Bank OZK OZK

46.89 0.29 0.62% as of 25 Sep
Market cap
$5.1B
P/E
7.7×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.99%

Capital & Financial Ratios

Market Cap 5,090.00
Revenue 2,770.16
Net Income 691.22
Free Cash Flow 762.42
Net Debt (1,090.39)
Current Ratio 0.97
Debt/Equity 0.07
P/E ratio 7.72
P/S ratio 1.87
P/B ratio 0.87
Past 5Y EPS Growth 13.22%
This Y EPS Growth (6.32%)
Next Y EPS Growth 4.10%
Next 5Y EPS Growth 3.40%
in millions of $

Dividends

Payout Ratio 0.25
Annual Dividend Rate 1.48
Annual Dividend Yield 3.56%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.90
0.46
0.47
0.48
2025 1.74
0.42
0.43
0.44
0.45
2024 1.58
0.38
0.39
0.40
0.41
2023 1.42
0.34
0.35
0.36
0.37
2022 1.26
0.30
0.31
0.32
0.33
2021 1.13
0.28
0.28
0.29
0.29
2020 1.08
0.26
0.27
0.27
0.28
2019 0.94
0.22
0.23
0.24
0.25
2018 0.80
0.19
0.20
0.20
0.21
2017 0.71
0.17
0.18
0.18
0.19
2016 0.63
0.15
0.16
0.16
0.17
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 2,150 2,781 2,834 1,554
Receivables — — — —
Inventory — — — —
Other — — — —
28,439 32,458 34,847 33,829
2023 2024 2025 Q'26
Payables 27,405 31,043 33,385 33,997
ST’ Debt — — — —
Other — — — —
27,661 31,516 34,036 34,805
in millions of $

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%

Revenue

Mar Jun Sep Dec Year
’26 662 673 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.44 1.49 — — —
’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

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
33.51 40.15 21.02 22.32 14.20 30.78 34.79 30.72 37.43 35.71

Analyst estimates 2026–2028

Powerpack
Low Price
54.92 56.86 53.70 34.34 31.70 48.16 51.39 52.36 51.50 53.66
High Price
2,315 2,400 2,563 2,774 2,652 2,542 2,646 2,744 3,028 2,744
Employees
0 0 0 0 0 0 1 1 1 1
Revenue/Emp
765 1,056 1,209 1,270 1,185 1,187 1,381 2,251 2,774 2,806
Revenue
92.02% 89.10% 82.68% 78.08% 83.79% 93.13% 91.03% 69.40% 59.77% 61.58%
Gross Margin
424 581 554 564 376 753 722 867 931 934
EBT
55.47% 54.95% 45.84% 44.43% 31.73% 63.44% 52.26% 38.52% 33.57% 33.30%
EBT Margin
270 422 417 426 292 579 564 691 717 715
Net Income
32 (29) 58 60 75 103 88 84 104 126
Depreciation
7.33 8.42 9.40 9.85 9.17 9.20 11.48 19.66 24.41 24.88
Revenue/Sh
2.59 3.36 3.24 3.30 2.26 4.49 4.55 5.88 6.16 6.20
Earnings/Sh
2.32 3.06 5.48 3.29 4.27 4.09 6.36 7.70 7.34 7.43
Cash Flow/Sh
(0.43) (0.31) (0.67) (0.77) (0.38) (0.26) (0.25) (0.25) (0.84) (0.94)
Capex/Sh
1.88 2.75 4.81 2.53 3.88 3.83 6.11 7.45 6.50 6.49
Free CF/Sh
26.77 27.61 29.34 32.22 33.06 37.50 39.00 44.91 50.22 54.36
Book Value/Sh
104 125 129 129 129 129 120 114 114 113
Shares
20.75 14.44 7.05 9.22 13.90 10.36 8.62 8.43 7.22 7.41
PE Ratio
7.22 5.75 2.43 3.10 3.41 5.06 3.42 2.53 1.82 1.85
PS Ratio
1.98 1.75 0.78 0.95 0.95 1.33 1.09 1.19 0.94 0.90
PB Ratio
6.59 5.67 2.55 2.47 2.32 4.35 3.45 2.14 1.14 1.00
EV/Sales
25.62 17.35 4.99 9.61 5.47 10.44 6.48 5.65 4.28 3.85
EV/FCF
242 384 705 425 552 528 765 882 834 838
Op' Cash Flow
(45) (39) (87) (99) (50) (34) (30) (29) (96) (106)
Capex
197 346 619 326 502 494 735 852 739 732
FCF
(308) (994) (787) 287 (315) (154) 3 778 943 811
Working Cap'
383 364 439 695 1,095 1,223 1,075 1,275 883 464
Total Debt
(484) (76) 149 (801) (1,298) (845) 33 (875) (1,898) (2,370)
Net Debt
2,795 3,464 3,773 4,153 4,275 4,839 4,691 5,140 5,706 6,130
Sh' Equity
1.88% 2.10% 1.91% 1.85% 1.15% 2.16% 2.02% 2.18% 1.93% 1.77%
ROA
11.48% 10.71% 8.83% 10.52% 7.90% 11.78% 9.55% 12.70% 15.28% 15.53%
ROIC
12.67% 13.48% 11.53% 10.75% 6.93% 13.20% 12.37% 14.74% 13.77% 12.53%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Bank OZK (OZK) key facts

  • Bank OZK (OZK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Bank OZK’s revenue for fiscal 2025 (year ended December 2025) was $2.8 billion, up 1.15% from fiscal 2024.
  • Net income was $715.5 million, or $6.20 per share (basic), a net margin of 24.9%.
  • As of September 25, 2026, OZK traded at $46.89, a market capitalization of $5.1 billion.
  • At that price the stock trades at 7.7× trailing-twelve-month earnings and 1.9× sales.
  • Bank OZK pays an annual dividend of $1.48 per share, a yield of 3.56%, with a payout ratio of 25.3%.
  • Return on equity was 12.5% and debt-to-equity 0.07.

Source: company filings (standardised) and stockrow calculations.

Bank OZK (OZK) Latest News

News by impact score

Fine-tune

24 Jul

3

Bank OZK reduces real estate exposure while peers increase lending in the sector. Bank OZK's reduction in real estate exposure signals a strategic shift likely to moderately influence its risk profile and performance versus peers.

22 Jul

3 transcript

Bank OZK reported strong Commercial and Industrial Banking growth in its Q2 2026 earnings call while executing strategic share buybacks. Earnings highlights on CIB growth and buybacks signal moderate positive effects on near-term performance and sentiment without major strategic shifts.

3 transcript

Bank OZK held its Q2 earnings call, covering quarterly financial results, loan growth, net interest margin, credit quality metrics, and management outlook on deposit trends and expansion plans. Q2 results and forward guidance can move near-term stock sentiment and valuation but rarely alter the bank's long-term trajectory.

3 transcript

Bank OZK Q2 2026 earnings call covered quarterly financial results, loan growth, net interest margin trends, credit quality metrics, and management guidance on future performance. Quarterly earnings updates supply fresh financial data that can shift near-term sentiment without altering the bank's long-term trajectory.

21 Jul

3

Bank OZK announced its second quarter 2026 earnings results. Quarterly earnings releases deliver core financial metrics that can shift near-term stock valuation and sentiment.

30 Jun

3

Bank OZK launches $200 million share repurchase program to reward shareholders. $200 million buyback signals management confidence and offers moderate near-term support to shares without altering long-term strategy.

29 Jun

3

Bank OZK announces $200 million stock repurchase program. $200 million buyback signals capital return to shareholders and can lift near-term stock price support.

15 Jun

4

Bank OZK is positioned as a financial bellwether funding a breakout with potential strong growth implications for its operations and market standing. Bank OZK breakout as bellwether indicates major strategic moves likely to significantly alter trajectory and investor sentiment.

23 Apr

4

Bank OZK Q1 earnings call highlights key financial results, loan growth, deposit increases, net interest margin stability, and optimistic outlook amid economic conditions. Q1 earnings highlights disclose financial metrics and guidance significantly shaping investor expectations and stock performance.

4

Bank OZK's Q1 2026 earnings call highlights strategic growth amidst competitive challenges. Strategic growth in Q1 2026 earnings call despite competitive challenges indicates significant positive trajectory shift for future performance and investor sentiment.

22 Apr

4 transcript

Bank OZK released the Q1 2026 earnings call transcript detailing financial results, performance highlights, and forward guidance. Quarterly earnings transcripts disclose key financial metrics and strategic outlook, significantly shaping investor expectations and stock trajectory.

4

Bank OZK's Q1 2026 earnings call summary covers quarterly financial results, strategic updates, and forward-looking guidance for the regional bank. Quarterly earnings call summaries reveal financial health, loan growth, and deposit trends that significantly shape investor expectations and stock performance.

3

Bank OZK's Q1 earnings missed estimates, with expenses and provisions rising year-over-year. Earnings miss due to higher expenses and provisions moderately impacts financial performance and market sentiment.

21 Apr

4

Bank OZK (OZK) reported Q1 earnings, highlighting key metrics on financial performance. Q1 earnings reports significantly impact Bank OZK's stock price and investor perceptions of future growth.

4

Bank OZK announced first quarter 2026 earnings. Quarterly earnings announcements provide critical financial data that significantly influences stock performance and investor outlook.

3

Bank OZK missed Q1 earnings per share estimates at $1.25 versus $1.48 expected and revenue of $368.7 million against $396.4 million forecast. Q1 earnings and revenue misses highlight weaker financial performance, likely causing short-term market pressure but not fundamentally altering long-term trajectory.

3

Bank OZK (OZK) is well-positioned to tackle near-term risks. Bank OZK's strong positioning against near-term risks is expected to moderately influence financial performance and investor sentiment.

14 Apr

3

Analysts forecast Bank OZK to report declining earnings in upcoming results, urging focus on key metrics amid potential challenges. Forecasted earnings decline signals moderate pressure on financial performance and stock sentiment.

1 Apr

4

Bank OZK increases its quarterly common stock dividend and announces a preferred stock dividend. Dividend increase signals financial strength and enhances investor confidence, likely boosting stock performance.

3 Mar

3

Bank OZK's strong capital base prompts questions on sustaining returns amid solid fundamentals and strategic positioning. Robust capital supports returns but sustainability faces scrutiny from market dynamics.

1 Mar

3

Bank OZK (OZK) stock pricing faces scrutiny for potentially failing to account for recent regional banking sector volatility. Regional banking volatility moderately influences OZK's financial performance and investor sentiment.

9 Feb

4

Bank OZK is highlighted for its investment strategy focusing on yield, particularly through its acquisition of Dime Community Bancshares (DCOM), which is expected to enhance its dividend offerings and overall financial performance. The acquisition of Dime Community Bancshares is a significant strategic move that could enhance Bank OZK's market position and investor sentiment.

5 Feb

3

Bank OZK (OZK) experienced a decline in stock value due to a lukewarm yearly outlook, which raised concerns among investors about the bank's future performance. The outlook suggests potential challenges ahead, impacting market sentiment and confidence in the bank's growth trajectory. The tepid yearly outlook may moderately influence investor sentiment and financial performance.

3 Feb

3

Bank OZK is highlighted as a top dividend stock for February 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The bank's consistent dividend payments and growth potential make it an attractive option for income-focused investors. Analysts emphasize the importance of evaluating dividend sustainability and overall market conditions when considering investments in dividend stocks. The focus on Bank OZK as a dividend stock indicates a moderately noticeable influence on its market performance and investor sentiment.

30 Jan

4

Bank OZK reported a 3.3% increase in stock value following its Q4 earnings release, which exceeded expectations due to higher net interest income (NII) and increased fee income. The positive financial results indicate strong operational performance and may enhance investor confidence in the bank's future prospects. Higher net interest income and fee income are significant indicators of improved financial health and operational efficiency.

23 Jan

3

Bank OZK's recent share performance has been mixed, prompting an assessment of its valuation. Analysts are evaluating the bank's financial health and market position in light of recent developments. The bank's strategies and market conditions are under scrutiny as investors seek clarity on future performance. Mixed short-term share performance may affect investor sentiment and financial performance.

22 Jan

4 transcript

Bank OZK reported its Q4 2025 earnings, highlighting strong financial performance driven by increased loan demand and effective cost management. The bank's net income rose significantly compared to the previous quarter, with improvements in asset quality and a stable capital position. Management provided an optimistic outlook for 2026, emphasizing continued growth strategies and potential expansion into new markets. Key metrics such as return on equity and net interest margin showed positive trends, reinforcing investor confidence. Strong financial performance and strategic growth plans indicate significant potential impact on future performance.

4 transcript

Bank OZK reported its Q1 2025 earnings, showcasing strong financial performance with significant growth in net income and assets. The bank highlighted its strategic initiatives, including expansion into new markets and enhanced digital banking services. Management expressed confidence in maintaining momentum and addressing potential economic challenges. Overall, the earnings call reflected a positive outlook for the bank's future operations and profitability. Strong financial performance and strategic initiatives indicate significant potential for future growth and market positioning.

4 transcript

Bank OZK reported its Q2 2025 earnings, highlighting a significant increase in net income and improved loan growth. The bank's focus on strategic lending and cost management contributed to its strong performance. Management expressed optimism about future growth prospects and plans to expand its market presence. Additionally, the bank's asset quality remained stable, with low levels of non-performing loans. Overall, the earnings call reflected a positive outlook for Bank OZK amidst a competitive banking environment. Strong earnings growth and strategic plans indicate significant potential for future performance.

4 transcript

Bank OZK reported its Q3 2025 earnings, highlighting a strong performance driven by increased loan demand and improved asset quality. The bank's net income rose significantly compared to the previous year, supported by strategic growth initiatives and effective cost management. Management expressed optimism about future growth prospects and outlined plans for expanding its market presence. Key metrics showed positive trends, including a rise in deposits and a stable net interest margin, indicating a solid financial foundation moving forward. Strong earnings growth and strategic initiatives indicate significant future impact on performance.

stockrow.com/OZK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com