Bank OZK (OZK) Earnings History
Annual and quarterly earnings data from 1996 to 2025
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OZK EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OZK Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 55.4% | 33.3% | 25.5% |
| 2024 | 53.4% | 33.6% | 25.8% |
| 2023 | 62.0% | 38.5% | 30.7% |
| 2022 | 85.0% | 52.3% | 40.9% |
| 2021 | 99.7% | 63.4% | 48.8% |
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Bank OZK (OZK) Earnings Overview
As of May 8, 2026, Bank OZK (OZK) reported trailing twelve-month net income of $715M, reflecting +0.5% year-over-year growth. The company earned $6.38 per diluted share over the past four quarters, with a net profit margin of 25.5%.
Looking at the long-term picture, OZK's 5-year EPS compound annual growth rate (CAGR) stands at +22.2%, indicating exceptional earnings growth. The company achieved its highest annual net income of $716M in fiscal 2024.
Bank OZK maintains industry-leading profitability with a gross margin of 55.4%, operating margin of 33.3%, and net margin of 25.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including IBOC ($418M net income, 39.1% margin), SFNC (-$398M net income, -63.4% margin), HOMB ($458M net income, 27.7% margin), OZK has room to improve margins relative to the peer group. Compare OZK vs IBOC →
OZK Earnings vs Peers
Earnings metrics vs comparable public companies
OZK Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $715M | -0.1% | $934M | $6.17 | 25.5% | 33.3% |
| 2024 | $716M | +3.7% | $931M | $6.14 | 25.8% | 33.6% |
| 2023 | $691M | +22.4% | $867M | $5.87 | 30.7% | 38.5% |
| 2022 | $564M | -2.6% | $722M | $4.54 | 40.9% | 52.3% |
| 2021 | $579M | +98.4% | $753M | $4.47 | 48.8% | 63.4% |
| 2020 | $292M | -31.5% | $376M | $2.26 | 24.8% | 32.0% |
| 2019 | $426M | +2.1% | $564M | $3.30 | 33.7% | 44.7% |
| 2018 | $417M | -1.1% | $554M | $3.24 | 34.7% | 46.1% |
| 2017 | $422M | +56.3% | $581M | $3.35 | 40.4% | 55.5% |
| 2016 | $270M | +48.1% | $424M | $2.58 | 35.7% | 56.2% |
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Start ComparisonOZK — Frequently Asked Questions
Quick answers to the most common questions about buying OZK stock.
Is OZK growing earnings?
OZK EPS of $6.38 reflects slowing growth at +0.5%, below the 5-year CAGR of +22.2%. TTM net income is $715M. Expansion rate has moderated.
What are OZK's profit margins?
Bank OZK net margin is +25.5%, with operating margin at +33.3%. Above-average margins indicate pricing power.
How consistent are OZK's earnings?
OZK earnings data spans 1996-2025. The current earnings trend is +0.5% YoY. Historical data enables comparison across business cycles.