OZK FY 2025 Earnings Report — Bank OZK Revenue & Financial Results | Market Cap Arena

FY 2025 Earnings

Reported December 30, 2025

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$2.8B	—	$2.8B	—	1.1%
Op. Income	$934M	—	$931M	—	0.3%
Gross Margin	55.4%	—	53.4%	—	2.0pp
Net Margin	25.5%	—	25.8%	—	-0.3pp
EPS (Diluted)	$6.17	—	$6.14	—	0.5%
Free Cash Flow	$732M	—	$739M	—	-1.0%

Revenue Flow

Item	Amount
REVENUE	$2.8B
Cost of Revenue	$1.3B
GROSS PROFIT	$1.6B
R&D Expenses	$0
Selling & Marketing	$9M
General & Administrative	$381M
SG&A Expenses	$389M
Other Expenses	$232M
Operating Expenses	$621M
Cost & Expenses	$1.9B
OPERATING INCOME	$934M
Interest Income	$2.7B
Interest Expense	$1.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$934M
Income Tax Expense	$219M
Net Income from Continuing Ops	$715M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$715M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$699M
D&A	$0
EBIT	$934M
EBITDA	$934M
EPS	$6
EPS Diluted	$6

Income Statement

Item	Amount
REVENUE	$2.8B
Cost of Revenue	$1.3B
GROSS PROFIT	$1.6B
R&D Expenses	$0
Selling & Marketing	$9M
General & Administrative	$381M
SG&A Expenses	$389M
Other Expenses	$232M
Operating Expenses	$621M
Cost & Expenses	$1.9B
OPERATING INCOME	$934M
Interest Income	$2.7B
Interest Expense	$1.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$934M
Income Tax Expense	$219M
Net Income from Continuing Ops	$715M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$715M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$699M
D&A	$0
EBIT	$934M
EBITDA	$934M
EPS	$6
EPS Diluted	$6

Cash Flow Statement

Item	Amount
Net Income	$715M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$305M
Change in Working Capital	-$183M
OPERATING CASH FLOW	$838M
Capital Expenditure	-$106M
Acquisitions (Net)	-$550.0K
Purchases of Investments	-$725M
Sales/Maturities of Investments	$984M
Other Investing Activities	-$2.5B
NET CASH FROM INVESTING	-$2.3B
Net Debt Issuance	-$420M
Common Stock Repurchased	-$145M
Common Dividends Paid	-$197M
Other Financing Activities	$2.3B
NET CASH FROM FINANCING	$1.6B
FREE CASH FLOW	$732M
Net Change in Cash	$0

Balance Sheet

Item	Amount
Cash & Equivalents	$0
Short-Term Investments	$0
Net Receivables	$0
Inventory	$0
Other Current Assets	$3.1B
TOTAL CURRENT ASSETS	$3.1B
PP&E (Net)	$922M
Goodwill	$661M
Intangible Assets	$0
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	-$1.6B
TOTAL NON-CURRENT ASSETS	$0
TOTAL ASSETS	$40.8B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$3.8B
TOTAL CURRENT LIABILITIES	$3.8B
Long-Term Debt	$464M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	-$464M
TOTAL NON-CURRENT LIABILITIES	$0
TOTAL LIABILITIES	$34.7B
Common Stock	$1M
Additional Paid-In Capital	$1.5B
Retained Earnings	$4.3B
Treasury Stock	$0
Accum. Other Comp. Income	-$25M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$6.1B
Minority Interest	$0
TOTAL EQUITY	$6.1B
TOTAL LIABILITIES & EQUITY	$40.8B
Total Debt	$464M
Net Debt	$464M