Logo

OZKAP

Bank OZK

OZKAP

Bank OZK • NASDAQ
$16.37 ▼ -1.15% (-0.19)
Market Cap $1.86 B
52w High $18.08
52w Low $15.69
Dividend Yield 1.16%
P/E 3.76
Volume 43.85K
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 Over the past five years, Bank OZK’s income statement shows a clear pattern of healthy, consistent growth. Revenue has climbed strongly, and profits have risen alongside it, not just in absolute terms but also with solid profitability. Operating income and net income have both trended upward, indicating that the bank is not simply growing its top line, but doing so in a disciplined, efficient way. Earnings per share have increased meaningfully, which suggests that growth is translating into value for existing shareholders rather than being diluted. Overall, the bank looks well-managed on the income side, with no obvious signs of margin strain in the recent period.

Balance Sheet

Balance Sheet The balance sheet reflects a steadily expanding bank with growing assets and a strengthening capital base. Total assets have increased each year, while shareholder equity has also built up over time, pointing to a more robust cushion to absorb potential shocks. Debt levels appear manageable relative to the size of the institution and have not ballooned in a way that would suggest aggressive leveraging. Cash levels move around year to year, which is normal for a bank managing liquidity, but remain broadly solid. Taken together, the balance sheet looks conservative and strengthening, which fits with the bank’s reputation for disciplined underwriting.

Cash Flow

Cash Flow Cash flow generation is a quiet strength here. Operating cash flow has been positive and fairly steady over the years, showing that the bank’s core activities reliably produce cash. Free cash flow has also been consistently positive, even after accounting for ongoing investments in the business. Capital spending has remained modest and controlled, suggesting that management is careful about large fixed investments and focuses more on technology and credit capabilities than on heavy physical expansion. Overall, cash flow supports the picture of a stable, cash-generative bank with room to fund growth and absorb periods of stress.

Competitive Edge

Competitive Edge Bank OZK’s competitive position is anchored in its specialty real estate lending franchise and its reputation for strict, conservative underwriting. The Real Estate Specialties Group gives the bank deep expertise and long-standing relationships in commercial real estate, which has translated into strong asset quality over time. Its emphasis on high borrower equity and conservative loan structures creates a form of protection when markets weaken. Beyond real estate, the bank has built niches in areas like aviation, agriculture, and association banking, and is expanding corporate and institutional banking to diversify away from a single engine of growth. The trade-off is that its fortunes are still closely tied to real estate cycles, so economic downturns or property market stress remain key external risks.

Innovation and R&D

Innovation and R&D Instead of traditional “R&D,” Bank OZK invests heavily in technology and digital capabilities through OZK Labs, its in-house innovation hub. This group operates more like a fintech team, using small agile squads to upgrade digital banking, automate processes, and use data and machine learning to improve decisions. The bank’s focus is on making digital banking smoother for both retail and business clients, and on giving bankers better tools and insights. It also partners selectively with established tech providers and has shown a willingness to work with large tech firms on advanced analytics. The key question going forward is execution: how effectively these technology investments improve customer experience, efficiency, and risk control over time.

Summary

Bank OZK presents a profile of a growing, profitable, and conservatively run regional bank with a distinctive edge in commercial real estate lending and a meaningful push into technology. Its income statement trends are positive, its balance sheet has been strengthening, and cash flows are steady and supportive. The main strengths are disciplined underwriting, strong asset quality, and a focused but well-regarded specialty lending franchise, backed by a modernizing technology platform. The main risks revolve around concentration in real estate, exposure to economic and interest-rate cycles, and the need to successfully diversify into new lending areas while continuing to innovate digitally. Overall, it looks like a bank that has balanced growth with prudence, but whose performance will remain sensitive to real estate markets and execution on its diversification and tech strategies.