Bank OZK(OZK)Earnings, Financials & Key Ratios
OZK•NASDAQ•Banking & Credit
$49.13
$5.42B mkt cap·8.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-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%
- Tangible BV/Share48.80+10.3%
- Debt/Equity0.08-51.1%
OZK Key Insights
Bank OZK (OZK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Dividend Aristocrat: 28 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.
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
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 21, 2026EPS
$1.44
Est $1.46
-1.4%
Revenue
$422M
Est $423M
-0.2%
Q1 2026
Jan 20, 2026EPS
$1.53
Est $1.56
-1.9%
Revenue
$445M
Est $435M
+2.3%
Q4 2025
Oct 16, 2025EPS
$1.59
Est $1.65
-3.6%
Revenue
$450M
Est $447M
+0.6%
Q3 2025
Jul 17, 2025EPS
$1.58
Est $1.51
+4.6%
Revenue
$428M
Est $447M
-4.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $1.44vs $1.46-1.4% | $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 →
OZK Peer Comparison
Bank OZK (OZK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 IBOC | 4.51B | 72.56 | 10.96 | 1.03% | 13.41% | 0.22 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 UMBF | 10.2B | 133.96 | 14.67 | 68.52% | 11.67% | 0.49 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 EWBC | 17.23B | 125.22 | 13.15 | 4.63% | 15.77% | 0.36 | ||
 BANR | 2.24B | 66.23 | 11.74 | -0.95% | 10.34% | 0.19 |
Compare OZK vs Peers
Bank OZK (OZK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OZK Income Statement
Bank OZK (OZK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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
| Line item | 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
| Line item | 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 3.57%. 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.
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Bank OZK (OZK) financial analysis — history, returns, DCA and operating performance tools
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