Saturday 17 October 2026
Export OZK’s income statement to Excel — free account
Bank OZK
Bank OZK’s revenue for fiscal 2025 (year ended December 2025) was $2.8 billion, up 1.15% from fiscal 2024. In the quarter to June 2026, revenue fell 3.82%, EPS fell 6.29%, free cash flow grew 47.6% and total debt fell 63.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.
46.12
0.28
+0.61%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.75 | 14.44 | 7.05 | 9.22 | 13.90 | 10.36 | 8.62 | 8.43 | 7.22 | 7.41 |
Piotroski F-Score |
3 | 4 | 5 | 3 | 4 | 6 | 7 | 7 | 7 | 6 |
P/S ratio |
7.22 | 5.75 | 2.43 | 3.10 | 3.41 | 5.06 | 3.42 | 2.53 | 1.82 | 1.85 |
P/FCF ratio |
28.08 | 17.57 | 4.75 | 12.07 | 8.05 | 12.15 | 6.43 | 6.68 | 6.85 | 7.09 |
P/Operating CF |
67.63 | 63.36 | 8.43 | 42.45 | 25.69 | 39.44 | 27.25 | 28.15 | 32.94 | 25.14 |
P/B ratio |
1.98 | 1.75 | 0.78 | 0.95 | 0.95 | 1.33 | 1.09 | 1.19 | 0.94 | 0.90 |
Price to Tangible BV |
2.66 | 2.20 | 0.95 | 1.13 | 1.12 | 1.57 | 1.28 | 1.38 | 1.08 | 1.01 |
EV/Sales |
6.59 | 5.67 | 2.55 | 2.47 | 2.32 | 4.35 | 3.45 | 2.14 | 1.14 | 1.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
20.84 | 15.59 | 4.37 | 7.38 | 4.97 | 9.77 | 6.22 | 5.47 | 3.79 | 3.37 |
EV/FCF |
25.62 | 17.35 | 4.99 | 9.61 | 5.47 | 10.44 | 6.48 | 5.65 | 4.28 | 3.85 |
Quick Ratio |
0.06 | 0.03 | 0.02 | 0.08 | 0.11 | 0.10 | 0.05 | 0.08 | 0.09 | 0.08 |
Current Ratio |
0.98 | 0.94 | 0.96 | 1.02 | 0.99 | 0.99 | 1.00 | 1.03 | 1.03 | 1.02 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.03% | 1.71% | 1.96% | 2.95% | 4.03% | 4.61% | 3.89% | 3.72% | 2.31% | 1.14% |
Debt/Equity |
0.14 | 0.11 | 0.12 | 0.17 | 0.26 | 0.25 | 0.23 | 0.25 | 0.15 | 0.08 |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.07 | 0.08 | 0.07 |
Operating CF/Net income |
0.90 | 0.91 | 1.69 | 1.00 | 1.89 | 0.91 | 1.40 | 1.31 | 1.19 | 1.20 |
Capex/Depreciation |
(1.43) | 1.36 | (1.51) | (1.64) | (0.67) | (0.33) | (0.34) | (0.35) | (0.92) | (0.84) |
| 12.67% | 13.48% | 11.53% | 10.75% | 6.93% | 13.20% | 12.37% | 14.74% | 13.77% | 12.53% | |
| 1.88% | 2.10% | 1.91% | 1.85% | 1.15% | 2.16% | 2.02% | 2.18% | 1.93% | 1.77% | |
ROIC |
11.48% | 10.71% | 8.83% | 10.52% | 7.90% | 11.78% | 9.55% | 12.70% | 15.28% | 15.53% |
Return on Tangible Assets |
137.52% | (88.98%) | (189.64%) | 42.64% | 68.91% | 106.80% | 80.31% | 46.36% | 41.64% | 40.35% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
36.54% | 34.15% | 36.83% | 33.65% | 52.05% | 29.69% | 38.77% | 30.88% | 26.20% | 28.28% |
Intangible Assets out of Total Assets |
0.04 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
1.41% | 1.17% | 1.17% | 1.12% | 1.25% | 1.35% | 0.96% | 0.77% | 0.75% | 0.82% |
Graham Net Nets |
(0.12) | (0.22) | (0.42) | (0.10) | (0.37) | (0.24) | (0.26) | (0.12) | (0.02) | 0.04 |
Graham Number |
39.19 | 45.62 | 46.25 | 48.98 | 40.91 | 59.35 | 60.93 | 74.62 | 80.98 | 84.71 |
Earnings Yield |
4.82% | 6.92% | 14.19% | 10.85% | 7.20% | 9.65% | 11.60% | 11.86% | 13.86% | 13.49% |
Free Cash Flow Yield |
3.56% | 5.69% | 21.07% | 8.29% | 12.42% | 8.23% | 15.55% | 14.97% | 14.60% | 14.10% |
Revenue per Share |
7.33 | 8.42 | 9.40 | 9.85 | 9.17 | 9.20 | 11.48 | 19.66 | 24.41 | 24.88 |
Operating CF per Share |
2.32 | 3.06 | 5.48 | 3.29 | 4.27 | 4.09 | 6.36 | 7.70 | 7.34 | 7.43 |
Capex per Share |
(0.43) | (0.31) | (0.67) | (0.77) | (0.38) | (0.26) | (0.25) | (0.25) | (0.84) | (0.94) |
Free Cash Flow per Share |
1.88 | 2.75 | 4.81 | 2.53 | 3.88 | 3.83 | 6.11 | 7.45 | 6.50 | 6.49 |
Cash per Share |
8.30 | 3.51 | 2.26 | 11.60 | 18.51 | 16.03 | 8.67 | 18.78 | 24.48 | 25.13 |
Shareholders Equity per Share |
26.77 | 27.61 | 29.34 | 32.22 | 33.06 | 37.50 | 39.00 | 44.91 | 50.22 | 54.36 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
26.77 | 27.61 | 29.34 | 32.22 | 33.06 | 37.50 | 39.00 | 44.91 | 50.22 | 54.36 |
Free Cash Flow |
196.76 | 345.62 | 618.56 | 325.95 | 502.34 | 494.28 | 735.09 | 852.41 | 738.85 | 731.73 |
Working Capital |
(307.76) | (993.93) | (787.13) | 287.19 | (315.23) | (153.71) | 3.33 | 778.40 | 942.65 | 811.19 |
Capital Expenditures |
(45.17) | (38.86) | (86.75) | (98.69) | (49.61) | (33.92) | (29.85) | (29.14) | (95.62) | (106.00) |
Net Current Asset Value |
(690.42) | (1,357.95) | (1,226.46) | (407.78) | (1,492.16) | (1,448.81) | (1,228.29) | (658.16) | (94.21) | 191.48 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.04 | 0.07 | 0.08 | 0.04 | 0.03 | 0.02 | 0.01 | 0.03 | 0.04 |
Price to Operating Income |
13.02 | 10.46 | 5.30 | 6.97 | 10.75 | 7.98 | 6.55 | 6.57 | 5.43 | 5.55 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | (0.05) | 0.10 | 0.08 | 0.10 | 0.15 | 0.13 | 0.12 | 0.14 | 0.14 |
Cash ROIC |
4.87% | 8.10% | 13.74% | 5.14% | 6.47% | 6.08% | 10.80% | 9.95% | 7.88% | 7.76% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.00 | 0.01 | 0.03 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
93,117.63 | 54,489.32 | 31,269.94 | 24,224.40 | 40,744.71 | 90,410.63 | 63,375.63 | 14,524.54 | 10,154.31 | 11,304.26 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
11,773.17 | 16,383.62 | 17,565.38 | 18,206.34 | 19,962.31 | 20,829.75 | 20,854.64 | 24,452.64 | 29,224.11 | 32,214.02 |
Average Assets |
14,384.80 | 20,082.90 | 21,831.84 | 22,971.88 | 25,359.17 | 26,846.52 | 27,093.50 | 30,947.02 | 36,248.16 | 39,522.35 |
Average Common Equity |
2,131.33 | 3,129.33 | 3,618.58 | 3,963.42 | 4,214.41 | 4,387.87 | 4,426.17 | 4,576.48 | 5,084.10 | 5,579.04 |
Columns are period end dates