Bank OZK (OZK) Earnings History
Elite Compounder30 years of earnings data (1996–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Bank OZK (OZK) Earnings Overview
As of September 23, 2026, Bank OZK (OZK) reported trailing twelve-month net income of $691M, reflecting +0.5% year-over-year growth. The company earned $6.30 per diluted share over the past four quarters, with a net profit margin of 41.4%.
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 90.0%, operating margin of 54.1%, and net margin of 41.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including IBOC ($413M net income, 39.1% margin), SFNC (-$361M net income, -63.4% margin), HOMB ($478M net income, 34.6% margin), OZK has outperformed on profitability metrics. 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 | 41.4% | 54.1% |
| 2024 | $716M | +3.7% | $931M | $6.14 | 43.2% | 56.2% |
| 2023 | $691M | +22.4% | $867M | $5.87 | 44.2% | 55.5% |
| 2022 | $564M | -2.6% | $722M | $4.54 | 44.9% | 57.4% |
| 2021 | $579M | +98.4% | $753M | $4.47 | 52.4% | 68.1% |
| 2020 | $292M | -31.5% | $376M | $2.26 | 29.6% | 38.2% |
| 2019 | $426M | +2.1% | $564M | $3.30 | 43.3% | 57.3% |
| 2018 | $417M | -1.1% | $554M | $3.24 | 42.1% | 55.9% |
| 2017 | $422M | +56.3% | $581M | $3.35 | 45.4% | 62.4% |
| 2016 | $270M | +48.1% | $424M | $2.58 | 38.9% | 61.1% |
| 2015 | $182M | +53.7% | $277M | $2.09 | 38.0% | 57.7% |
| 2014 | $119M | +30.0% | $172M | $1.52 | 34.3% | 49.9% |
| 2013 | $91M | +18.4% | $131M | $1.20 | 35.3% | 50.8% |
| 2012 | $77M | -24.0% | $111M | $1.10 | 33.8% | 48.7% |
| 2011 | $101M | +58.3% | $152M | $1.50 | 48.0% | 71.7% |
| 2010 | $64M | +48.5% | $91M | $0.94 | 41.5% | 58.8% |
| 2009 | $43M | +25.9% | $56M | $0.55 | 25.4% | 33.0% |
| 2008 | $34M | +7.9% | $45M | $0.51 | 29.0% | 37.8% |
| 2007 | $32M | +0.2% | $46M | $0.47 | 31.6% | 45.9% |
| 2006 | $32M | +0.6% | $45M | $0.47 | 33.7% | 48.0% |
| 2005 | $31M | +21.7% | $45M | $0.47 | 35.9% | 51.7% |
| 2004 | $26M | +28.1% | $38M | $0.39 | 32.8% | 48.1% |
| 2003 | $20M | +40.2% | $30M | $0.31 | 30.5% | 45.8% |
| 2002 | $14M | +60.8% | $23M | $0.23 | 28.0% | 44.5% |
| 2001 | $9M | +17.5% | $13M | $0.15 | 24.2% | 35.2% |
| 2000 | $8M | +3.1% | $10M | $0.10 | 26.1% | 34.0% |
| 1999 | $7M | +32.1% | $10M | $0.11 | 25.6% | 34.3% |
| 1998 | $6M | +24.4% | $8M | $0.09 | 23.9% | 35.0% |
| 1997 | $5M | +50.0% | $7M | $0.09 | 25.9% | 40.2% |
| 1996 | $3M | - | $5M | $0.07 | 21.9% | 36.5% |
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OZK — Frequently Asked Questions
Quick answers to the most common questions about buying OZK stock.
What is OZK earnings per share (EPS)?
OZK trailing twelve-month (TTM) diluted EPS is $6.30, reflecting +0.5% year-over-year growth. The 5-year EPS CAGR is +22.2%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Bank OZK's net income?
Bank OZK (OZK) trailing twelve-month net income is $691M as of 2025. Earnings grew +0.5% year-over-year. Bank OZK has been profitable for 30 consecutive years.
Is OZK profitable?
Yes, OZK is profitable with a TTM net income of $691M and a net profit margin of +41.4%. Bank OZK has generated profits for 30 consecutive years.
What is OZK's earnings growth rate?
OZK compound annual EPS growth rates (CAGR): 1-Year: +0.5%, 3-Year: +10.8%, 5-Year: +22.2%, 10-Year: +11.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are OZK's profit margins?
Bank OZK net profit margin is +41.4%, operating margin is +54.1%, and gross margin is +90.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.1%.
Is OZK growing earnings?
OZK earnings growth is slowing. Current YoY EPS growth of +0.5% trails the 5-year CAGR of +22.2%. TTM net income is $691M.
What was OZK's best earnings year?
Bank OZK's highest annual net income on record is $716M, achieved in fiscal year 2024. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were OZK's earnings last quarter?
OZK's most recent reported quarter was Q2 2026. Net income was $167M with diluted EPS of $1.49. For a full breakdown of all quarters, see the quarterly earnings table on this page.