Bank Ozk
NASDAQ: OZK · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-07-29
Bank Ozk (OZK) Financial statements
SEC filings — annual and quarterly data.
Margin trends — annual
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $178.43M | $31.69M | 51.28% | 25.28% | 17.76% |
| 2007 | $199.94M | $31.75M | 47.23% | 23.10% | 15.88% |
| 2008 | $202.35M | $34.25M | 48.94% | 22.05% | 16.92% |
| 2009 | $216.96M | $43.10M | 57.42% | 25.78% | 19.87% |
| 2010 | $188.39M | $64.00M | 73.28% | 48.06% | 33.97% |
| 2011 | $241.65M | $101.32M | 82.53% | 62.70% | 41.93% |
| 2012 | $249.40M | $77.04M | 86.63% | 44.51% | 30.89% |
| 2013 | $277.09M | $91.24M | 88.92% | 47.43% | 32.93% |
| 2014 | $366.83M | $118.61M | 89.68% | 47.01% | 32.33% |
| 2015 | $506.90M | $182.25M | 90.73% | 54.60% | 35.95% |
| 2016 | $755.57M | $269.98M | 88.77% | 56.16% | 35.73% |
| 2017 | $1.05B | $421.89M | 86.30% | 55.53% | 40.36% |
| 2018 | $1.20B | $417.11M | 77.20% | 46.13% | 34.73% |
| 2019 | $1.26B | $425.91M | 75.88% | 44.70% | 33.73% |
| 2020 | $1.18B | $291.90M | 66.37% | 31.96% | 24.80% |
| 2021 | $1.19B | $579.00M | 99.69% | 63.44% | 48.78% |
| 2022 | $1.38B | $564.14M | 84.98% | 52.26% | 40.86% |
| 2023 | $2.25B | $690.78M | 62.05% | 38.52% | 30.69% |
| 2024 | $2.77B | $716.46M | 53.45% | 33.57% | 25.83% |
| 2025 | $2.81B | $715.48M | 55.43% | 33.30% | 25.50% |
Frequently asked questions
What is Bank Ozk's revenue?
Bank Ozk's trailing twelve-month revenue is $1.56B. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is OZK?
In its most recent fiscal year, OZK ran a gross margin of 55.43%, an operating margin of 33.30%, and a net margin of 25.50%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does OZK generate?
OZK produced $731.73M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is OZK's balance sheet healthy?
OZK holds $2.83B in cash and equivalents against $463.58M in long-term debt, on $6.13B of shareholder equity. Cash on hand exceeds long-term debt, so the balance sheet adds little financial risk to the thesis.