Bank OZK (OZKAP) Financials: History & Chart

Bank OZK(OZKAP)

Banks - Regional · Little Rock, AR

$14.76-0.04 (-0.30%)

Delayed quote: Oct 6, 2026, 1:57 PM EDT

About Bank OZK

Bank OZK operates as a comprehensive financial institution, providing a wide array of retail and commercial banking solutions. Its deposit offerings are diverse, encompassing non-interest-bearing checking, interest-bearing transaction accounts, business sweep accounts, savings, money market, and individual retirement accounts, alongside various time deposit options. The company's lending portfolio is equally broad, extending financing for real estate, consumer and business purposes, recreational vehicles and marine assets, commercial and industrial ventures, and agricultural operations. They also provide government-guaranteed loans, small business loans, homebuilder financing, and affordable housing solutions. Furthermore, Bank OZK supports business aviation and offers subscription financing services, in addition to a range of mortgage and other specialized lending products. Beyond core banking, Bank OZK delivers extensive trust and wealth management services. These include managing personal, custodial, investment, and retirement accounts. For corporate clients, it provides corporate trust services, such as acting as trustee, paying agent, and registered transfer agent, among other related offerings. Its treasury management services are designed to support business operations, featuring automated clearing house (ACH) transactions, wire transfers, detailed transaction reporting, wholesale lockbox services, and remote deposit capture. The bank also facilitates automated credit line transfers, reconciliation services, positive pay systems, and merchant and commercial card services, in addition to zero balance and investment sweep accounts. Complementing these services are essential banking conveniences like ATMs, telephone, online, and mobile banking platforms, as well as debit and credit cards, and safe deposit boxes. Bank OZK also processes merchant debit and credit card transactions. As of December 31, 2021, Bank OZK maintained a network of approximately 240 branches situated across several states, including Arkansas, Georgia, Florida, North Carolina, Texas, South Carolina, California, New York, and Mississippi. The institution, initially established as Bank of the Ozarks in 1903, rebranded to Bank OZK in July 2018. Its corporate headquarters are located in Little Rock, Arkansas.

Little Rock, AR

3,280 employees

www.ozk.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: George G. Gleason

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	2.77B	672.89M	661.55M	704.61M	731.11M	699.63M	670.46M	695.58M	715.66M
Cost of Goods Sold	1.22B	288.48M	285.40M	314.53M	329.49M	306.81M	299.64M	320.41M	339.10M
Gross Profit	1.55B	384.42M	376.15M	390.08M	401.62M	392.82M	370.82M	375.17M	376.56M
Gross Profit Margin	56.0%	57.1%	56.9%	55.4%	54.9%	56.1%	55.3%	53.9%	52.6%
Total Operating Expenses	656.14M	170.65M	164.54M	161.65M	159.31M	153.16M	146.95M	140.13M	140.40M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	402.94M	105.48M	105.89M	87.69M	103.89M	97.40M	93.03M	87.40M	87.46M
Operating Income (EBIT)	896.13M	213.77M	211.61M	228.43M	242.31M	239.66M	223.86M	235.04M	236.16M
Operating Margin	32.3%	31.8%	32.0%	32.4%	33.1%	34.3%	33.4%	33.8%	33.0%
Income Before Tax (EBT)	896.13M	213.77M	211.61M	228.43M	242.31M	239.66M	223.86M	235.04M	236.16M
Interest Income	2.63B	635.02M	629.02M	671.01M	695.03M	668.34M	635.74M	662.63M	682.05M
Interest Expense	1.03B	242.87M	243.45M	263.96M	281.17M	271.60M	261.23M	283.24M	292.65M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	691.28M	167.37M	163.36M	175.96M	184.58M	182.98M	171.96M	182.18M	181.19M
Income Tax Expense	204.91M	46.40M	48.25M	52.52M	57.74M	56.66M	51.89M	52.83M	54.95M
Net Profit Margin	25.0%	24.9%	24.7%	25.0%	25.2%	26.2%	25.6%	26.2%	25.3%
EBITDA	999.49M	255.00M	243.18M	228.43M	272.87M	280.04M	243.62M	269.32M	253.35M
EBITDA Margin	36.1%	37.9%	36.8%	32.4%	37.3%	40.0%	36.3%	38.7%	35.4%
Depreciation & Amortization	103.36M	41.23M	31.57M	0.00	30.56M	40.38M	19.76M	34.29M	17.20M
EPS Basic	6.06	1.49	1.44	1.54	1.59	1.59	1.48	1.57	1.56
EPS Diluted	6.05	1.49	1.44	1.53	1.59	1.58	1.47	1.56	1.55
Weighted Average Basic Shares	109.70M	109.70M	110.64M	110.38M	113.54M	112.91M	113.81M	113.64M	113.65M
Weighted Average Diluted Shares	109.70M	109.70M	110.92M	112.07M	113.54M	113.77M	114.22M	114.02M	114.03M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	2.81B	2.77B	2.25B	1.38B	1.19B	1.18B	1.26B	1.20B
Cost of Goods Sold	1.25B	1.29B	854.16M	207.32M	3.65M	395.80M	304.60M	273.79M
Gross Profit	1.56B	1.48B	1.40B	1.17B	1.18B	781.27M	958.02M	927.28M
Gross Profit Margin	55.4%	53.4%	62.0%	85.0%	99.7%	66.4%	75.9%	77.2%
Total Operating Expenses	621.07M	551.29M	529.56M	451.72M	430.27M	405.10M	393.69M	373.22M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	389.17M	342.18M	305.35M	244.78M	228.52M	228.13M	213.52M	196.78M
Operating Income (EBIT)	934.27M	931.29M	867.00M	721.53M	752.92M	376.18M	564.34M	554.06M
Operating Margin	33.3%	33.6%	38.5%	52.3%	63.4%	32.0%	44.7%	46.1%
Income Before Tax (EBT)	934.27M	931.29M	867.00M	721.53M	752.92M	376.18M	564.34M	554.06M
Interest Income	2.67B	2.65B	2.13B	1.27B	1.07B	1.08B	1.16B	1.10B
Interest Expense	1.08B	1.12B	688.69M	123.83M	81.59M	192.16M	278.36M	209.39M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	715.48M	716.46M	690.78M	564.14M	579.00M	291.90M	425.91M	417.11M
Income Tax Expense	218.81M	214.79M	176.16M	157.44M	173.89M	84.31M	138.43M	136.98M
Net Profit Margin	25.5%	25.8%	30.7%	40.9%	48.8%	24.8%	33.7%	34.7%
EBITDA	1.06B	1.02B	930.80M	777.05M	796.05M	419.97M	606.85M	589.50M
EBITDA Margin	37.8%	36.8%	41.4%	56.3%	67.1%	35.7%	48.1%	49.1%
Depreciation & Amortization	125.59M	89.24M	63.80M	55.52M	43.13M	43.79M	42.51M	35.44M
EPS Basic	6.21	6.16	5.89	4.55	4.49	2.26	3.30	3.24
EPS Diluted	6.17	6.14	5.87	4.54	4.47	2.26	3.30	3.24
Weighted Average Basic Shares	110.38M	113.63M	114.46M	120.28M	129.06M	129.32M	128.93M	128.59M
Weighted Average Diluted Shares	112.07M	114.02M	114.83M	120.70M	129.62M	129.44M	129.01M	128.74M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.