Bank OZK

Bank OZK

OZK
Bank OZKUS flagNASDAQ Global Select
52.10
USD
+0.47
- -
5.69BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.59
4.46
5.52
6.66
7.41
7.71
7.63
7.62
8.56
10.45
13.65
14.59
15.32
15.5
Basic EPS, GAAP
1.27
1.53
2.1
2.59
3.36
3.24
3.3
2.26
4.49
4.55
5.89
6.16
6.2
6.16
Free Cash Flow per Basic Share
0.68
1.02
2.12
1.89
2.75
4.81
2.53
3.88
3.83
6.11
7.45
6.5
6.49
6.26
Dividend per Share
0.36
0.47
0.54
0.6
0.71
0.79
0.94
1.08
1.14
1.4
1.57
1.72
1.89
1.93
Book Value per Share
6.8
7.38
8.15
8.78
9.98
12.18
14.51
15.06
18.44
23.07
28.7
33.6
38.29
39.5
Tangible Book Value per Share
8.52
10.4
15.16
19.9
21.96
23.93
26.91
27.84
29.69
30.67
36.17
41.42
45.49
46.01
Basic Weighted Avg Shares
72
78
87
104
125
129
129
129
129
120
114
114
113
112
Sales/Revenue/Turnover
258
346
479
695
930
992
984
985
1,105
1,257
1,562
1,658
1,728
1,737
Operating Margin (%)
49.26
49.86
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
10
13
17
25
34
35
43
44
43
56
84
104
126
134
Net Income, GAAP
91
119
182
270
422
417
426
292
579
564
691
716
715
707
Effective Tax Rate (%)
30.55
31.23
34.13
36.36
27.32
24.72
24.53
22.41
23.1
21.82
20.32
23.06
23.42
23.34
Profit Margin (%)
35.3
34.29
38.02
38.87
45.35
42.06
43.27
29.64
52.39
44.89
44.22
43.21
41.41
40.7
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
346
256
322
383
364
439
695
1,095
1,223
1,075
1,275
883
464
814
Total Equity
633
912
1,468
2,795
3,464
3,773
4,153
4,275
4,839
4,691
5,140
5,706
6,130
6,156
Return on Invested Capital (%)
9.64
11.05
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
19.97
22.34
28.48
33.27
38.93
29.6
24.78
15.28
26.76
21.25
22.27
19.72
17.19
16.52

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
763
464
814
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
339
339
339
Shares Outstanding
113
110
109
Market Capitalization
5,769
5,208
5,143

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,541
3,238
2,160
Accounts Receivable, Net
178
172
176
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.44%
7.63%
7.42%
Free Cash Flow
21.7%
9.76%
-0.96%
Net Income, GAAP
19.57%
24.36%
-0.14%
Sales/Revenue/Turnover
14.53%
12.11%
4.2%
Total Cash Common Dividend
15.94%
7.19%
9.65%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
406
417
423
412
1,658
2025
409
428
450
441
1,728
2026
418
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.51
1.53
1.56
- -
6.16
2025
1.48
1.58
1.6
- -
6.2
2026
1.44
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.42
0.43
0.44
- -
1.72
2025
0.45
0.47
0.48
- -
1.89
2026
0.5
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
George G. Gleason
Full Time Employees
3,096
Sector
Financial Services
Industry
Banks - Regional
Address
18000 Cantrell Road Little Rock AR United States of America 72223
IPO Date
Jul 17, 1997
Website
ozk.com
Business
Bank OZK (Nasdaq: OZK) operates as a full-service regional bank holding company headquartered in Little Rock, Arkansas, with roots tracing back to 1903. The bank maintains over 260 offices across nine states, including Arkansas, Georgia, Florida, North Carolina, Texas, California, New York, and Mississippi, delivering a broad spectrum of personal and business banking solutions; these encompass deposit products such as checking accounts, savings accounts, money market accounts, time deposits, and individual retirement accounts; lending services including real estate loans, commercial and industrial loans, consumer loans, mortgages, equipment financing, business aviation financing, and subscription financing; treasury management, merchant services, trust and estate services, wealth management, investment advisory, financial planning, credit cards, debit cards, letters of credit, certificates of deposit, and online/mobile banking platforms. Bank OZK serves diverse customer segments, from individual consumers and local businesses to large corporate and institutional clients, with a strategic emphasis on real estate-secured lending, relationship-driven commercial banking, and targeted sector financing in areas like natural resources. In recent developments, the bank reports assets exceeding $41 billion and employs more than 3,200 people as of 2025; it opened 11 new branches year-to-date through the second quarter of 2025, with plans for 14 additional openings in the second half of the year and approximately 25 more in 2026 to support ongoing expansion; deposits in its Corporate and Institutional Banking segment grew nearly 20% quarter-over-quarter in Q2 2025; the bank launched a Natural Resources Group in 2025 to capture new lending opportunities; and it announced record third-quarter 2025 earnings, alongside its 61st consecutive quarterly dividend increase to $0.45 per share, underscoring sustained profitability and strategic growth amid cautious economic positioning.

Company News

MCPAPIChat
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  • Bank OZK Rewards Shareholders With a 2.2% Increase in Dividend

  • Bank OZK Announces Increase to Quarterly Common Stock Dividend and Announces Preferred Stock Dividend

  • Burns Matteson Capital Management LLC Buys New Position in Bank OZK $OZK

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  • Value + Quality + Cash Flow Is King

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  • Can OZK Sustain Returns With Strong Capital Base in Place?