Bank OZK(OZK)Earnings, Financials & Key Ratios

OZK•NASDAQ•Banking & Credit

8.0× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial real estate and multifamily lenders

AboutBank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services. Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.Show more

Net Interest Income$1.59B+3.8%
Total Revenue$2.81B+1.1%
Net Income$715M-0.1%
Return on Equity12.09%-8.5%
Net Interest Margin3.9%-2.6%
Efficiency Ratio22.14%+11.4%
ROA1.81%-8.4%
Equity / Assets15.03%+0.8%
Book Value per Share54.70+9.3%

OZK Key Insights

Bank OZK (OZK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Dividend Aristocrat: 27 years of consecutive increases
✓Strong 5Y profit CAGR of 19.6%
✓Strong Piotroski F-Score: 7/9
✓Strong NIM of 3.9%
✓Efficient operations: 22.1% efficiency ratio

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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OZK Price & Volume

Bank OZK (OZK) stock price & volume — 10-year historical chart

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OZK Growth Metrics

Bank OZK (OZK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.66%

5 Years18.97%

3 Years26.67%

TTM-

Profit CAGR

10 Years14.65%

5 Years19.64%

3 Years8.24%

TTM-0.14%

EPS CAGR

10 Years11.43%

5 Years22.25%

3 Years10.77%

TTM0.49%

Return on Capital

10 Years12.4%

5 Years11.21%

3 Years10.36%

Last Year4.23%

OZK Recent Earnings

Bank OZK (OZK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (67%)

Q2 2026Latest

Apr 21, 2026

Metric

Actual

Est

EPS

$1.44+0.7%

$1.43

Rev

$422M-0.2%

$423M

Q1 2026

Jan 20, 2026

Metric

Actual

Est

EPS

$1.53-1.9%

$1.56

Rev

$445M+2.3%

$435M

Q4 2025

Oct 16, 2025

Metric

Actual

Est

EPS

$1.59-3.6%

$1.65

Rev

$450M+0.6%

$447M

Q3 2025

Jul 17, 2025

Metric

Actual

Est

EPS

$1.58+4.6%

$1.51

Rev

$428M-4.2%

$447M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 21, 2026	$1.44vs $1.43+0.7%	$422Mvs $423M-0.2%
Q1 2026	Jan 20, 2026	$1.53vs $1.56-1.9%	$445Mvs $435M+2.3%
Q4 2025	Oct 16, 2025	$1.59vs $1.65-3.6%	$450Mvs $447M+0.6%
Q3 2025	Jul 17, 2025	$1.58vs $1.51+4.6%	$428Mvs $447M-4.2%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
IBOCInternational Bancshares CorporationDirect Competitor	4.57B	73.56	11.11	1.03%	39.31%	13.16%	0.22
SFNCSimmons First National CorporationDirect Competitor	3.18B	21.90	-7.42	-56.66%	-64.33%	-11.48%	0.19
HOMBHome Bancshares, Inc.Direct Competitor	5.47B	27.65	11.47	-5.35%	34.59%	11.43%	0.22
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.7B	32.78	18.52	11.71%	30.71%	14.16%	0.01
UMBFUMB Financial CorporationDirect Competitor	10.13B	133.06	14.57	68.52%	19.79%	11.67%	0.49
BOKFBOK Financial CorporationDirect Competitor	7.92B	130.33	14.20	-1.07%	17.38%	9.79%	0.78
EWBCEast West Bancorp, Inc.Product Competitor	17.45B	126.81	13.32	4.63%	28.27%	15.77%	0.36
BANRBanner CorporationProduct Competitor	2.2B	64.83	11.49	-0.95%	23.84%	10.34%	0.19

Compare OZK vs Peers

Bank OZK (OZK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBOC

Most directly comparable listed peer for OZK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare OZK against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBOC, SFNC, HOMB, FFIN

OZK Income Statement

Bank OZK (OZK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	817.43M	891.43M	884.18M	888.62M	989.72M	1.14B	1.44B	1.53B	1.59B
NII Growth %	35.9%	9.05%	-0.81%	0.5%	11.38%	15.41%	26.02%	6.55%	3.81%
Net Interest Margin %	3.84%	3.98%	3.75%	3.27%	3.73%	4.13%	4.2%	4.01%	3.9%
Interest Income	932.59M	1.1B	1.16B	1.08B	1.07B	1.27B	2.13B	2.65B	2.67B
Interest Expense	115.16M	209.39M	278.36M	192.16M	81.59M	123.83M	688.69M	1.12B	1.08B
Loan Loss Provision	28.09M	64.4M	26.24M	203.64M	-77.94M	83.49M	165.47M	175.55M	172.51M
Non-Interest Income	112.83M	100.25M	100.08M	96.29M	115.54M	114.5M	122.55M	124.41M	135.7M
Non-Interest Income %	10.79%	8.35%	7.93%	8.18%	9.73%	8.29%	5.44%	4.48%	4.84%
Total Revenue	1.05B▲ 0%	1.2B▲ 14.9%	1.26B▲ 5.1%	1.18B▼ 6.8%	1.19B▲ 0.8%	1.38B▲ 16.3%	2.25B▲ 63.0%	2.77B▲ 23.2%	2.81B▲ 1.1%
Revenue Growth %	38.36%	14.89%	5.13%	-6.78%	0.83%	16.32%	63.03%	23.25%	1.15%
Non-Interest Expense	321.64M	373.22M	393.69M	405.1M	430.27M	451.72M	529.56M	551.29M	621.07M
Efficiency Ratio	30.77%	31.07%	31.18%	34.42%	36.25%	32.72%	23.53%	19.87%	22.14%
Operating Income	580.52M▲ 0%	554.06M▼ 4.6%	564.34M▲ 1.9%	376.18M▼ 33.3%	752.92M▲ 100.1%	721.53M▼ 4.2%	867M▲ 20.2%	931.29M▲ 7.4%	934.27M▲ 0.3%
Operating Margin %	55.53%	46.13%	44.7%	31.96%	63.44%	52.26%	38.52%	33.57%	33.3%
Operating Income Growth %	36.8%	-4.56%	1.86%	-33.34%	100.15%	-4.17%	20.16%	7.42%	0.32%
Pretax Income	580.52M▲ 0%	554.06M▼ 4.6%	564.34M▲ 1.9%	376.18M▼ 33.3%	752.92M▲ 100.1%	721.53M▼ 4.2%	867M▲ 20.2%	931.29M▲ 7.4%	934.27M▲ 0.3%
Pretax Margin %	55.53%	46.13%	44.7%	31.96%	63.44%	52.26%	38.52%	33.57%	33.3%
Income Tax	158.59M	136.98M	138.43M	84.31M	173.89M	157.44M	176.16M	214.79M	218.81M
Effective Tax Rate %	27.32%	24.72%	24.53%	22.41%	23.1%	21.82%	20.32%	23.06%	23.42%
Net Income	421.89M▲ 0%	417.11M▼ 1.1%	425.91M▲ 2.1%	291.9M▼ 31.5%	579M▲ 98.4%	564.14M▼ 2.6%	690.78M▲ 22.4%	716.46M▲ 3.7%	715.48M▼ 0.1%
Net Margin %	40.36%	34.73%	33.73%	24.8%	48.78%	40.86%	30.69%	25.83%	25.5%
Net Income Growth %	56.27%	-1.13%	2.11%	-31.46%	98.36%	-2.57%	22.45%	3.72%	-0.14%
Net Income (Continuing)	421.94M	417.08M	425.91M	291.87M	579.03M	564.09M	690.84M	716.5M	715.46M
EPS (Diluted)	3.35▲ 0%	3.24▼ 3.3%	3.30▲ 1.9%	2.26▼ 31.5%	4.47▲ 97.8%	4.54▲ 1.6%	5.87▲ 29.3%	6.14▲ 4.6%	6.17▲ 0.5%
EPS Growth %	29.84%	-3.28%	1.85%	-31.52%	97.79%	1.57%	29.3%	4.6%	0.49%
EPS (Basic)	3.36	3.24	3.30	2.26	4.49	4.55	5.89	6.16	6.21
Diluted Shares Outstanding	125.81M	128.74M	129.01M	129.44M	129.62M	120.7M	114.83M	114.02M	112.07M

OZK Balance Sheet

Bank OZK (OZK) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	3.06B	3.15B	3.77B	5.8B	5.97B	4.53B	5.39B	3.35B	0
Cash & Due from Banks	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B	2.78B	0
Short Term Investments	2.59B	2.86B	2.28B	3.41B	3.92B	3.49B	3.24B	565.5M	0
Total Investments	18.54B	19.88B	19.7B	22.32B	22.02B	24.06B	29.36B	32.34B	0
Investments Growth %	16.2%	7.2%	-0.89%	13.29%	-1.33%	9.26%	22.04%	10.13%	-100%
Long-Term Investments	15.95B	17.02B	17.42B	18.91B	18.11B	20.57B	26.12B	31.77B	0
Accounts Receivables	64.61M	81.97M	75.21M	88.08M	83.03M	125.13M	170.11M	174.03M	0
Goodwill & Intangibles	709.04M	696.46M	684.54M	675.46M	669.06M	663.54M	660.79M	660.79M	660.79M
Goodwill	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M
Intangible Assets	48.25M	35.67M	23.75M	14.67M	8.27M	2.75M	0	0	0
PP&E (Net)	519.81M	567.19M	711.54M	738.84M	695.86M	678.4M	676.82M	739.11M	922M
Other Assets	999.02M	873.84M	887.77M	947.86M	1.01B	1.09B	1.22B	1.56B	-1.58B
Total Current Assets	3.1B	3.23B	3.85B	5.89B	6.05B	4.65B	5.56B	3.52B	3.07B
Total Non-Current Assets	18.18B	19.15B	19.71B	21.28B	20.48B	23.01B	28.67B	34.74B	0
Total Assets	21.28B▲ 0%	22.39B▲ 5.2%	23.56B▲ 5.2%	27.16B▲ 15.3%	26.53B▼ 2.3%	27.66B▲ 4.2%	34.24B▲ 23.8%	38.26B▲ 11.7%	40.79B▲ 6.6%
Asset Growth %	12.63%	5.23%	5.22%	15.31%	-2.33%	4.24%	23.79%	11.75%	6.6%
Return on Assets (ROA)	2.1%	1.91%	1.85%	1.15%	2.16%	2.08%	2.23%	1.98%	1.81%
Accounts Payable	186.16M	216.35M	221.79M	251.94M	186.84M	233.86M	0	0	0
Total Debt	433.35M	459.89M	706.22M	1.1B	1.23B	1.08B	1.27B	883.04M	463.58M
Net Debt	-7.04M	169.22M	-789.54M	-1.29B	-824.23M	41.75M	-874.8M	-1.9B	463.58M
Long-Term Debt	364.02M	439.33M	694.97M	1.1B	1.22B	1.08B	1.27B	883.04M	463.58M
Short-Term Debt	69.33M	20.56M	11.25M	8.01M	6.12M	0	0	0	0
Other Liabilities	-186.16M	0	0	81.48M	65.49M	156.42M	417.61M	626.55M	-463.58M
Total Current Liabilities	17.63B	18.18B	18.71B	21.71B	20.4B	21.73B	27.41B	31.04B	3.83B
Total Non-Current Liabilities	177.85M	439.33M	694.97M	1.18B	1.29B	1.23B	1.69B	1.51B	0
Total Liabilities	17.81B	18.61B	19.4B	22.89B	21.69B	22.97B	29.1B	32.55B	34.66B
Total Equity	3.46B▲ 0%	3.77B▲ 8.9%	4.15B▲ 10.1%	4.28B▲ 2.9%	4.84B▲ 13.2%	4.69B▼ 3.1%	5.14B▲ 9.6%	5.71B▲ 11.0%	6.13B▲ 7.4%
Equity Growth %	23.93%	8.94%	10.07%	2.93%	13.19%	-3.07%	9.57%	11.02%	7.42%
Equity / Assets (Capital Ratio)	16.28%	16.85%	17.63%	15.74%	18.24%	16.96%	15.01%	14.91%	15.03%
Return on Equity (ROE)	13.48%	11.53%	10.75%	6.93%	12.7%	11.84%	14.05%	13.21%	12.09%
Book Value per Share	27.53	29.31	32.20	33.03	37.34	38.86	44.76	50.05	54.70
Tangible BV per Share	21.90	23.90	26.89	27.81	32.17	33.37	39.01	44.25	48.80
Common Stock	1.28M	1.29M	1.29M	1.29M	1.25M	1.17M	1.13M	1.14M	1.1M
Additional Paid-in Capital	2.22B	2.24B	2.25B	2.27B	2.09B	1.75B	1.61B	1.63B	1.5B
Retained Earnings	1.25B	1.57B	1.87B	1.95B	2.38B	2.77B	3.28B	3.82B	4.32B
Accumulated OCI	-12.71M	-34.1M	27.25M	58.25M	23.84M	-177.65M	-97.37M	-76.14M	-24.86M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	338.98M	338.98M	338.98M	338.98M	338.98M

OZK Cash Flow Statement

Bank OZK (OZK) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	384.48M	705.31M	424.64M	551.95M	528.2M	764.95M	881.55M	834.47M	837.73M
Operating CF Growth %	58.92%	83.45%	-39.79%	29.98%	-4.3%	44.82%	15.24%	-5.34%	0.39%
Net Income	421.94M	417.08M	425.91M	291.87M	579.03M	564.09M	690.84M	716.5M	715.48M
Depreciation & Amortization	34.07M	35.44M	42.51M	43.79M	43.13M	55.52M	63.8M	89.24M	0
Deferred Taxes	198.64M	33.06M	-100.9M	53.76M	-61.21M	63.83M	-52.93M	56.37M	0
Other Non-Cash Items	-47.3M	32.93M	-5.64M	184.09M	-60.72M	82.97M	150.94M	164.05M	305.5M
Working Capital Changes	-235.19M	172.67M	48.61M	-36.41M	11.96M	-14.66M	11.47M	-212.37M	-183.25M
Cash from Investing	-2.63B	-1.53B	120.63M	-2.97B	140.21M	-2.43B	-5.53B	-3.25B	-2.34B
Purchase of Investments	-1.61B	-825.19M	0	-2.5B	-3.73B	-960.36M	-241.65M	-575.85M	-724.8M
Sale/Maturity of Investments	488.23M	496.62M	648.84M	1.39B	3.11B	1.09B	574.91M	997.13M	984.18M
Net Investment Activity	-1.12B	-328.58M	648.84M	-1.11B	-616.69M	127.81M	333.26M	421.28M	259.37M
Acquisitions	0	0	-28.04M	-106.22M	-156.22M	-74.31M	-92.19M	-25.38M	-550K
Other Investing	-1.47B	-1.11B	-401.48M	-1.7B	947.04M	-2.45B	-5.74B	-3.55B	-2.5B
Cash from Financing	1.82B	671.43M	659.81M	3.32B	-1.01B	644.92M	5.77B	3.05B	1.56B
Dividends Paid	-88.73M	-102.22M	-121.12M	-139.25M	-146.51M	-168.86M	-179.17M	-195.64M	-212.97M
Share Repurchases	0	-3.77M	-1.68M	-1.85M	-195.42M	-355.54M	-160.14M	-8.47M	-144.52M
Stock Issued	299.72M	0	0	0	0	0	0	0	-6.82M
Net Stock Activity	299.72M	-3.77M	-1.68M	-1.85M	-195.42M	-355.54M	-160.14M	-8.47M	-151.35M
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	1.63B	703.04M	527.91M	3.06B	-1.12B	1.32B	5.91B	3.64B	2.34B
Net Change in Cash	-425.97M▲ 0%	-149.72M▲ 64.9%	1.21B▲ 904.9%	897.9M▼ 25.5%	-339.83M▼ 137.8%	-1.02B▼ 200.3%	1.12B▲ 209.4%	631.57M▼ 43.4%	0▼ 100.0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	-52.72M
Cash at Beginning	866.36M	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B	0
Cash at End	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B	2.78B	0
Interest Paid	0	0	0	0	0	113.57M	665.21M	1.11B	0
Income Taxes Paid	0	0	0	0	0	69.99M	213.78M	175.64M	0
Free Cash Flow	345.62M▲ 0%	618.56M▲ 79.0%	325.95M▼ 47.3%	502.34M▲ 54.1%	494.28M▼ 1.6%	735.09M▲ 48.7%	852.41M▲ 16.0%	738.85M▼ 13.3%	731.73M▼ 1.0%
FCF Growth %	75.66%	78.97%	-47.3%	54.11%	-1.6%	48.72%	15.96%	-13.32%	-0.96%

OZK Banking Ratios

Bank OZK (OZK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.67%	13.48%	11.53%	10.75%	6.93%	12.7%	11.84%	14.05%	13.21%	12.09%
Return on Assets (ROA)	1.88%	2.1%	1.91%	1.85%	1.15%	2.16%	2.08%	2.23%	1.98%	1.81%
Net Interest Margin	3.18%	3.84%	3.98%	3.75%	3.27%	3.73%	4.13%	4.2%	4.01%	3.9%
Efficiency Ratio	32.61%	30.77%	31.07%	31.18%	34.42%	36.25%	32.72%	23.53%	19.87%	22.14%
Equity / Assets	14.8%	16.28%	16.85%	17.63%	15.74%	18.24%	16.96%	15.01%	14.91%	15.03%
Book Value / Share	26.69	27.53	29.31	32.2	33.03	37.34	38.86	44.76	50.05	54.7
NII Growth	57.4%	35.9%	9.05%	-0.81%	0.5%	11.38%	15.41%	26.02%	6.55%	3.81%
Dividend Payout	23.03%	21.03%	24.51%	28.44%	47.71%	25.3%	26.99%	23.59%	25.05%	27.5%

OZK Frequently Asked Questions

Bank OZK (OZK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Bank OZK (OZK) grew revenue by 1.1% over the past year. Growth has been modest.

Yes, Bank OZK (OZK) is profitable, generating $715.5M in net income for fiscal year 2025 (25.5% net margin).

Dividend & Returns

Yes, Bank OZK (OZK) pays a dividend with a yield of 3.56%. This makes it attractive for income-focused investors.

Bank OZK (OZK) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

Bank OZK (OZK) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.

Bank OZK (OZK) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OZK back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in OZK be worth today?

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Bank OZK(OZK)Earnings, Financials & Key Ratios

OZK•NASDAQ•Banking & Credit

8.0× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial real estate and multifamily lenders

Net Interest Income$1.59B+3.8%
Total Revenue$2.81B+1.1%
Net Income$715M-0.1%
Return on Equity12.09%-8.5%
Net Interest Margin3.9%-2.6%
Efficiency Ratio22.14%+11.4%
ROA1.81%-8.4%
Equity / Assets15.03%+0.8%
Book Value per Share54.70+9.3%