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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. 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%
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% (at or above 15%: strong)
This Y EPS Growth (6.25%) (below 0%: weak)
Next Y EPS Growth 4.55%
Next Y revenue growth (38.34%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Bank OZK (OZK) Latest News

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