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Bank Ozk (OZK) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-08-16

Bank Ozk (OZK) operates in the BANKS - REGIONAL industry and is headquartered in Little Rock, United States with about 3,286 employees. Its market capitalization is roughly $5 billion. In the fiscal year ended 2025-12-31, OZK reported $2.8B in revenue and $715M in net income.

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services.

Interactive charts & full statements → Open the OZK valuation workbench →

OZK Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$2.8B	$2.8B	$2.8B	$2.3B	$1.4B	$1.2B	$1.2B	$1.3B	$1.2B	$1.0B	$756M	$507M	$367M	$277M	$249M	$242M	$188M	$217M	$202M	$200M	$178M
Gross Profit	$1.6B	$1.6B	$1.5B	$1.4B	$1.2B	$1.2B	$781M	$958M	$927M	$902M	$671M	$460M	$329M	$246M	$216M	$199M	$138M	$125M	$99M	$94M	$92M
Gross Margin %	56.0%	55.4%	53.4%	62.1%	85.0%	99.7%	66.4%	75.9%	77.2%	86.3%	88.8%	90.7%	89.7%	88.9%	86.6%	82.5%	73.3%	57.4%	48.9%	47.2%	51.3%
Operating Income (EBIT)	$896M	$934M	$931M	$867M	$722M	$753M	$376M	$564M	$554M	$581M	$424M	$277M	$172M	$131M	$111M	$152M	$91M	$56M	$45M	$46M	$45M
Operating Margin %	32.4%	33.3%	33.6%	38.5%	52.3%	63.4%	32.0%	44.7%	46.1%	55.5%	56.2%	54.6%	47.0%	47.4%	44.5%	62.7%	48.1%	25.8%	22.1%	23.1%	25.3%
Net Income	$691M	$715M	$716M	$691M	$564M	$579M	$292M	$426M	$417M	$422M	$270M	$182M	$119M	$91M	$77M	$101M	$64M	$43M	$34M	$32M	$32M
Net Margin %	24.9%	25.5%	25.8%	30.7%	40.9%	48.8%	24.8%	33.7%	34.7%	40.4%	35.7%	35.9%	32.3%	32.9%	30.9%	41.9%	34.0%	19.9%	16.9%	15.9%	17.8%
EBITDA	$999M	$1.1B	$1.0B	$931M	$777M	$796M	$420M	$607M	$589M	$620M	$454M	$294M	$185M	$141M	$120M	$159M	$95M	$60M	$48M	$50M	$47M
Earnings Per Share (EPS)	$6.19	$6.38	$6.28	$6.02	$4.67	$4.47	$2.26	$3.30	$3.24	$3.35	$2.58	$2.09	$1.52	$1.26	$1.10	$1.47	$0.94	$0.64	$0.51	$0.47	$0.47
Shares Outstanding (M)	110M	112M	114M	115M	121M	130M	129M	129M	129M	126M	105M	87M	78M	72M	70M	69M	68M	68M	67M	67M	67M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OZK Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$673M	$662M	$705M	$731M	$700M	$670M	$696M	$716M
Gross Profit	$384M	$376M	$390M	$402M	$393M	$371M	$375M	$377M
Gross Margin %	57.1%	56.9%	55.4%	54.9%	56.1%	55.3%	53.9%	52.6%
Operating Income (EBIT)	$214M	$212M	$228M	$242M	$240M	$224M	$235M	$236M
Operating Margin %	31.8%	32.0%	32.4%	33.1%	34.2%	33.4%	33.8%	33.0%
Net Income	$167M	$163M	$176M	$185M	$183M	$172M	$182M	$181M
Net Margin %	24.9%	24.7%	25.0%	25.2%	26.2%	25.7%	26.2%	25.3%
EBITDA	$255M	$243M	$228M	$273M	$280M	$244M	$269M	$253M
Earnings Per Share (EPS)	$1.53	$1.47	$1.57	$1.63	$1.61	$1.51	$1.60	$1.59
Shares Outstanding (M)	110M	111M	112M	114M	114M	114M	114M	114M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OZK Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$866M	$838M	$834M	$882M	$765M	$543M	$552M	$425M	$705M	$384M	$242M	$201M	$97M	$59M	($16M)	$21M	$41M	$48M	$46M	$43M	$23M
Capital Expenditures (CapEx)	$103M	$106M	$96M	$29M	$30M	$34M	$50M	$99M	$87M	$39M	$45M	$17M	$18M	$10M	$46M	$21M	$17M	$9M	$28M	$12M	$29M
Free Cash Flow (FCF)	$762M	$732M	$739M	$852M	$735M	$509M	$502M	$326M	$619M	$346M	$197M	$184M	$79M	$49M	($62M)	($1M)	$24M	$39M	$18M	$31M	($7M)
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$219M	$213M	$196M	$179M	$169M	$147M	$139M	$121M	$102M	$89M	$62M	$47M	$36M	$26M	$17M	$13M	$10M	$12M	$8M	$7M	$7M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OZK Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$205M	$239M	$206M	$215M	$147M	$269M	$154M	$277M
Capital Expenditures (CapEx)	$16M	$27M	$31M	$29M	$19M	$26M	$33M	$19M
Free Cash Flow (FCF)	$189M	$212M	$175M	$186M	$128M	$242M	$121M	$258M
FCF Margin %	—	—	—	—	—	—	—	—
Dividends Paid	$56M	$55M	$55M	$54M	$53M	$52M	$51M	$50M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OZK Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$41.7B	$40.8B	$38.3B	$34.2B	$27.7B	$26.5B	$27.2B	$23.6B	$22.4B	$21.3B	$18.9B	$9.9B	$6.8B	$4.8B	$4.0B	$3.8B	$3.3B	$2.8B	$3.2B	$2.7B	$2.5B
Cash & Cash Equivalents	$1.6B	$2.8B	$2.8B	$2.1B	$1.0B	$2.1B	$2.4B	$1.5B	$291M	$440M	$866M	$91M	$150M	$196M	$208M	$59M	$49M	$78M	$41M	$48M	$43M
Total Liabilities	$35.4B	$34.7B	$32.6B	$29.1B	$23.0B	$21.7B	$22.9B	$19.4B	$18.6B	$17.8B	$16.1B	$9.9B	$6.8B	$4.2B	$3.5B	$3.4B	$3.0B	$2.5B	$2.9B	$2.5B	$2.4B
Total Debt (Short + Long-Term)	$465M	$464M	$883M	$2.1B	$1.7B	$1.2B	$1.1B	$1.1B	$568M	$454M	$225M	$710M	$577M	$399M	$375M	$335M	$389M	$390M	$453M	$432M	$167M
Total Shareholders' Equity	$6.3B	$6.1B	$5.7B	$5.1B	$4.7B	$4.8B	$4.3B	$4.2B	$3.8B	$3.5B	$2.8B	$1.5B	$908M	$625M	$508M	$425M	$320M	$269M	$324M	$191M	$175M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive OZK viewer.

Other Companies in BANKS - REGIONAL

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ABCB · Ameris Bancorp — $6 billion
ASB · Associated Banc-Corp — $6 billion
AUB · Atlantic Union Bankshares Corp — $6 billion
FLG · Flagstar Financial, Inc. — $5 billion
AX · Axos Financial Inc — $5 billion
EBC · Eastern Bankshares Inc — $5 billion
BMA · Banco Macro SA B ADR — $5 billion

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