OZK

MKT CAP:$5B

Bank OZK

Market Cap

$5B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$48.51+$1.47 (+3.12%)

Apr 23, 2026

Company Details

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 ...

CEO

George G. Gleason

IPO Date

Jul 17, 1997

Website

www.ozk.com

Key Metrics TTM

Revenue

$2.8B

+0.7% YoY

Net Income

$707M

EPS (Diluted)

$6.14

Free Cash Flow

$732M

Revenue / Share

$25.22

Gross Margin

55.8%

Operating Margin

33.0%

Net Margin

25.3%

FCF Margin

26.2%

P/S

1.9x

P/E

7.4x

Earnings Reports

Q1 2026

Mar 30, 2026

$662M-1.3%EPS $1.44

FY 2025

Dec 30, 2025

$2.8B+1.1%EPS $6.17

Q4 2025

Dec 30, 2025

$705M+1.3%EPS $1.53

Q3 2025

Sep 30, 2025

$731M+2.2%EPS $1.59

Q2 2025

Jun 29, 2025

$700M+0.4%EPS $1.58

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$306M	$283M	$176M
Q3 22	$351M	$282M	$168M
Q4 22	$424M	$325M	$209M
Q1 23	$477M	$337M	$211M
Q2 23	$540M	$347M	$218M
Q3 23	$591M	$349M	$220M
Q4 23	$650M	$372M	$219M
Q1 24	$666M	$363M	$230M
Q2 24	$697M	$368M	$230M
Q3 24	$716M	$377M	$236M
Q4 24	$696M	$375M	$235M
Q1 25	$670M	$371M	$224M
Q2 25	$700M	$393M	$240M
Q3 25	$731M	$402M	$242M
Q4 25	$705M	$390M	$228M
Q1 26	$662M	$376M	$212M

Valuation

Quarter	P/S	P/E
Q2 22	3.8x	8.3x
Q3 22	3.8x	8.6x
Q4 22	3.4x	8.4x
Q1 23	2.5x	6.4x
Q2 23	2.6x	7.2x
Q3 23	2.0x	6.0x
Q4 23	2.5x	8.1x
Q1 24	2.1x	7.3x
Q2 24	1.8x	6.6x
Q3 24	1.8x	6.9x
Q4 24	1.8x	7.1x
Q1 25	1.8x	6.9x
Q2 25	1.9x	7.5x
Q3 25	2.1x	8.0x
Q4 25	1.9x	7.6x
Q1 26	1.8x	7.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$190M	$181M
Q2 22	$160M	$156M
Q3 22	$241M	$231M
Q4 22	$173M	$167M
Q1 23	$253M	$247M
Q2 23	$155M	$152M
Q3 23	$271M	$267M
Q4 23	$202M	$187M
Q1 24	$240M	$224M
Q2 24	$164M	$135M
Q3 24	$277M	$258M
Q4 24	$154M	$121M
Q1 25	$269M	$242M
Q2 25	$147M	$128M
Q3 25	$215M	$186M
Q4 25	$206M	$175M

Capital Expenditures

Quarter	CapEx
Q1 22	$9M
Q2 22	$4M
Q3 22	$11M
Q4 22	$6M
Q1 23	$6M
Q2 23	$4M
Q3 23	$4M
Q4 23	$16M
Q1 24	$15M
Q2 24	$29M
Q3 24	$19M
Q4 24	$33M
Q1 25	$26M
Q2 25	$19M
Q3 25	$29M
Q4 25	$31M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+5.6%	+38.3%
Q3 22	+22.4%	+57.9%
Q4 22	+37.8%	+89.3%
Q1 23	+63.2%	+116.0%
Q2 23	+76.6%	+147.9%
Q3 23	+68.7%	+103.7%
Q4 23	+53.3%	+100.0%
Q1 24	+39.8%	+64.1%
Q2 24	+28.9%	+44.5%
Q3 24	+21.0%	+29.2%
Q4 24	+7.0%	+6.7%
Q1 25	+0.6%	+2.3%
Q2 25	+0.4%	-1.4%
Q3 25	+2.2%	+1.9%
Q4 25	+1.3%	+3.4%
Q1 26	-1.3%	+0.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$4M	1.3%
Q2 22	$2M	0.8%
Q3 22	$3M	1.0%
Q4 22	$4M	0.8%
Q1 23	$4M	0.9%
Q2 23	$4M	0.8%
Q3 23	$4M	0.8%
Q4 23	$4M	0.7%
Q1 24	$5M	0.7%
Q2 24	$6M	0.8%
Q3 24	$5M	0.7%
Q4 24	$5M	0.8%
Q1 25	$6M	0.9%
Q2 25	$6M	0.9%
Q3 25	$6M	0.8%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$57M	$1M
Q3 22	$60M	$3M
Q4 22	$63M	$3M
Q1 23	$67M	$4M
Q2 23	$70M	$3M
Q3 23	$70M	$4M
Q4 23	$82M	$5M
Q1 24	$78M	$4M
Q2 24	$79M	$7M
Q3 24	$81M	$6M
Q4 24	$84M	$4M
Q1 25	$89M	$4M
Q2 25	$93M	$5M
Q3 25	$111M	—
Q4 25	$88M	—
Q1 26	$117M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$1.1B	$3.7B	$4.9B
Q3 22	$896M	$3.5B	$4.4B
Q4 22	$1.0B	$3.5B	$4.5B
Q1 23	$1.0B	$3.4B	$4.5B
Q2 23	$1.5B	$3.3B	$4.7B
Q3 23	$1.9B	$3.2B	$5.0B
Q4 23	$2.1B	$3.2B	$5.4B
Q1 24	$2.3B	$3.1B	$5.4B
Q2 24	$2.6B	$3.0B	$5.6B
Q3 24	$2.7B	$3.0B	$5.6B
Q4 24	$2.8B	$566M	$3.3B
Q1 25	$2.4B	$451M	$2.8B
Q2 25	$2.7B	$438M	$3.1B
Q3 25	$3.1B	$420M	$3.5B
Q4 25	$0	$0	$0
Q1 26	$1.7B	$0	$1.7B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	121M	-3.3%	-7.2%
Q3 22	119M	-1.6%	-8.5%
Q4 22	118M	-0.6%	-9.0%
Q1 23	117M	-0.7%	-6.1%
Q2 23	114M	-2.7%	-5.4%
Q3 23	114M	-0.4%	-4.3%
Q4 23	114M	-0.0%	-3.8%
Q1 24	114M	+0.1%	-3.0%
Q2 24	114M	+0.1%	-0.3%
Q3 24	114M	+0.0%	+0.2%
Q4 24	114M	-0.0%	+0.2%
Q1 25	114M	+0.2%	+0.3%
Q2 25	114M	-0.4%	-0.2%
Q3 25	114M	-0.2%	-0.4%
Q4 25	112M	-1.3%	-1.7%
Q1 26	111M	-1.0%	-2.9%

Shares Outstanding