OZK
Bank Ozk
NASDAQ: OZK · FINANCIAL SERVICES · BANKS - REGIONAL
$47.50
-1.66% today
Updated 2026-04-29
Market cap
$5.19B
P/E ratio
7.69
P/S ratio
3.33x
EPS (TTM)
$6.18
Dividend yield
3.69%
52W range
$42 – $52
Volume
1.3M
Bank Ozk (OZK) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $178.43M | $199.94M | $202.35M | $216.96M | $188.39M | $241.65M | $249.40M | $277.09M | $366.83M | $506.90M | $755.57M | $1.05B | $1.20B | $1.26B | $1.18B | $1.19B | $1.38B | $2.25B | $2.77B | $2.81B |
| Revenue growth (YoY) | — | +12.1% | +1.2% | +7.2% | -13.2% | +28.3% | +3.2% | +11.1% | +32.4% | +38.2% | +49.1% | +38.4% | +14.9% | +5.1% | -6.8% | +0.8% | +16.3% | +63.0% | +23.2% | +1.1% |
| Cost of revenue | $86.93M | $105.50M | $103.33M | $92.39M | $50.34M | $42.21M | $33.34M | $30.71M | $37.87M | $46.98M | $84.84M | $143.26M | $273.79M | $304.60M | $395.80M | $3.65M | $207.32M | $854.16M | $1.29B | $1.25B |
| Gross profit | $91.50M | $94.44M | $99.03M | $124.57M | $138.06M | $199.44M | $216.05M | $246.38M | $328.96M | $459.92M | $670.73M | $902.17M | $927.28M | $958.02M | $781.27M | $1.18B | $1.17B | $1.40B | $1.48B | $1.56B |
| Gross margin | 51.3% | 47.2% | 48.9% | 57.4% | 73.3% | 82.5% | 86.6% | 88.9% | 89.7% | 90.7% | 88.8% | 86.3% | 77.2% | 75.9% | 66.4% | 99.7% | 85.0% | 62.0% | 53.4% | 55.4% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — | — |
| SG&A | $27.51M | $28.66M | $30.13M | $58.89M | $48.84M | $65.27M | $67.88M | $76.21M | $89.91M | $101.64M | $134.53M | $165.31M | $185.22M | $206.28M | $222.08M | $225.75M | $235.98M | $289.20M | $321.60M | $380.55M |
| Operating income | $45.11M | $46.19M | $44.63M | $55.94M | $90.54M | $151.51M | $111.00M | $131.41M | $172.45M | $276.77M | $424.36M | $580.52M | $554.06M | $564.34M | $376.18M | $752.92M | $721.53M | $867.00M | $931.29M | $934.27M |
| Operating margin | 25.3% | 23.1% | 22.1% | 25.8% | 48.1% | 62.7% | 44.5% | 47.4% | 47.0% | 54.6% | 56.2% | 55.5% | 46.1% | 44.7% | 32.0% | 63.4% | 52.3% | 38.5% | 33.6% | 33.3% |
| EBITDA | $47.24M | $49.74M | $48.38M | $60.22M | $95.44M | $158.55M | $119.80M | $141.41M | $185.43M | $294.23M | $453.55M | $620.15M | $589.50M | $606.85M | $419.97M | $796.05M | $777.05M | $930.80M | $1.02B | $934.27M |
| EBITDA margin | 26.5% | 24.9% | 23.9% | 27.8% | 50.7% | 65.6% | 48.0% | 51.0% | 50.5% | 58.0% | 60.0% | 59.3% | 49.1% | 48.1% | 35.7% | 67.1% | 56.3% | 41.4% | 36.8% | 33.3% |
| EBIT | $45.11M | $46.19M | $44.62M | $55.94M | $90.54M | $151.51M | $111.00M | $131.41M | $172.45M | $276.77M | $428.51M | $586.08M | $554.06M | $564.34M | $376.18M | $752.92M | $721.53M | $867.00M | $931.29M | — |
| Interest expense | $84.48M | $99.35M | $84.30M | $47.59M | $34.34M | $30.43M | $21.60M | $18.63M | $20.95M | $27.57M | $61.05M | $115.16M | $209.39M | $278.36M | $192.16M | $81.59M | $123.83M | $688.69M | $1.12B | $1.08B |
| Income tax | $13.42M | $14.45M | $9.93M | $12.86M | $26.61M | $50.21M | $33.94M | $40.15M | $53.86M | $94.45M | $154.28M | $158.59M | $136.98M | $138.43M | $84.31M | $173.89M | $157.44M | $176.16M | $214.79M | $218.81M |
| Effective tax rate | 29.7% | 31.3% | 22.5% | 23.0% | 29.4% | 33.1% | 30.6% | 30.6% | 31.2% | 34.1% | 36.4% | 27.3% | 24.7% | 24.5% | 22.4% | 23.1% | 21.8% | 20.3% | 23.1% | 23.4% |
| Net income | $31.69M | $31.75M | $34.25M | $43.10M | $64.00M | $101.32M | $77.04M | $91.24M | $118.61M | $182.25M | $269.98M | $421.89M | $417.11M | $425.91M | $291.90M | $579.00M | $564.14M | $690.78M | $716.46M | $715.48M |
| Net income growth (YoY) | — | +0.2% | +7.9% | +25.9% | +48.5% | +58.3% | -24.0% | +18.4% | +30.0% | +53.7% | +48.1% | +56.3% | -1.1% | +2.1% | -31.5% | +98.4% | -2.6% | +22.4% | +3.7% | -0.1% |
| Profit margin | 17.8% | 15.9% | 16.9% | 19.9% | 34.0% | 41.9% | 30.9% | 32.9% | 32.3% | 36.0% | 35.7% | 40.4% | 34.7% | 33.7% | 24.8% | 48.8% | 40.9% | 30.7% | 25.8% | 25.5% |