Bank OZK

Bank OZK

OZKยทNASDAQ

$47.71

-0.36%
Financial ServicesBanks - Regional

Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services. Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi. 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.

At a Glance

Live Snapshot
Market Cap$5.21B
EPS6.2100
P/E Ratio7.68
Earnings Date07/16/2026
3Y+10.0%
5Y+52.0%
10Y+246.0%
3Y-4.0%
5Y-21.0%
10Y+3.0%
3Y+141.0%
5Y-53.0%
10Y-45.0%
OZK

Bank OZK Cash Conversion Engine

OZK ยท NASDAQ
Net Income715.48M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-183.25M
Others305.50M
Capital Expenditures-106.00M
Free Cash Flow731.73M

Cash Flow Quality Analysis

FCF Conversion Rate

102.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

12.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-1.0%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$183.25M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Bank OZK Cash Flow Statement

OZK โ€ข NASDAQ

Bank OZK Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
715.5M
716.5M
690.8M
564.1M
579M
291.9M
425.9M
417.1M
421.9M
270.1M
182.3M
118.6M
91.3M
77.1M
101.3M
63.9M
43.1M
34.7M
31.7M
31.7M
0.0
89.2M
63.8M
55.5M
43.1M
43.8M
42.5M
35.4M
34.1M
25M
17.5M
13M
10M
8.8M
7M
4.9M
4.3M
3.8M
3.5M
2.1M
0.0
56.4M
-52.9M
63.8M
-61.2M
53.8M
-100.9M
33.1M
198.6M
12.7M
7.4M
-258K
-10.1M
-7.8M
11.9M
8.2M
-1.7M
-6.1M
-1.1M
-352K
0.0
20.7M
17.4M
13.2M
16M
14.8M
14.2M
14.1M
12.3M
10.8M
8.2M
5.7M
4.5M
2.6M
1.5M
833K
712K
862K
0.0
0.0
305.5M
164.1M
150.9M
83M
-60.7M
184.1M
-5.6M
32.9M
-47.3M
-69.2M
-56.3M
-60.2M
-45M
-88.3M
-131.2M
-45.9M
15M
19.2M
4.8M
-1.3M
(0.0)
(175.6M)
(213.8M)
(70M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-183.2M
-212.4M
11.5M
-14.7M
12M
-36.4M
48.6M
172.7M
-235.2M
-7.5M
42.1M
19.9M
8.7M
-8.1M
30M
9M
-13.4M
-6.3M
3.6M
-9.5M
837.7M
834.5M
881.6M
764.9M
528.2M
551.9M
424.6M
705.3M
384.5M
241.9M
201.2M
96.8M
59.3M
-15.7M
20.6M
40.9M
48M
46.3M
42.7M
22.6M
INVESTING ACTIVITIES
-106M
-95.6M
-29.1M
-29.9M
-33.9M
-49.6M
-98.7M
-86.8M
-38.9M
-45.2M
-16.8M
-18.1M
-10.1M
-46.1M
-21.1M
-16.9M
-9.2M
-27.9M
-11.9M
-29.5M
-550K
-25.4M
-92.2M
-74.3M
-156.2M
-106.2M
-28M
(0.0)
(0.0)
(203.7M)
(299.8M)
(121.9M)
(56.8M)
(28.5M)
(365.4M)
(201.5M)
-15K
-192K
(0.0)
(0.0)
-724.8M
-575.9M
-241.7M
-960.4M
-3.7B
-2.5B
(0.0)
-825.2M
-1.6B
-652.1M
-93.8M
-56.1M
-141.5M
-63.1M
-15.2M
-125.7M
-321.9M
-2B
-70.2M
-256.4M
984.2M
997.1M
574.9M
1.1B
3.1B
1.4B
648.8M
496.6M
488.2M
183.3M
361.2M
160M
85.9M
100.8M
125.7M
315.1M
775.4M
1.7B
98.5M
209.4M
-2.5B
-3.6B
-5.7B
-2.5B
947M
-1.7B
-401.5M
-1.1B
-1.5B
-2B
-1.9B
-772.2M
-75.4M
167.1M
337.5M
118.1M
31.9M
-161.9M
-207M
-308.3M
-2.3B
-3.3B
-5.5B
-2.4B
(140.2M)
-3B
(120.6M)
-1.5B
-2.6B
-2.3B
-1.3B
-564.6M
-84.3M
(187.6M)
(793M)
(492.1M)
(476.2M)
-493.4M
-190.6M
-384.7M
FINANCING ACTIVITIES
-151.3M
-8.5M
-160.1M
-355.5M
-195.4M
-1.9M
-1.7M
-3.8M
299.7M
-3.3M
103.1M
-2.3M
-1.4M
-341K
4M
2.8M
-2.7M
0.0
546K
824K
-420.3M
-384.5M
198.7M
-149.7M
118.3M
396.3M
254.7M
74.4M
-19.6M
-163.9M
4.8M
-98.5M
132K
-21.1M
-73.1M
-113.9M
-82.4M
88.4M
147M
-84.3M
-213M
-195.6M
-179.2M
-168.9M
-146.5M
-139.3M
-121.1M
-102.2M
-88.7M
-62.2M
-47.1M
-36.1M
-25.7M
-17.3M
-12.7M
-10.2M
-12.1M
-8.4M
-7.2M
-6.7M
-144.5M
-8.5M
-160.1M
-355.5M
-195.4M
-1.9M
-1.7M
-3.8M
(0.0)
-3.3M
-6.9M
-2.3M
-1.4M
-341K
(0.0)
(0.0)
-77.7M
(0.0)
(0.0)
(0.0)
2.3B
3.6B
5.9B
1.3B
-1.1B
3.1B
527.9M
703M
1.6B
3B
1B
559M
39.9M
15.9M
-722M
-441M
-314.6M
285.8M
12.4M
454.3M
1.6B
3B
5.8B
644.9M
-1B
3.3B
659.8M
671.4M
1.8B
2.8B
1.1B
422M
13M
-22.9M
-803.7M
-562.3M
-486.8M
440.8M
152.7M
364.2M
CASH FLOW SUMMARY
-52.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
631.6M
1.1B
-1B
-339.8M
897.9M
1.2B
-149.7M
-426M
775.4M
-59.2M
-45.8M
-12M
149M
9.9M
-29.3M
37.3M
-6.5M
4.8M
2.1M
0.0
2.1B
1B
2.1B
2.4B
1.5B
290.7M
440.4M
866.4M
91M
150.2M
196M
208M
58.9M
49M
78.3M
41M
47.5M
42.7M
40.6M
0.0
2.8B
2.1B
1B
2.1B
2.4B
1.5B
290.7M
440.4M
866.4M
91M
150.2M
196M
208M
58.9M
49M
78.3M
41M
47.5M
42.7M
731.7M
738.8M
852.4M
735.1M
494.3M
502.3M
326M
618.6M
345.6M
196.8M
184.4M
78.7M
49.2M
-61.8M
-550K
24M
38.8M
18.2M
30.8M
-6.8M

SEC Filings

OZK - Filing history and reports

No SEC filings available for OZK