% | 15.24% | 44.82% | -4.30% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Capital Expenditures | -103.28 | -106 | -95.62 | -29.14 | -29.85 | -33.92 |
Investment in Securities | -1,274 | 259.37 | 395.9 | 241.07 | 74.84 | -670.85 |
Divestitures | - | - | - | - | -21.35 | -102.06 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -72.39 | -2,645 | -3,585 | -5,780 | -2,483 | 895.32 |
Other Investing Activities | 157.32 | 150.19 | 31.89 | 37.32 | 28.7 | 51.71 |
Investing Cash Flow | -1,292 | -2,342 | -3,253 | -5,531 | -2,430 | 140.21 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Long-Term Debt Issued | - | - | - | 198.65 | - | 345.9 |
Total Debt Issued | -379.58 | - | - | 198.65 | - | 345.9 |
Long-Term Debt Repaid | - | -420.28 | -384.51 | - | -149.66 | -227.62 |
Total Debt Repaid | -420.28 | -420.28 | -384.51 | - | -149.66 | -227.62 |
Net Debt Issued (Repaid) | -799.85 | -420.28 | -384.51 | 198.65 | -149.66 | 118.28 |
Issuance of Common Stock | - | - | - | - | 2.49 | 7.23 |
Repurchase of Common Stock | -176.44 | -144.52 | -0.46 | -151.47 | -355.54 | -195.42 |
Preferred Stock Issued | - | - | - | - | - | 338.98 |
Common Dividends Paid | -202.7 | -196.78 | -179.46 | -162.98 | -152.24 | -146.51 |
Preferred Dividends Paid | -16.19 | -16.19 | -16.19 | -16.19 | -16.62 | - |
Total Dividends Paid | -218.89 | -212.97 | -195.64 | -179.17 | -168.86 | -146.51 |
Net Increase (Decrease) in Deposit Accounts | 474.67 | 2,342 | 3,638 | 5,905 | 1,318 | -1,131 |
Other Financing Activities | -4.64 | -7.37 | -7.6 | -7.94 | -1.71 | - |
Financing Cash Flow | -725.16 | 1,557 | 3,050 | 5,765 | 644.92 | -1,008 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | -1,152 | 52.72 | 631.57 | 1,116 | -1,020 | -339.83 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 762.42 | 731.73 | 738.85 | 852.41 | 735.09 | 494.28 |
Free Cash Flow Growth | 1.74% | -0.96% | -13.32% | 15.96% | 48.72% | -1.60% |
Free Cash Flow Margin | 49.12% | 47.05% | 49.84% | 62.28% | 63.80% | 42.39% |
Free Cash Flow Per Share | 6.84 | 6.46 | 6.48 | 7.42 | 6.09 | 3.81 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Cash Interest Paid | 1,050 | 1,082 | 1,107 | 665.21 | 113.57 | 87.92 |
Cash Income Tax Paid | 39.71 | 127.9 | 177.93 | 216.05 | 69.99 | 224.29 |