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OZK

Bank OZK

OZK

Bank OZK • NASDAQ
$46.02 ▲ 0.04% (+0.02)
Market Cap $5.22 B
52w High $53.66
52w Low $35.71
Dividend Yield 1.74%
P/E 7.42
Volume 379.03K
Outstanding Shares 113.38M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $731.109M ▲ $159.308M ▲ $184.58M ▲ 25.247% ▼ $1.6 ▲ $242.314M ▼
Q2-2025 $699.633M ▲ $153.163M ▲ $182.978M ▲ 26.153% ▲ $1.59 ▲ $280.043M ▲
Q1-2025 $670.462M ▼ $146.954M ▲ $171.959M ▼ 25.648% ▼ $1.48 ▼ $243.622M ▼
Q4-2024 $695.577M ▼ $140.129M ▼ $182.181M ▲ 26.191% ▲ $1.57 ▲ $269.323M ▲
Q3-2024 $715.657M $140.401M $181.194M 25.319% $1.56 $253.355M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $3.541B ▲ $41.607B ▲ $35.513B ▼ $6.093B ▲
Q2-2025 $3.144B ▲ $41.454B ▲ $35.529B ▲ $5.925B ▲
Q1-2025 $2.829B ▼ $39.165B ▲ $33.334B ▲ $5.831B ▲
Q4-2024 $3.347B ▼ $38.259B ▲ $32.553B ▲ $5.706B ▲
Q3-2024 $5.631B $37.442B $31.848B $5.593B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $184.575M ▲ $215.273M ▲ $290.456M ▲ $-90.744M ▼ $414.985M ▲ $185.996M ▲
Q2-2025 $183.003M ▲ $147.182M ▼ $-1.819B ▼ $2B ▲ $328.256M ▲ $128.063M ▼
Q1-2025 $171.971M ▼ $268.842M ▲ $-1.376B ▼ $703.403M ▲ $-403.412M ▼ $242.348M ▲
Q4-2024 $182.206M ▲ $153.591M ▼ $-742.081M ▼ $690.865M ▲ $102.375M ▼ $120.989M ▼
Q3-2024 $181.206M $276.889M $-494.774M $327.798M $109.913M $257.982M

Five-Year Company Overview

Income Statement

Income Statement Bank OZK’s income statement shows a steady build in strength over the past five years. Revenue has climbed meaningfully, and profits have grown even faster, which suggests that the bank is not just getting bigger but also more efficient at turning revenue into earnings. Profit margins remain healthy, with only modest pressure visible despite a tougher rate and credit environment in recent years. Earnings per share have risen strongly, helped by both higher profits and disciplined cost control. Overall, the income statement reflects a bank that has managed growth and profitability well, with no obvious signs of strain in its core operations.

Balance Sheet

Balance Sheet The balance sheet looks robust and conservative. Total assets have expanded steadily, supported by healthy cash levels and only moderate use of debt funding. Debt is relatively small compared with the size of the business, and equity has grown every year, which points to consistent retention of earnings and a stronger capital base over time. This combination – rising assets, growing equity, and controlled leverage – is consistent with the “fortress balance sheet” narrative the bank promotes. It suggests resilience in the face of economic shocks and flexibility to support future growth, though concentration in certain lending niches still warrants attention from a risk standpoint.

Cash Flow

Cash Flow Cash generation appears to be a quiet strength. Operating cash flow has been solid and broadly aligned with earnings, which indicates that reported profits are backed by real cash, not just accounting. Free cash flow has been consistently positive even after investment spending, and required capital expenditures remain modest for a bank of this size, reflecting a relatively light physical footprint and a focus on technology over brick-and-mortar expansion. This pattern gives management room to fund growth, maintain capital strength, and return excess cash to stakeholders without stretching the balance sheet.

Competitive Edge

Competitive Edge Bank OZK occupies a distinctive niche among regional banks. Its standout area is its specialized commercial real estate lending platform, which has built a reputation for rigorous underwriting and complex project execution. This specialization, along with historically low credit losses, has supported strong profitability. The bank also benefits from tight cost control, leading to very lean operations compared with many peers. Long-tenured leadership with substantial ownership further reinforces strategic consistency. On the risk side, meaningful exposure to large real estate projects and concentration in specific lending segments means the bank is somewhat less diversified than a typical broad-based retail bank, so performance can be more sensitive to that sector’s cycles.

Innovation and R&D

Innovation and R&D For a regional bank, OZK is unusually tech-focused. Its in-house innovation arm, OZK Labs, acts as an internal fintech shop, building proprietary software rather than relying heavily on outside vendors. This allows faster product development, better integration of data and analytics, and more control over the customer experience. The bank has invested in advanced digital banking tools, machine learning partnerships, and user-friendly onboarding, aiming to make its services feel more like leading consumer tech platforms than traditional banks. The key opportunity is to keep translating this technological edge into better risk assessment, more targeted lending, and stickier customer relationships. The main watchpoint is execution: sustaining genuine innovation over time is challenging, especially as competitors also ramp up their digital capabilities.

Summary

Overall, Bank OZK presents as a disciplined, profitable regional bank with a distinctive blend of niche real estate lending and in-house technology development. Financially, it shows a pattern of rising revenue, expanding earnings, solid margins, and a strengthening capital base, supported by reliable cash generation. Strategically, its competitive moat rests on rigorous underwriting, cost efficiency, and a unique innovation engine in OZK Labs. The upside comes from leveraging this platform to grow and diversify lending while deepening digital customer relationships. The key sensitivities to monitor are credit risk in its specialized portfolios, the health of commercial real estate markets, and its ability to stay ahead technologically as the broader banking industry continues to digitize.

NEWS

October 16, 2025 · 4:05 PM UTC

Bank OZK Announces Record Third Quarter 2025 Earnings

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October 1, 2025 · 4:01 PM UTC

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

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September 30, 2025 · 4:01 PM UTC

Bank OZK Announces Date for Third Quarter 2025 Earnings Release and Conference Call

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