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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Market cap: $5.0B
P/E: 7.6×
Fwd P/E: 8.3×
Dividend yield: 4.12%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.99%

Capital & Financial Ratios $m

Market Cap 5,000.00

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 7.60

Fwd P/E 8.29

P/S ratio 1.84

P/B ratio 0.86

Past 5Y EPS Growth 22.29%

This Y EPS Growth (6.25%)

Next Y EPS Growth 4.55%

Next Y revenue growth (38.34%)

Next 5Y EPS Growth 3.45%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 20.16%

10-year low 10-year high

P/S against its own 10 years 7.19%

10-year low 10-year high

P/B against its own 10 years 9.88%

10-year low 10-year high

Dividends

Payout Ratio 0.31

Annual Dividend Rate 1.90

Annual Dividend Yield 4.12%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.90	0.46 0.47 0.48 0.49
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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	54.92	56.86	53.70	34.34	31.70	48.16	51.39	52.36	51.50	53.66
People
People	Employees	2,315	2,400	2,563	2,774	2,652	2,542	2,646	2,744	3,028	2,744
	Revenue/emp, $m	0.33	0.44	0.47	0.46	0.45	0.47	0.52	0.82	0.92	1.02
Income, $m
Income, $m	Revenue	765	1,056	1,209	1,270	1,185	1,187	1,381	2,251	2,774	2,806
	Gross margin, %	92.02	89.10	82.68	78.08	83.79	93.13	91.03	69.40	59.77	61.58
	EBT	424	581	554	564	376	753	722	867	931	934
	EBT margin, %	55.47	54.95	45.84	44.43	31.73	63.44	52.26	38.52	33.57	33.30
	Net income	270	422	417	426	292	579	564	691	717	715
	Depreciation	32	(29)	58	60	75	103	88	84	104	126
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
	Earnings	2.59	3.36	3.24	3.30	2.26	4.49	4.55	5.88	6.16	6.20
	Cash flow	2.32	3.06	5.48	3.29	4.27	4.09	6.36	7.70	7.34	7.43
	Capex	(0.43)	(0.31)	(0.67)	(0.77)	(0.38)	(0.26)	(0.25)	(0.25)	(0.84)	(0.94)
	Free cash flow	1.88	2.75	4.81	2.53	3.88	3.83	6.11	7.45	6.50	6.49
	Book value	26.77	27.61	29.34	32.22	33.06	37.50	39.00	44.91	50.22	54.36
	Shares, m	104	125	129	129	129	129	120	114	114	113
Valuation, ×
Valuation, ×	P/E	20.75	14.44	7.05	9.22	13.90	10.36	8.62	8.43	7.22	7.41
	P/S	7.22	5.75	2.43	3.10	3.41	5.06	3.42	2.53	1.82	1.85
	P/B	1.98	1.75	0.78	0.95	0.95	1.33	1.09	1.19	0.94	0.90
	EV/Sales	6.59	5.67	2.55	2.47	2.32	4.35	3.45	2.14	1.14	1.00
	EV/FCF	25.62	17.35	4.99	9.61	5.47	10.44	6.48	5.65	4.28	3.85
Cash, $m
Cash, $m	Operating cash flow	242	384	705	425	552	528	765	882	834	838
	Capex	(45)	(39)	(87)	(99)	(50)	(34)	(30)	(29)	(96)	(106)
	Free cash flow	197	346	619	326	502	494	735	852	739	732
Balance, $m
Balance, $m	Working capital	(308)	(994)	(787)	287	(315)	(154)	3	778	943	811
	Total debt	383	364	439	695	1,095	1,223	1,075	1,275	883	464
	Net debt	(484)	(76)	149	(801)	(1,298)	(845)	33	(875)	(1,898)	(2,370)
	Shareholders’ equity	2,795	3,464	3,773	4,153	4,275	4,839	4,691	5,140	5,706	6,130
Returns, %
Returns, %	ROA	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
	ROE	12.67	13.48	11.53	10.75	6.93	13.20	12.37	14.74	13.77	12.53

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AUB Atlantic Union Bankshares Corporation	$5.5B	11.4×	10.0×	−2.50% (below 0%: shrinking)	+825.00% (above 0%: growing)	−92.37% (below 0%: shrinking)	71.98%	0.00%	Compare
ASB Associated Banc-Corp	$5.5B	10.1×	9.8×	+14.89% (above 0%: growing)	−3.03% (below 0%: shrinking)	+48.78% (above 0%: growing)	64.01%	0.00%	Compare
ABCB Ameris Bancorp	$5.4B	14.4×	12.7×	+5.42% (above 0%: growing)	−51.88% (below 0%: shrinking)	+31.88% (above 0%: growing)	74.25%	0.00%	Compare
OZK Bank OZK	$5.0B	7.6×	8.3×	−3.82% (below 0%: shrinking)	−6.29% (below 0%: shrinking)	+47.62% (above 0%: growing)	63.91%	0.00%
AX AXOS FINANCIAL, INC	$5.0B	10.2×	9.1×	+15.98% (above 0%: growing)	+12.24% (above 0%: growing)	+22.36% (above 0%: growing)	67.69%	0.00%	Compare
EBC Eastern Bankshares, Inc.	$4.8B	12.1×	11.3×	+26.48% (above 0%: growing)	−4.00% (below 0%: shrinking)	+25.53% (above 0%: growing)	75.96%	0.00%	Compare
GGAL Grupo Financiero Galicia S.A.	$4.8B	18.2×	—	−91.05% (below 0%: shrinking)	−75.31% (below 0%: shrinking)	−347.48% (below 0%: shrinking)	100.00%	0.00%	Compare
FLG Flagstar Bank, National Association	$4.7B	369×	30.5×	−13.77% (below 0%: shrinking)	n/m	−42.53% (below 0%: shrinking)	49.05%	0.00%	Compare
TFSL TFS Financial Corporation	$4.6B	45.4×	49.0×	+5.82% (above 0%: growing)	+37.50% (above 0%: growing)	+16.04% (above 0%: growing)	42.51%	0.00%	Compare
Median of peers	$4.9B	13.2×	11.3×	+5.62%	−3.03%	+19.20%	69.84%	0.00%

All 323 Banks Regional stocks →

Bank OZK (OZK) key facts

Strength: Bank OZK’s revenue for fiscal 2025 (year ended December 2025) was $2.8 billion, up 1.15% from fiscal 2024.
Bank OZK (OZK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
Net income was $715.5 million, or $6.20 per share (basic), a net margin of 24.9%.
As of October 16, 2026, OZK traded at $46.12, a market capitalization of $5.0 billion.
At that price the stock trades at 7.6× trailing-twelve-month earnings and 1.8× sales; its P/E is higher than 20% of its own readings over the past ten years.
Bank OZK pays an annual dividend of $1.90 per share, a yield of 4.12%, with a payout ratio of 31.4%.
Return on equity was 12.5% and debt-to-equity 0.07.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.