Bank OZK (OZK) 10-Year Financial Performance & Capital Metrics

OZK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

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 $1.53B +6.5%
Total Revenue $2.77B +23.2%
Net Income $716M +3.7%
Return on Equity 13.21% -6.0%
Net Interest Margin 4.01% -4.7%
Efficiency Ratio 19.87% -15.5%
ROA 1.98% -11.5%
Equity / Assets 14.91% -0.7%
Book Value per Share 50.05 +11.8%
Tangible BV/Share 44.25 +13.4%
Debt/Equity 0.15 -37.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Dividend Aristocrat: 27 years of consecutive increases
✓Strong NIM of 4.0%
✓Efficient operations: 19.9% efficiency ratio
✓Well capitalized: 14.9% equity/assets
✓Healthy dividend yield of 3.2%
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y22.42%

5Y17.05%

3Y32.71%

TTM-

Profit (Net Income) CAGR

10Y19.7%

5Y10.96%

3Y7.36%

TTM1.73%

EPS CAGR

10Y14.98%

5Y13.22%

3Y11.16%

TTM1.97%

ROCE

10Y Avg13.88%

5Y Avg11.83%

3Y Avg12.94%

Latest13.26%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	382.15M	601.5M	817.43M	891.43M	884.18M	888.62M	989.72M	1.14B	1.44B	1.53B
NII Growth %	0.41%	0.57%	0.36%	0.09%	-0.01%	0.01%	0.11%	0.15%	0.26%	0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	409.72M	662.55M	932.59M	1.1B	1.16B	1.08B	1.07B	1.27B	2.13B	2.65B
Interest Expense	27.57M	61.05M	115.16M	209.39M	278.36M	192.16M	81.59M	123.83M	688.69M	1.12B
Loan Loss Provision	19.41M	23.79M	28.09M	64.4M	26.24M	203.64M	-77.94M	83.49M	165.47M	175.55M
Non-Interest Income+	97.18M	93.01M	112.83M	100.25M	100.08M	96.29M	115.54M	114.5M	122.55M	124.41M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	506.9M	755.57M	1.05B	1.2B	1.26B	1.18B	1.19B	1.38B	2.25B	2.77B
Revenue Growth %	0.38%	0.49%	0.38%	0.15%	0.05%	-0.07%	0.01%	0.16%	0.63%	0.23%
Non-Interest Expense	183.15M	246.37M	321.64M	373.22M	393.69M	405.1M	430.27M	451.72M	529.56M	551.29M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	276.77M	424.36M	580.52M	554.06M	564.34M	376.18M	752.92M	721.53M	867M	931.29M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.6%	0.53%	0.37%	-0.05%	0.02%	-0.33%	1%	-0.04%	0.2%	0.07%
Pretax Income+	276.77M	424.36M	580.52M	554.06M	564.34M	376.18M	752.92M	721.53M	867M	931.29M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	94.45M	154.28M	158.59M	136.98M	138.43M	84.31M	173.89M	157.44M	176.16M	214.79M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	182.25M	269.98M	421.89M	417.11M	425.91M	291.9M	579M	564.14M	690.78M	716.46M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.54%	0.48%	0.56%	-0.01%	0.02%	-0.31%	0.98%	-0.03%	0.22%	0.04%
Net Income (Continuing)	182.31M	270.08M	421.94M	417.08M	425.91M	291.87M	579.03M	564.09M	690.84M	716.5M
EPS (Diluted)+	2.09	2.58	3.35	3.24	3.30	2.26	4.47	4.54	5.87	6.14
EPS Growth %	0.38%	0.23%	0.3%	-0.03%	0.02%	-0.32%	0.98%	0.02%	0.29%	0.05%
EPS (Basic)	2.10	2.59	3.36	3.24	3.30	2.26	4.49	4.55	5.89	6.16
Diluted Shares Outstanding	87.35M	104.7M	125.81M	128.74M	129.01M	129.44M	129.62M	120.7M	114.83M	114.02M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	90.99M	866.36M	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B	2.78B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	8.88B	15.96B	18.54B	19.88B	19.7B	22.32B	22.02B	24.06B	29.36B	32.34B
Investments Growth %	0.5%	0.8%	0.16%	0.07%	-0.01%	0.13%	-0.01%	0.09%	0.22%	0.1%
Long-Term Investments	8.27B	14.49B	15.95B	17.02B	17.42B	18.91B	18.11B	20.57B	26.12B	31.77B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	125.4M	660.1M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M	660.79M
Intangible Assets	26.94M	60.85M	48.25M	35.67M	23.75M	14.67M	8.27M	2.75M	0	0
PP&E (Net)	296.24M	504.09M	519.81M	567.19M	711.54M	738.84M	695.86M	678.4M	676.82M	739.11M
Other Assets	438.23M	788.64M	999.02M	873.84M	887.77M	947.86M	1.01B	1.09B	1.22B	1.56B
Total Current Assets	718.84M	2.39B	3.1B	3.23B	3.85B	5.89B	6.05B	4.65B	5.56B	3.52B
Total Non-Current Assets	9.16B	16.5B	18.18B	19.15B	19.71B	21.28B	20.48B	23.01B	28.67B	34.74B
Total Assets+	9.88B	18.89B	21.28B	22.39B	23.56B	27.16B	26.53B	27.66B	34.24B	38.26B
Asset Growth %	0.46%	0.91%	0.13%	0.05%	0.05%	0.15%	-0.02%	0.04%	0.24%	0.12%
Return on Assets (ROA)	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%	0.02%	0.02%	0.02%
Accounts Payable	52.17M	72.62M	186.16M	216.35M	221.79M	251.94M	186.84M	233.86M	0	0
Total Debt+	388.02M	447.77M	433.35M	459.89M	706.22M	1.1B	1.23B	1.08B	1.27B	883.04M
Net Debt	297.04M	-418.59M	-7.04M	169.22M	-789.54M	-1.29B	-824.23M	41.75M	-874.8M	-1.9B
Long-Term Debt	322.23M	382.66M	364.02M	439.33M	694.97M	1.1B	1.22B	1.08B	1.27B	883.04M
Short-Term Debt	65.8M	65.11M	69.33M	20.56M	11.25M	8.01M	6.12M	0	0	0
Other Liabilities	0	0	-186.16M	0	0	81.48M	65.49M	156.42M	417.61M	626.55M
Total Current Liabilities	8.09B	15.71B	17.63B	18.18B	18.71B	21.71B	20.4B	21.73B	27.41B	31.04B
Total Non-Current Liabilities	322.23M	382.66M	177.85M	439.33M	694.97M	1.18B	1.29B	1.23B	1.69B	1.51B
Total Liabilities	8.41B	16.1B	17.81B	18.61B	19.4B	22.89B	21.69B	22.97B	29.1B	32.55B
Total Equity+	1.47B	2.79B	3.46B	3.77B	4.15B	4.28B	4.84B	4.69B	5.14B	5.71B
Equity Growth %	0.61%	0.9%	0.24%	0.09%	0.1%	0.03%	0.13%	-0.03%	0.1%	0.11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.15%	0.13%	0.13%	0.12%	0.11%	0.07%	0.13%	0.12%	0.14%	0.13%
Book Value per Share	16.80	26.69	27.53	29.31	32.20	33.03	37.34	38.86	44.76	50.05
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	906K	1.21M	1.28M	1.29M	1.29M	1.29M	1.25M	1.17M	1.13M	1.14M
Additional Paid-in Capital	756M	1.9B	2.22B	2.24B	2.25B	2.27B	2.09B	1.75B	1.61B	1.63B
Retained Earnings	706.63M	914.43M	1.25B	1.57B	1.87B	1.95B	2.38B	2.77B	3.28B	3.82B
Accumulated OCI	7.96M	-25.92M	-12.71M	-34.1M	27.25M	58.25M	23.84M	-177.65M	-97.37M	-76.14M
Treasury Stock	-6.86M	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	338.98M	338.98M	338.98M	338.98M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	201.18M	241.93M	384.48M	705.31M	424.64M	551.95M	528.2M	764.95M	881.55M	834.47M
Operating CF Growth %	1.08%	0.2%	0.59%	0.83%	-0.4%	0.3%	-0.04%	0.45%	0.15%	-0.05%
Net Income	182.31M	270.08M	421.94M	417.08M	425.91M	291.87M	579.03M	564.09M	690.84M	716.5M
Depreciation & Amortization	17.46M	25.03M	34.07M	35.44M	42.51M	43.79M	43.13M	55.52M	63.8M	89.24M
Deferred Taxes	7.39M	12.7M	198.64M	33.06M	-100.9M	53.76M	-61.21M	63.83M	-52.93M	56.37M
Other Non-Cash Items	-56.25M	-69.19M	-47.3M	32.93M	-5.64M	184.09M	-60.72M	82.97M	150.94M	164.05M
Working Capital Changes	42.06M	-7.46M	-235.19M	172.67M	48.61M	-36.41M	11.96M	-14.66M	11.47M	-212.37M
Cash from Investing+	-1.33B	-2.28B	-2.63B	-1.53B	120.63M	-2.97B	140.21M	-2.43B	-5.53B	-3.25B
Purchase of Investments	-93.77M	-652.11M	-1.61B	-825.19M	0	-2.5B	-3.73B	-960.36M	-241.65M	-575.85M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	299.81M	203.69M	0	0	-28.04M	-106.22M	-156.22M	-74.31M	-92.19M	-25.38M
Other Investing	-1.89B	-1.97B	-1.47B	-1.11B	-401.48M	-1.7B	947.04M	-2.45B	-5.74B	-3.55B
Cash from Financing+	1.07B	2.82B	1.82B	671.43M	659.81M	3.32B	-1.01B	644.92M	5.77B	3.05B
Dividends Paid	-47.08M	-62.17M	-88.73M	-102.22M	-121.12M	-139.25M	-146.51M	-168.86M	-179.17M	-195.64M
Share Repurchases	-6.86M	-3.3M	0	-3.77M	-1.68M	-1.85M	-195.42M	-355.54M	-160.14M	-8.47M
Stock Issued	110M	0	299.72M	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	-1000K
Other Financing	1.01B	3.05B	1.63B	703.04M	527.91M	3.06B	-1.12B	1.32B	5.91B	3.64B
Net Change in Cash+	-59.22M	775.37M	-425.97M	-149.72M	1.21B	897.9M	-339.83M	-1.02B	1.12B	631.57M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	150.2M	90.99M	866.36M	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B
Cash at End	90.99M	866.36M	440.39M	290.67M	1.5B	2.39B	2.05B	1.03B	2.15B	2.78B
Interest Paid	0	0	0	0	0	0	0	113.57M	665.21M	1.11B
Income Taxes Paid	0	0	0	0	0	0	0	69.99M	213.78M	175.64M
Free Cash Flow+	184.37M	196.76M	345.62M	618.56M	325.95M	502.34M	494.28M	735.09M	852.41M	738.85M
FCF Growth %	1.34%	0.07%	0.76%	0.79%	-0.47%	0.54%	-0.02%	0.49%	0.16%	-0.13%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	15.32%	12.67%	13.48%	11.53%	10.75%	6.93%	12.7%	11.84%	14.05%	13.21%
Return on Assets (ROA)	2.19%	1.88%	2.1%	1.91%	1.85%	1.15%	2.16%	2.08%	2.23%	1.98%
Net Interest Margin	3.87%	3.18%	3.84%	3.98%	3.75%	3.27%	3.73%	4.13%	4.2%	4.01%
Efficiency Ratio	36.13%	32.61%	30.77%	31.07%	31.18%	34.42%	36.25%	32.72%	23.53%	19.87%
Equity / Assets	14.86%	14.8%	16.28%	16.85%	17.63%	15.74%	18.24%	16.96%	15.01%	14.91%
Book Value / Share	16.8	26.69	27.53	29.31	32.2	33.03	37.34	38.86	44.76	50.05
NII Growth	41.28%	57.4%	35.9%	9.05%	-0.81%	0.5%	11.38%	15.41%	26.02%	6.55%
Dividend Payout	25.83%	23.03%	21.03%	24.51%	28.44%	47.71%	25.3%	26.99%	23.59%	25.05%

Frequently Asked Questions

Valuation & Price

Bank OZK (OZK) has a price-to-earnings (P/E) ratio of 7.9x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Bank OZK (OZK) grew revenue by 23.2% over the past year. This is strong growth.

Yes, Bank OZK (OZK) is profitable, generating $721.7M in net income for fiscal year 2024 (25.8% net margin).

Dividend & Returns

Yes, Bank OZK (OZK) pays a dividend with a yield of 3.24%. This makes it attractive for income-focused investors.

Bank OZK (OZK) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.

Industry Metrics

Bank OZK (OZK) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.

Bank OZK (OZK) has an efficiency ratio of 19.9%. This is excellent, indicating strong cost control.

US Stock Screener

...