NASDAQ : OZK
Bank OZK — Financial statements
Financials · Banks - Regional · United States
Last price 50.65 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 5.49B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 2.39B | 2.47B | 2.46B | 1.99B | 1.19B | 1.02B |
| Interest Income on Investments | 199.10M | 195.22M | 191.03M | 136.63M | 76.30M | 52.47M |
| Total Interest Income | 2.59B | 2.67B | 2.65B | 2.13B | 1.27B | 1.07B |
| Interest Paid on Deposits | 983.27M | 1.05B | 1.08B | 627.05M | 94.57M | 64.42M |
| Interest Paid on Borrowings | 22.15M | 29.17M | 31.00M | 61.64M | 29.25M | 17.16M |
| Total Interest Expense | 1.01B | 1.08B | 1.12B | 688.69M | 123.83M | 81.59M |
| Net Interest Income | 1.59B | 1.59B | 1.53B | 1.44B | 1.14B | 989.72M |
| Trust Income | 7.99M | 8.51M | ||||
| Gain (Loss) on Sale of Assets | 11.47M | 9.96M | ||||
| Gain (Loss) on Sale of Investments | -27.77M | -18.27M | -14.57M | |||
| Other Non-Interest Income | 94.74M | 91.40M | 81.08M | 76.50M | 46.39M | 51.92M |
| Total Non-Interest Income | 140.26M | 135.70M | 124.41M | 94.78M | 93.40M | 98.43M |
| Revenues Before Loan Losses | 1.73B | 1.73B | 1.66B | 1.53B | 1.24B | 1.09B |
| Provision for Loan Losses | 185.88M | 172.51M | 175.55M | 165.47M | 83.49M | -77.94M |
| Revenue | 1.54B | 1.56B | 1.48B | 1.37B | 1.15B | 1.17B |
| Salaries and Employee Benefits | 345.47M | 322.92M | 275.34M | 241.41M | 213.17M | 198.56M |
| Occupancy Expenses | 76.98M | 65.28M | 60.38M | 61.99M | 59.96M | 56.40M |
| Selling, General & Administrative | 57.95M | 57.95M | 52.55M | 44.18M | 32.10M | 29.18M |
| Other Non-Interest Expense | 194.24M | 174.91M | 163.03M | 154.21M | 126.20M | 131.06M |
| Total Non-Interest Expense | 674.65M | 621.07M | 551.29M | 501.79M | 431.43M | 415.20M |
| EBT Excluding Unusual Items | 867.48M | 934.27M | 931.29M | 867.00M | 720.72M | 750.89M |
| Pretax Income | 867.48M | 934.27M | 931.29M | 867.00M | 721.53M | 752.92M |
| Income Tax Expense | 192.47M | 218.81M | 214.79M | 176.16M | 157.44M | 173.89M |
| Earnings From Continuing Operations | 675.01M | 715.46M | 716.50M | 690.84M | 564.09M | 579.03M |
| Minority Interest in Earnings | 52.00K | 21.00K | -47.00K | -56.00K | 51.00K | -32.00K |
| Net Income | 675.06M | 715.48M | 716.46M | 690.78M | 564.14M | 579.00M |
| Preferred Dividends & Other Adjustments | 16.19M | 16.19M | 16.19M | 16.19M | 16.62M | |
| Net Income to Common | 658.87M | 699.29M | 700.27M | 674.60M | 547.52M | 579.00M |
| Basic Shares Outstanding | 110.15M | 112.77M | 113.62M | 114.46M | 120.28M | 129.06M |
| Diluted Shares Outstanding | 110.52M | 113.22M | 114.02M | 114.83M | 120.70M | 129.62M |
| EPS (Basic) | 5.98 | 6.20 | 6.16 | 5.89 | 4.55 | 4.49 |
| EPS (Diluted) | 5.97 | 6.18 | 6.14 | 5.87 | 4.54 | 4.47 |
| Dividend Per Share | 1.86 | 1.74 | 1.58 | 1.42 | 1.26 | 1.13 |
| Effective Tax Rate | 22.19% | 23.42% | 23.06% | 20.32% | 21.82% | 23.09% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.15B | 2.83B | 2.78B | 2.15B | 1.03B | 2.05B |
| Investment Securities | 4.36B | 2.16B | 1.58B | 2.07B | 1.94B | 1.70B |
| Trading Asset Securities | 8.82M | 14.96M | ||||
| Mortgage-Backed Securities | 1.11B | 1.26B | 1.17B | 1.55B | 2.22B | |
| Total Investments | 4.36B | 3.26B | 2.84B | 3.24B | 3.50B | 3.93B |
| Gross Loans | 34.13B | 32.32B | 29.97B | 26.46B | 20.79B | 18.32B |
| Allowance for Loan Losses | -469.86M | -475.72M | -465.55M | -339.39M | -208.86M | -217.38M |
| Other Adjustments to Gross Loans | -6.92M | -11.45M | ||||
| Net Loans | 33.66B | 31.84B | 29.50B | 26.12B | 20.57B | 18.09B |
| Property, Plant & Equipment | 984.45M | 922.00M | 739.11M | 676.82M | 678.40M | 695.86M |
| Goodwill | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M |
| Other Intangible Assets | 2.75M | 8.27M | ||||
| Accrued Interest Receivable | 192.58M | 171.58M | 174.03M | 170.11M | 125.13M | 83.03M |
| Other Receivables | 72.60M | 39.30M | ||||
| Other Real Estate Owned & Foreclosed | 420.41M | 61.08M | 69.38M | 61.72M | 6.62M | 5.74M |
| Other Long-Term Assets | 1.72B | 944.14M | 1.42B | 1.10B | 1.04B | 959.99M |
| Total Assets | 43.19B | 40.79B | 38.26B | 34.24B | 27.66B | 26.53B |
| Interest Bearing Deposits | 30.88B | 23.89B | 22.42B | 19.34B | 15.30B | 13.58B |
| Institutional Deposits | 5.67B | 4.86B | 3.97B | 1.54B | 1.65B | |
| Non-Interest Bearing Deposits | 3.94B | 3.83B | 3.77B | 4.10B | 4.66B | 4.98B |
| Total Deposits | 34.83B | 33.38B | 31.04B | 27.41B | 21.50B | 20.21B |
| Short-Term Borrowings | 420.00M | 800.00M | 600.00M | |||
| Current Portion of Long-Term Debt | 750.00M | 537.00K | 813.00K | 5.32M | 6.67M | |
| Current Portion of Leases | 13.45M | |||||
| Current Income Taxes Payable | 42.50M | 32.20M | 11.20M | |||
| Accrued Interest Payable | 848.35M | 478.62M | 408.73M | 143.37M | 145.16M | 111.54M |
| Long-Term Debt | 350.00M | 349.39M | 348.57M | 347.76M | 346.95M | 1.10B |
| Long-Term Leases | 159.25M | 64.00M | 69.90M | 56.50M | 64.10M | |
| Trust Preferred Securities | 113.40M | 113.65M | 113.65M | 121.65M | 121.59M | 121.03M |
| Other Long-Term Liabilities | 151.26M | 156.13M | 153.81M | 161.83M | 156.42M | 71.61M |
| Total Liabilities | 37.04B | 34.66B | 32.55B | 29.10B | 22.97B | 21.69B |
| Preferred Stock, Redeemable | 338.98M | 338.98M | 338.98M | 338.98M | 338.98M | 338.98M |
| Common Stock | 1.08M | 1.10M | 1.14M | 1.13M | 1.17M | 1.25M |
| Additional Paid-In Capital | 1.40B | 1.50B | 1.63B | 1.61B | 1.75B | 2.09B |
| Retained Earnings | 4.65B | 4.32B | 3.82B | 3.28B | 2.77B | 2.38B |
| Comprehensive Income & Other | -241.39M | -24.86M | -76.14M | -97.37M | -177.65M | 23.84M |
| Total Common Equity | 5.81B | 5.79B | 5.37B | 4.80B | 4.35B | 4.50B |
| Minority Interest | 571.00K | 975.00K | 1.36M | 3.12M | ||
| Shareholders' Equity | 6.15B | 6.13B | 5.71B | 5.14B | 4.69B | 4.84B |
| Total Liabilities & Equity | 43.19B | 40.79B | 38.26B | 34.24B | 27.66B | 26.53B |
| Total Debt | 1.21B | 636.28M | 947.04M | 1.34B | 1.13B | 1.29B |
| Net Cash (Debt) | -62.61M | 2.20B | 1.83B | 804.90M | -89.43M | 781.20M |
| Net Cash Per Share | -0.57 | 19.41 | 16.09 | 7.01 | -0.74 | 6.03 |
| Filing Date Shares Outstanding | 108.40M | 110.39M | 113.60M | 113.05M | 117.05M | 124.64M |
| Total Common Shares Outstanding | 108.40M | 110.38M | 113.46M | 113.15M | 117.18M | 125.44M |
| Book Value Per Share | 53.59 | 52.46 | 47.30 | 42.42 | 37.13 | 35.85 |
| Tangible Book Value | 5.15B | 5.13B | 4.71B | 4.14B | 3.69B | 3.83B |
| Tangible Book Value Per Share | 47.50 | 46.48 | 41.48 | 36.58 | 31.47 | 30.52 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 715.48M | 716.46M | 690.78M | 564.14M | 579.00M | |
| Depreciation & Amortization | 125.59M | 104.26M | 83.99M | 55.52M | 43.13M | |
| Other Amortization | 764.00K | |||||
| Gain (Loss) on Sale of Assets | -1.15M | 50.00K | -7.76M | -10.41M | -6.50M | |
| Gain (Loss) on Sale of Investments | -560.00K | -3.24M | 30.18M | 58.87M | ||
| Provision for Credit Losses | 172.51M | 175.55M | 165.47M | 83.49M | -77.94M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -2.38M | -1.94M | ||||
| Change in Trading Asset Securities | -14.46M | |||||
| Accrued Interest Receivable | 2.18M | -3.96M | -44.98M | -42.24M | 3.95M | |
| Change in Other Net Operating Assets | -12.27M | -27.61M | 31.22M | -19.31M | 13.19M | |
| Other Operating Activities | -12.25M | 32.13M | -76.77M | 43.44M | -82.84M | |
| Operating Cash Flow | 837.73M | 834.47M | 881.55M | 764.95M | 528.20M | |
| Capital Expenditures | -106.00M | -95.62M | -29.14M | -29.85M | -33.92M | |
| Investment in Securities | 259.37M | 395.90M | 241.07M | 74.84M | -670.85M | |
| Divestitures | -21.35M | -102.06M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -2.65B | -3.58B | -5.78B | -2.48B | 895.32M | |
| Other Investing Activities | 150.19M | 31.89M | 37.32M | 28.70M | 51.71M | |
| Investing Cash Flow | -2.34B | -3.25B | -5.53B | -2.43B | 140.21M | |
| Long-Term Debt Issued | 198.65M | 345.89M | ||||
| Total Debt Issued | 198.65M | 345.89M | ||||
| Long-Term Debt Repaid | -420.27M | -384.50M | -149.66M | -227.62M | ||
| Total Debt Repaid | -420.27M | -384.50M | -149.66M | -227.62M | ||
| Net Debt Issued (Repaid) | -420.27M | -384.50M | 198.65M | -149.66M | 118.28M | |
| Issuance of Common Stock | 2.49M | 7.23M | ||||
| Repurchase of Common Stock | -144.52M | -462.00K | -151.47M | -355.54M | -195.42M | |
| Preferred Stock Issued | 338.98M | |||||
| Common Dividends Paid | -196.78M | -179.46M | -162.98M | -152.24M | -146.51M | |
| Preferred Dividends Paid | -16.19M | -16.19M | -16.19M | -16.62M | ||
| Total Dividends Paid | -212.97M | -195.64M | -179.17M | -168.86M | -146.51M | |
| Net Increase (Decrease) in Deposit Accounts | 2.34B | 3.64B | 5.91B | 1.32B | -1.13B | |
| Other Financing Activities | -7.37M | -7.60M | -7.94M | -1.71M | ||
| Financing Cash Flow | 1.56B | 3.05B | 5.77B | 644.92M | -1.01B | |
| Net Cash Flow | 52.72M | 631.57M | 1.12B | -1.02B | -339.83M | |
| Free Cash Flow | 731.73M | 738.85M | 852.41M | 735.09M | 494.28M | |
| Free Cash Flow Margin | 47.05% | 49.84% | 62.28% | 63.80% | 42.39% | |
| Free Cash Flow Per Share | 6.46 | 6.48 | 7.42 | 6.09 | 3.81 | |
| Cash Interest Paid | 1.08B | 1.11B | 665.21M | 113.57M | 87.92M | |
| Cash Income Tax Paid | 127.90M | 177.93M | 216.05M | 69.99M | 224.29M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.55B | 5.15B | 5.05B | 5.64B | 4.72B | 5.99B |
| Last Close Price | 50.65 | 44.22 | 41.16 | 44.42 | 34.41 | 38.76 |
| PE Ratio | 8.57 | 7.36 | 7.21 | 8.36 | 8.62 | 10.34 |
| PS Ratio | 3.56 | 3.31 | 3.41 | 4.12 | 4.09 | 5.14 |
| PB Ratio | 0.95 | 0.84 | 0.89 | 1.10 | 1.01 | 1.24 |
| P/FCF Ratio | 7.20 | 7.04 | 6.84 | 6.61 | 6.42 | 12.12 |
| P/OCF Ratio | 6.34 | 6.15 | 6.05 | 6.39 | 6.17 | 11.34 |
| Debt / Equity Ratio | 0.20 | 0.10 | 0.17 | 0.26 | 0.24 | 0.27 |
| Debt / FCF Ratio | 0.87 | 1.28 | 1.58 | 1.54 | 2.60 | |
| Net Debt / Equity Ratio | 0.01 | -0.36 | -0.32 | -0.16 | 0.02 | -0.16 |
| Net Debt / FCF Ratio | -3.00 | -2.48 | -0.94 | 0.12 | -1.58 | |
| Return on Equity (ROE) | 11.03% | 12.09% | 13.21% | 14.05% | 11.84% | 12.71% |
| Return on Assets (ROA) | 1.59% | 1.81% | 1.98% | 2.23% | 2.08% | 2.16% |
| Earnings Yield | 11.67% | 13.90% | 14.18% | 12.25% | 11.96% | 9.67% |
| FCF Yield | 13.89% | 14.21% | 14.62% | 15.12% | 15.58% | 8.25% |
| Dividend Yield | 3.79% | 3.73% | 3.55% | 2.85% | 3.13% | 2.37% |
| Payout Ratio | 31.82% | 29.77% | 27.31% | 25.94% | 29.93% | 25.30% |
| Buyback Yield / Dilution | 2.83% | 0.69% | 0.71% | 4.86% | 6.88% | -0.14% |
| Total Shareholder Return | 6.62% | 4.42% | 4.26% | 7.71% | 10.01% | 2.23% |