Company Overview
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
Why Investors Should Care
Revenue has grown at a 11.2% CAGR over the past five years.
Trades at a P/E of 8.1, below the sector median of 12.9.
Maintains a net profit margin of 44.5%.
Carries low leverage with a debt-to-equity ratio of 0.08.
Offers a dividend yield of 3.89%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.73B (+4.2% YoY); net profit $715.48M.
- Trailing 12 Months Year-on-year growth — revenue -2.1%, earnings -5.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.2%, profit CAGR 8.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.20% |
| 1 Year: | -2.10% |
Compounded Profit Growth
| 5 Years: | 8.24% |
| 1 Year: | -5.70% |
Stock Price Performance
| 1 Year: | +1.04% |
| 6 Months: | +12.21% |
| 3 Months: | -0.36% |
| 1 Month: | -4.18% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)43.57 · Neutral
P/E of 8.13 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 44.5%.
- Compounding revenue at 11.2% over 5 years.
- Attractive dividend yield of 3.89%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | OZK Bank OZK R3KFINANCIAL | 49.26 | 8.13 | $5.37B | 3.89% | - | 11.33% | 11.20% | 8.24% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 409.23M | 428.04M | 449.94M | 440.65M | 418.10M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 261.23M | 271.60M | 281.17M | 263.96M | 243.45M |
| Pretax Income | - | 223.86M | 239.66M | 242.31M | 228.43M | 211.61M |
| Tax Provision | - | 51.89M | 56.66M | 57.74M | 52.52M | 48.25M |
| Net Income | - | 171.96M | 182.98M | 184.58M | 175.96M | 163.36M |
| Diluted EPS | - | 1.47 | 1.58 | 1.59 | - | 1.44 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 1.26B | 1.56B | 1.66B | 1.73B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 123.83M | 688.69M | 1.12B | 1.08B |
| Pretax Income | - | 721.53M | 867.00M | 931.29M | 934.27M |
| Tax Provision | - | 157.44M | 176.16M | 214.79M | 218.81M |
| Net Income | - | 564.14M | 690.78M | 716.46M | 715.48M |
| Diluted EPS | - | 4.54 | 5.87 | 6.14 | 6.18 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 27.66B | 34.24B | 38.26B | 40.79B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 1.03B | 2.15B | 2.78B | 2.83B |
| Inventory | - | - | - | - | - |
| Receivables | - | 125.13M | 170.11M | 174.03M | 171.58M |
| Total Liabilities | - | 22.97B | 29.10B | 32.55B | 34.66B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 1.08B | 1.27B | 883.04M | 463.58M |
| Total Debt | - | 1.08B | 1.27B | 883.04M | 463.58M |
| Total Equity | - | 4.69B | 5.14B | 5.71B | 6.13B |
| Shares Outstanding | - | 117.18M | 113.15M | 113.46M | 110.38M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 764.95M | 881.55M | 834.47M | 837.73M |
| Investing Cash Flow | - | -2.43B | -5.53B | -3.25B | -2.34B |
| Financing Cash Flow | - | 644.92M | 5.77B | 3.05B | 1.56B |
| Capital Expenditure | - | -29.85M | -29.14M | -95.62M | -106.00M |
| Free Cash Flow | - | 735.09M | 852.41M | 738.85M | 731.73M |
| Net Change in Cash | - | -1.02B | 1.12B | 631.57M | 52.72M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 44.9% | 44.2% | 43.2% | 41.4% |
| ROE % | - | 12.0% | 13.4% | 12.6% | 11.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.47% | 10.74M | $514.20M |
| 2 | Dimensional Fund Advisors LP | 5.89% | 6.68M | $319.89M |
| 3 | State Street Corporation | 5.36% | 6.08M | $290.94M |
| 4 | Vanguard Portfolio Management LLC | 4.58% | 5.20M | $248.93M |
| 5 | Vanguard Capital Management LLC | 4.17% | 4.73M | $226.64M |
| 6 | Wasatch Advisors LP | 4.14% | 4.70M | $224.81M |
| 7 | Charles Schwab Investment Management, Inc. | 3.62% | 4.10M | $196.49M |
| 8 | American Century Companies Inc | 3.24% | 3.67M | $175.93M |
| 9 | Geode Capital Management, LLC | 2.89% | 3.28M | $157.15M |
| 10 | AQR Capital Management, LLC | 2.89% | 3.27M | $156.77M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OZK
Diversification Softens Bank OZK's Earnings, But Strengthens The Case For Preferred Stock - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxNYU1SYXNyeDBDeWVhYWpueV94aFhobzV0TGpETlFJOTFzMG9BWXMxU0ZEdG45Nk80UFYwbjZ3TlVSZm9nSlVTRUpjM3lwOTZkMDBzcWRqalM5LU1Sc0ZKNzF0QmE2b2pwSF90TXlzd2dtMEVPS2IxRkl0MElFZ3B3NVJPdHNlbWtySnV0S1…
Bank OZK (OZK) Plans North Carolina Expansion, Is The Stock Still Cheap? - simplywall.st
<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxQYkFkZWdEN2JJQ3V4MXhvUjQta3FIbXFYdXRZY1UxaWUyanJGUC1wY2lsMm8wZ0ZyVzRCUGcxTjJYdG51YzcwX0ZxajJwc09pYW56a3NoMlFxbDE5cmYwNW82enZNdmlGeWhDdUFUaThkVlhFNXRIdnc5eFRuT3laNlM2UGJFRkJKM3ZkTE…
Bank OZK (OZK) Could Be 4% Undervalued As Earnings Put Recent Weakness In Context - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMijgFBVV95cUxPYVQ4WnAxbDJCNW8tNV9IUFdtaHRhUGoxa2NtNDdYc3VxaVhacmRaZ3RnQ2YxWGxQdVprNUI2UklxeFN2aUhnSzRwVFZ3dTVPa1JYM0plV1lLbWlDQllaVnhLRkNhbTNPZkJMVmlzbkpWUVFRbmlMb2xmYkdUVW5tMlZWaGNleVJ5bUJzcV…
Bank OZK authorizes $200 million stock repurchase program - Talk Business & Politics
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4,663 Shares in Costco Wholesale Corporation $COST Purchased by Bank OZK - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxQdElkalNCQm5BbXNBenhac3lneDVFOFRyZ3FXd2VSSHh3MG52bmZYRW5NUEV4SHFEbl84dXZ6Y1FRTW5reTVobS1TR1VhbGxIYzM0R2FtZWVlR0pva2I3SUNwVlU1bTRNYlU3dV9falVuNjQ2UEZRcTMteEdHRjF2YzZhWGZJLXBFZzVmRX…
Piper Sandler reiterates Bank OZK stock rating on credit concerns - Investing.com
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OZK — Frequently Asked Questions
What is the current share price of Bank OZK (OZK)?
As of 2026-09-19 21:16 PDT, Bank OZK (OZK) trades at $49.26 on NasdaqGS. Its 52-week range is $41.42 to $53.09.
What is the market capitalisation of OZK?
Bank OZK (OZK) has a market capitalisation of $5.37B on NasdaqGS.
What is the P/E ratio of OZK?
OZK trades at a trailing price-to-earnings (P/E) ratio of 8.13. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.88.
Does OZK pay a dividend?
Bank OZK (OZK) currently offers a dividend yield of 3.89%.
What is the return on equity (ROE) of OZK?
OZK has a return on equity (ROE) of 11.33%.
Is OZK a good stock to buy?
This page provides a data-driven analysis of Bank OZK (OZK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.