Pricing Log in Create free account
Friday 6 November 2026 Export OZK’s income statement to Excel — free account

Bank OZK

OZK Financial Banks Regional

Bank OZK’s revenue for fiscal 2025 (year ended December 2025) was $2.8 billion, up 1.15% from fiscal 2024.

Revenue
−5.02%
EPS
−6.25%
Free cash flow
+47.6%
Total debt
+58.9%

Quarter to September 2026, against a year earlier

50.73 0.36 −0.70%
Market cap
$5.6B
P/E
8.5×
Fwd P/E
8.6×
Dividend yield
3.75%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.37%

Capital & Financial Ratios $m

Size
Market Cap 5,580.00
Revenue ttm 2,733.44
Net income ttm 691.22
Free cash flow ttm 762.42
Net debt Q 62.61
Valuation
P/E 8.50
Forward P/E 8.56
Price / sales 2.03
Forward P/S Powerpack
Price / FCF 7.29
Price / book 0.96
Financial health
Current ratio Q 0.98
Debt / equity Q 0.20
Interest coverage Q —
Growth
Revenue growth Q −5.02% (below 0%: shrinking)
Operating income growth Q −11.82% (below 0%: shrinking)
EPS, this year −4.16% (below 0%: weak)
EPS, next year A +2.31%
Revenue, next year A −37.88% (below 0%: weak)
EPS, past 5 yrs +22.29% (at or above 15%: strong)
EPS, next 5 yrs A +3.28%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.33%
10-year low 10-year high
P/S against its own 10 years 19.65%
10-year low 10-year high
P/B against its own 10 years 31.67%
10-year low 10-year high

Dividends raised every year since 2018

Yield
3.75%
Annual rate
1.90
Payout ratio
31.9%
Growth, 2018–26
+11.5%/yr
  1. 0.80 ’18
  2. 0.94 ’19 +18
  3. 1.08 ’20 +15
  4. 1.13 ’21 +5
  5. 1.26 ’22 +11
  6. 1.42 ’23 +13
  7. 1.58 ’24 +11
  8. 1.74 ’25 +10
  9. 1.90 ’26 +9
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,150 2,781 2,834 1,151
Receivables — — — —
Inventory — — — —
Other — — — —
28,439 32,458 34,847 35,008
2023 2024 2025 Q'26
Payables 27,405 31,043 33,385 34,828
ST’ Debt — — — —
Other — — — —
27,661 31,516 34,036 35,676

Compound Annual Growth %

10y 5y 3y
Sales 18.48% 18.81% 26.67%
Cash Flow 15.33% 8.70% 3.08%
Earnings 14.39% 19.09% 8.50%
Book Value 15.37% 7.47% 9.33%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 1.45 Actual 1.50

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 1.56 1.53 Miss by 0.03
Mar 2026 1.46 1.44 Miss by 0.02
Jun 2026 1.46 1.49 Beat by 0.03
Sep 2026 1.45 1.50 Beat by 0.05
Dec 2026 1.50 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.44 1.49 1.50 — —
’25 1.47 1.58 1.59 1.53 6.18
’24 1.51 1.52 1.55 1.56 6.14
’23 1.41 1.47 1.49 1.50 5.87
’22 1.02 1.10 1.08 1.34 4.54
’21 1.14 1.16 1.00 1.17 4.47
’20 0.09 0.39 0.84 0.93 2.26
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 662 673 694 — —
’25 670 700 731 705 2,806
’24 666 697 716 696 2,774
’23 477 540 591 643 2,251
’22 294 308 352 426 1,381
’21 296 292 289 310 1,187
’20 300 289 295 302 1,185
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 239 205 — — —
’25 269 147 215 206 838
’24 240 164 277 154 834
’23 253 155 271 202 882
’22 190 160 241 173 765
’21 158 105 113 152 528
’20 102 153 140 157 552
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 212 189 — — —
’25 242 128 186 175 732
’24 224 135 258 121 739
’23 247 152 267 187 852
’22 181 156 231 167 735
’21 152 91 110 142 494
’20 85 137 131 149 502
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 765 1,056 1,209 1,270 1,185 1,187 1,381 2,251 2,774 2,806 2,733 +15.5% 1,743 1,826 1,971 (11.1%)
Gross margin, % 92.02 89.10 82.68 78.08 83.79 93.13 91.03 69.40 59.77 61.58 63.22 (30.4) pt
EBT 424 581 554 564 376 753 722 867 931 934 867 +9.2%
EBT margin, % 55.47 54.95 45.84 44.43 31.73 63.44 52.26 38.52 33.57 33.30 31.74 (22.2) pt
Net income 270 422 417 426 292 579 564 691 717 715 691 +11.4%
Per share, $
Per share, $ Revenue 7.33 8.42 9.40 9.85 9.17 9.20 11.48 19.66 24.41 24.88 24.95 +14.6%
Earnings 2.59 3.36 3.24 3.30 2.26 4.49 4.55 5.88 6.16 6.20 5.97 +10.2%
Cash flow 2.32 3.06 5.48 3.29 4.27 4.09 6.36 7.70 7.34 7.43 0.00 +13.8%
Capex (0.43) (0.31) (0.67) (0.77) (0.38) (0.26) (0.25) (0.25) (0.84) (0.94) 0.00 +9.0%
Free cash flow 1.88 2.75 4.81 2.53 3.88 3.83 6.11 7.45 6.50 6.49 0.00 +14.7%
Book value 26.77 27.61 29.34 32.22 33.06 37.50 39.00 44.91 50.22 54.36 56.11 +8.2%
Shares, m 104 125 129 129 129 129 120 114 114 113 111 +0.9%
Valuation, ×
Valuation, × P/E 20.75 14.44 7.05 9.22 13.90 10.36 8.62 8.43 7.22 7.41 8.50 10.7
P/S 7.22 5.75 2.43 3.10 3.41 5.06 3.42 2.53 1.82 1.85 2.03 3.7
P/B 1.98 1.75 0.78 0.95 0.95 1.33 1.09 1.19 0.94 0.90 0.96 1.2
EV/Sales 6.59 5.67 2.55 2.47 2.32 4.35 3.45 2.14 1.14 1.00 — 3.2
EV/FCF 25.62 17.35 4.99 9.61 5.47 10.44 6.48 5.65 4.28 3.85 — 9.4
Cash, $m
Cash, $m Operating cash flow 242 384 705 425 552 528 765 882 834 838 866 +14.8%
Capex (45) (39) (87) (99) (50) (34) (30) (29) (96) (106) (103) +9.9%
Free cash flow 197 346 619 326 502 494 735 852 739 732 762 +15.7%
Balance, $m
Balance, $m Working capital (308) (994) (787) 287 (315) (154) 3 778 943 811 (668) n/m
Net debt (484) (76) 149 (801) (1,298) (845) 33 (875) (1,898) (2,370) 63 +19.3%
Shareholders’ equity 2,795 3,464 3,773 4,153 4,275 4,839 4,691 5,140 5,706 6,130 6,148 +9.1%
Returns, %
Returns, % ROA 1.88 2.10 1.91 1.85 1.15 2.16 2.02 2.18 1.93 1.77 1.55 (0.1) pt
ROIC 11.48 10.71 8.83 10.52 7.90 11.78 9.55 12.70 15.28 15.53 8.73 +4.1 pt
ROE 12.67 13.48 11.53 10.75 6.93 13.20 12.37 14.74 13.77 12.53 11.40 (0.1) pt
People
People Employees 2,315 2,400 2,563 2,774 2,652 2,542 2,646 2,744 3,028 2,744 — +1.9%
Revenue/emp, $m 0.33 0.44 0.47 0.46 0.45 0.47 0.52 0.82 0.92 1.02 — +13.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Bank OZK vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.4× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.6B 13.6× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
OZK Bank OZK $5.6B 8.5× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00%
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.2× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
AX AXOS FINANCIAL, INC $5.2B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00% Compare
EBC Eastern Bankshares, Inc. $5.2B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00% Compare
Median of peers $5.5B 12.7× 11.9× +10.26% +8.87% +28.71% 73.88% 0.00%

All 327 Banks Regional stocks →

Bank OZK (OZK) Latest News

26 Oct

Impact 3 · · bisnow.com

22 Oct

Impact 4 · · credaily.com
Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · bisnow.com
Impact 4 · · americanbanker.com
Impact 4 · · MarketBeat
Impact 4 · · Moby transcript

20 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks earnings
Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire earnings

19 Oct

Impact 3 · · 24/7 Wall St.

14 Oct

Impact 3 · · The Real Deal

13 Oct

Impact 3 · · Zacks

8 Oct

Impact 3 · · credaily.com

7 Oct

Impact 4 · · bisnow.com
Impact 3 · · Simply Wall St.

6 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · Business Wire

3 Oct

Impact 3 · · Simply Wall St.

1 Oct

Impact 3 ·

24 Jul

Impact 3 · · credaily.com

22 Jul

Impact 3 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

21 Jul

Impact 3 ·

30 Jun

Impact 3 ·

29 Jun

Impact 3 ·

15 Jun

Impact 4 ·

23 Apr

Impact 4 · · MarketBeat

OZK metrics, ten years each

stockrow.com/OZK · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com