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+103.0%
5Y+138.0%
10Y+271.0%
3Y+27.0%
5Y+145.0%
10Y+165.0%
3Y+10.0%
5Y+52.0%
10Y+246.0%
Bank OZK

Bank OZK Profit Bridge

OZK ยท NASDAQ
Revenue2.81B
Cost of Goods Sold (1.25B)
Gross Profit1.56B
Operating Expenses (621.07M)
Operating Income934.27M
Interest Expense (1.08B)
Other Income/Expense0.00
Pretax Income934.27M
Income Tax (218.81M)
Net Income715.48M
Net Income
715.48M

Profitability Analysis

Gross Margin

55.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

33.3%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

25.5%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

23.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Bank OZK Income Statement

OZK โ€ข NASDAQ

Bank OZK Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
2.8B
2.8B
2.3B
1.4B
1.2B
1.2B
1.3B
1.2B
1B
755.6M
506.9M
366.8M
277.1M
249.4M
241.6M
188.4M
217M
202.4M
199.9M
178.4M
GROSS PROFIT
(1.3B)
(1.3B)
(854.2M)
(207.3M)
(3.6M)
(395.8M)
(304.6M)
(273.8M)
(143.3M)
(84.8M)
(47M)
(37.9M)
(30.7M)
(33.3M)
(42.2M)
(50.3M)
(92.4M)
(103.3M)
(105.5M)
(86.9M)
1.6B
1.5B
1.4B
1.2B
1.2B
781.3M
958M
927.3M
902.2M
670.7M
459.9M
329M
246.4M
216.1M
199.4M
138.1M
124.6M
99M
94.4M
91.5M
OPERATING INCOME
(621.1M)
(551.3M)
(529.6M)
(451.7M)
(430.3M)
(405.1M)
(393.7M)
(373.2M)
(321.6M)
(246.4M)
(183.1M)
(156.5M)
(115M)
(105.1M)
(47.9M)
(47.5M)
(68.6M)
(54.4M)
(48.3M)
(46.4M)
(389.2M)
(342.2M)
(305.3M)
(244.8M)
(228.5M)
(228.1M)
(213.5M)
(196.8M)
(171.3M)
(140.2M)
(104.4M)
(92.9M)
(78.4M)
(72M)
(68.8M)
(50.9M)
(58.9M)
(30.1M)
(29.7M)
(29.1M)
934.3M
931.3M
867M
721.5M
752.9M
376.2M
564.3M
554.1M
580.5M
424.4M
276.8M
172.4M
131.4M
111M
151.5M
90.5M
55.9M
44.6M
46.2M
45.1M
PRE-TAX INCOME
(1.1B)
(1.1B)
(688.7M)
(123.8M)
(81.6M)
(192.2M)
(278.4M)
(209.4M)
(115.2M)
(61.1M)
(27.6M)
(21M)
(18.6M)
(21.6M)
(30.4M)
(34.3M)
(47.6M)
(84.3M)
(99.4M)
(84.5M)
1.6B
1.5B
1.4B
1.1B
989.7M
888.6M
884.2M
891.4M
817.4M
601.5M
382.2M
270.5M
193.5M
174.3M
168.7M
123.6M
118.3M
98.7M
77.6M
70.7M
(231.9M)
(209.1M)
(224.2M)
(206.9M)
(201.8M)
(177M)
(180.2M)
(176.4M)
(150.3M)
(106.2M)
(78.7M)
(63.6M)
(36.5M)
(33.1M)
-20.9M
-3.4M
(9.7M)
(24.3M)
(18.5M)
(17.3M)
934.3M
931.3M
867M
721.5M
752.9M
376.2M
564.3M
554.1M
580.5M
424.4M
276.8M
172.4M
131.4M
111M
151.5M
90.5M
55.9M
44.6M
46.2M
45.1M
NET INCOME
(218.8M)
(214.8M)
(176.2M)
(157.4M)
(173.9M)
(84.3M)
(138.4M)
(137M)
(158.6M)
(154.3M)
(94.5M)
(53.9M)
(40.1M)
(33.9M)
(50.2M)
(26.6M)
(12.9M)
(9.9M)
(14.4M)
(13.4M)
715.5M
716.5M
690.8M
564.1M
579M
291.9M
425.9M
417.1M
421.9M
270M
182.3M
118.6M
91.2M
77M
101.3M
64M
43.1M
34.2M
31.7M
31.7M

SEC Filings

OZK - Filing history and reports

No SEC filings available for OZK