Bank OZK logo OZK - Bank OZK

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 4
HOLD 17
SELL 1
STRONG
SELL
0
| PRICE TARGET: $58.00 DETAILS
HIGH: $62.00
LOW: $51.00
MEDIAN: $59.50
CONSENSUS: $58.00
UPSIDE: 20.48%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue
Revenue 2,805.8 2,774.0 2,250.7 1,380.6 1,186.8 1,177.1 1,262.6 1,201.1 1,045.4 755.6 506.9 366.8 277.1 249.4 241.6 188.4 217.0 202.4 199.9 178.4 132.1 103.5 86.3 72.6 67.5 66.3 56.7 43.9 30.4 23.7
Cost of Revenue 1,250.5 1,291.4 854.2 207.3 3.6 395.8 304.6 273.8 143.3 84.8 47.0 37.9 30.7 33.3 42.2 50.3 92.4 103.3 105.5 86.9 46.6 27.9 24.0 24.7 33.8 39.4 30.3 22.5 14.1 11.5
Gross Profit 1,555.3 1,482.6 1,396.6 1,173.3 1,183.2 781.3 958.0 927.3 902.2 670.7 459.9 329.0 246.4 216.1 199.4 138.1 124.6 99.0 94.4 91.5 85.5 75.5 62.3 47.9 33.7 26.9 26.4 21.4 16.3 12.2
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 389.2 342.2 305.3 244.8 228.5 228.1 213.5 196.8 171.3 140.2 104.4 92.9 78.4 72.0 68.8 50.9 58.9 30.1 29.7 29.1 24.8 22.1 19.4 15.3 10.6 8.9 8.8 7.2 5.3 4.3
Other Expenses 231.9 209.1 224.2 206.9 201.8 177.0 180.2 176.4 150.3 106.2 78.7 63.6 36.5 33.1 (20.9) (3.4) 9.7 24.3 18.5 17.3 15.3 15.5 12.6 9.6 10.1 8.0 7.7 6 4 2.9
Operating Expenses 621.1 551.3 529.6 451.7 430.3 405.1 393.7 373.2 321.6 246.4 183.1 156.5 115.0 105.1 47.9 47.5 68.6 54.4 48.3 46.4 40.1 37.6 32.0 24.9 20.6 17.0 16.5 13.2 9.3 7.2
Operating Income
Operating Income 934.3 931.3 867.0 721.5 752.9 376.2 564.3 554.1 580.5 424.4 276.8 172.4 131.4 111.0 151.5 90.5 55.9 44.6 46.2 45.1 45.4 37.9 30.3 23.0 13.0 9.9 9.9 8.2 7 5
Interest Expense 1,078.0 1,115.9 688.7 123.8 81.6 192.2 278.4 209.4 115.2 61.0 27.6 21.0 18.6 21.6 30.4 34.3 47.6 84.3 99.4 84.5 44.3 24.6 20.1 21.1 30.4 37.1 27.8 20.5 13 10
Interest Income 2,670.1 2,649.6 2,128.2 1,266.1 1,071.3 1,080.8 1,162.5 1,100.8 932.6 662.6 409.7 291.4 212.2 195.9 199.2 158.0 165.9 183.0 177.0 155.2 112.9 85.2 68.9 60.9 60.1 60.8 51.6 38.9 27.5 21.8
Profitability
EBITDA 934.3 1,020.5 930.8 777.0 796.1 420.0 606.8 589.5 620.1 453.5 294.2 185.4 141.4 119.8 158.5 95.4 60.2 48.4 49.7 47.2 47.5 40.7 33.2 24.7 14.8 11.6 11.5 9.3 7.6 5.6
EBIT 934.3 931.3 867.0 721.5 752.9 376.2 564.3 554.1 586.1 428.5 276.8 172.4 131.4 111.0 151.5 90.5 55.9 44.6 46.2 45.1 45.4 37.9 30.3 23.0 13.0 9.9 9.9 8.2 7 5
Income Before Tax 934.3 931.3 867.0 721.5 752.9 376.2 564.3 554.1 580.5 424.4 276.8 172.4 131.4 111.0 151.5 90.5 55.9 44.6 46.2 45.1 45.4 37.9 30.3 23.0 13.0 9.9 9.9 8.2 7 5
Income Tax Expense 218.8 214.8 176.2 157.4 173.9 84.3 138.4 137.0 158.6 154.3 94.5 53.9 40.1 33.9 50.2 26.6 12.9 9.9 14.4 13.4 14.0 12.0 10.1 8.5 4.1 2.3 2.5 2.6 2.5 2
Net Income 715.5 716.5 690.8 564.1 579.0 291.9 425.9 417.1 421.9 270.0 182.3 118.6 91.2 77.0 101.3 64.0 43.1 34.2 31.7 31.7 31.5 25.9 20.2 14.4 9.0 7.6 7.4 5.6 4.5 3
Per Share Data
EPS (Basic) 6.21 6.16 5.89 4.55 4.49 2.26 3.30 3.24 3.36 2.59 2.10 1.53 1.21 1.11 1.50 0.94 0.55 0.51 0.47 0.48 0.47 0.39 0.32 0.24 0.15 0.10 0.11 0.09 0.09 0.07
EPS (Diluted) 6.17 6.14 5.87 4.54 4.47 2.26 3.30 3.24 3.35 2.58 2.09 1.52 1.20 1.10 1.50 0.94 0.55 0.51 0.47 0.47 0.47 0.39 0.31 0.23 0.15 0.10 0.11 0.09 0.09 0.07
Shares Outstanding 110.4 113.6 114.5 120.3 129.1 129.3 128.9 128.6 125.5 104.2 86.8 77.5 72.0 69.4 69.0 67.9 67.6 67.4 67.2 66.7 66.6 65.6 63.6 61.3 60.7 60.4 60 60.1 52.2 45.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996
Current Assets
Cash & Cash Equivalents 0 2,781.1 2,149.5 1,033.5 2,053.8 2,393.7 1,495.8 290.7 440.4 866.4 78.3 41.0 41.5 28.8 25.2 31.3 20.5 24.6 15 15.6 6.8
Short-Term Investments 0 565.5 3,244.4 3,491.6 3,916.7 3,405.4 2,277.4 2,862.3 2,593.9 1,471.6 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 174.0 170.1 125.1 83.0 88.1 75.2 82.0 64.6 51.9 14.8 18.9 8.6 7.0 6.0 5.8 8.9 7.2 5.5 3 2.6
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 3,066.5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 3,066.5 3,520.6 5,564.0 4,650.2 6,053.6 5,887.1 3,848.4 3,235.0 3,098.9 2,389.9 93.1 59.9 50.1 35.9 31.2 37.2 29.4 31.8 20.5 18.6 9.4
Non-Current Assets
Property, Plant & Equipment 922.0 739.1 676.8 678.4 695.9 738.8 711.5 567.2 519.8 504.1 156.2 152.6 65.2 50.3 39.0 33.1 30.5 30.5 27.2 13.4 6.9
Goodwill 660.8 660.8 660.8 660.8 660.8 660.8 660.8 660.8 660.8 660.1 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 2.8 8.3 14.7 23.8 35.7 48.3 60.9 5.6 5.7 8.6 6.4 6.0 5.8 3.1 7.2 3.7 3 2.6
Long-Term Investments 0 31,774.0 26,119.7 20,569.9 18,105.4 18,913.3 17,423.5 17,015.6 15,948.9 14,486.6 2,371.2 2,936.5 1,553.0 1,259.6 939.1 794.5 757.2 724.5 559.4 314.2 251
Other Non-Current Assets (1,582.8) 1,564.4 1,216.2 1,094.5 1,006.5 947.9 887.8 873.8 999.0 788.6 144.8 78.7 51.9 34.4 23.8 3.7 6.8 5.9 1.6 4.5 1.9
Total Non-Current Assets 0 34,738.2 28,673.4 23,006.4 20,476.8 21,275.5 19,707.4 19,153.0 18,176.8 16,500.3 2,677.8 3,173.4 1,676.7 1,350.7 1,004.6 834.2 797.5 764.2 591.9 333.5 261.2
Total Assets 40,785.8 38,258.9 34,237.5 27,656.6 26,530.4 27,162.6 23,555.7 22,388.0 21,275.6 18,890.1 2,770.8 3,233.3 1,726.8 1,386.5 1,035.9 871.4 827.0 796 612.4 352.1 270.6
Current Liabilities
Account Payables 0 0 0 233.9 186.8 251.9 221.8 216.4 186.2 72.6 0 27.5 3.9 3.9 5.4 3.9 3.1 3 2.4 1.8 2.3
Short-Term Debt 0 0 0 0 6.1 8.0 11.2 20.6 69.3 65.1 44.3 46.9 33.2 29.9 20.7 16.2 13.8 9 26.8 14 12.7
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 3,832.9 31,043.1 27,405.1 21,500.1 20,209.1 21,450.4 18,474.3 17,938.4 17,192.3 15,574.9 2,029.0 2,341.4 1,379.9 1,062.1 790.2 677.7 677.7 595.9 529 295.6 231.7
Total Current Liabilities 3,832.9 31,043.1 27,405.1 21,734.0 20,402.1 21,710.3 18,707.3 18,175.3 17,634.0 15,712.6 2,073.3 2,443.3 1,417.0 1,099.7 816.3 697.8 697.8 607.9 560 311 246.7
Non-Current Liabilities
Long-Term Debt 463.6 883.0 1,274.7 1,075.2 1,223.5 1,095.5 695.0 439.3 364.0 382.7 407.5 489.9 188.4 192.2 129.4 99.7 66.7 127 12.4 5.1 5.4
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities (463.6) 626.5 417.6 156.4 65.5 81.5 0 0 (186.2) 0 17.6 (27.5) 0 (3.9) 0 0 (3.1) (0.1) (1) (0.1) 0
Total Non-Current Liabilities 0 1,509.6 1,692.3 1,231.6 1,289.0 1,176.9 695.0 439.3 177.9 382.7 425.1 462.4 188.4 188.3 129.4 99.7 63.6 126.9 11.4 5 5.4
Total Liabilities 34,656.0 32,552.7 29,097.5 22,965.6 21,691.1 22,887.2 19,402.3 18,614.7 17,811.9 16,095.3 2,498.3 2,905.7 1,605.4 1,288.0 945.7 797.5 761.4 734.8 572 316.4 252.1
Stockholders' Equity
Common Stock 1.1 1.1 1.1 1.2 1.3 1.3 1.3 1.3 1.3 1.2 0.2 0.2 0.2 0.2 0.1 0.0 0.0 0 0 0 0
Retained Earnings 4,317.3 3,816.1 3,283.8 2,773.1 2,378.5 1,946.9 1,870.0 1,565.2 1,250.3 914.4 221.2 193.2 92.3 71.3 54.8 42.7 35.5 31 25.9 21.2 17.3
Accumulated Other Comprehensive Income (24.9) (76.1) (97.4) (177.6) 23.8 58.3 27.3 (34.1) (12.7) (25.9) 6.0 15.6 (1.8) (0.1) 1.1 (0.5) (1.5) (1.5) 0.1 0.2 0.1
Total Stockholders' Equity 6,129.9 5,705.6 5,139.0 4,689.6 4,836.2 4,272.3 4,150.4 3,770.3 3,460.7 2,791.6 269.0 324.2 121.4 98.5 72.9 56.6 48.3 43.9 40.4 35.7 18.5
Total Liabilities & Equity 40,785.8 38,258.9 34,237.5 27,656.6 26,530.4 27,162.6 23,555.7 22,388.0 21,275.6 18,890.1 2,770.8 3,233.3 1,726.8 1,386.5 1,035.9 871.4 827.0 796 612.4 352.1 270.6
Debt Metrics
Total Debt 463.6 883.0 1,274.7 1,075.2 1,229.6 1,103.5 706.2 459.9 433.4 447.8 451.8 536.8 221.6 222.1 150.1 115.9 80.5 136 39.2 19.1 18.1
Net Debt 463.6 (1,898.1) (874.8) 41.8 (824.2) (1,290.2) (789.5) 169.2 (7.0) (418.6) 373.5 495.8 180.1 193.3 124.9 84.6 60.0 111.4 24.2 3.5 11.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 715.5 716.5 690.8 564.1 579.0 291.9 425.9 417.1 421.9 270.1 31.5 25.9 20.2 14.4 9.0 7.6 7.4 5.6 4.5 3
Depreciation & Amortization 0 89.2 63.8 55.5 43.1 43.8 42.5 35.4 34.1 25.0 2.1 2.7 2.9 1.8 1.7 1.7 1.6 1.1 0.6 0.6
Stock-Based Compensation 0 20.7 17.4 13.2 16.0 14.8 14.2 14.1 12.3 10.8 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (183.2) (212.4) 11.5 (14.7) 12.0 (36.4) 48.6 172.7 (235.2) (7.5) (0.9) 2.5 (2.1) 1.9 3.8 (1.4) (2.5) (2) (0.9) (0.2)
Other Non-Cash Items 305.5 164.1 150.9 83.0 (60.7) 184.1 (5.6) 32.9 (47.3) (69.2) (0.6) 3.1 8.9 4.2 (9.0) 1.5 6.1 (2.3) (0.7) (0.3)
Operating Cash Flow 837.7 834.5 881.6 764.9 528.2 551.9 424.6 705.3 384.5 241.9 32.1 34.8 30.2 21.4 4.9 9.8 12.7 2.2 3.5 2.8
Investing Activities
Capital Expenditure (106.0) (95.6) (29.1) (29.9) (33.9) (49.6) (98.7) (86.8) (38.9) (45.2) (27.0) (17.4) (12.2) (7.5) (4.0) (1.6) (5) (14.1) (7.3) (1)
Acquisitions (0.6) (25.4) (92.2) (74.3) (156.2) (106.2) (28.0) 0 0 203.7 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (724.8) (575.9) (241.7) (960.4) (3,731.0) (2,499.6) 0 (825.2) (1,610.1) (652.1) (273.4) (243.4) (478.8) (175.9) (177.7) (12.2) (151.4) (255.1) (43) (32.9)
Sales/Maturities of Investments 984.2 997.1 574.9 1,088.2 3,114.3 1,386.7 648.8 496.6 488.2 183.3 133.7 171.2 346.0 133.1 247.4 20.5 62.2 124.5 37.7 34.4
Other Investing Activities (2,495.1) (3,552.9) (5,742.5) (2,453.9) 947.0 (1,703.5) (401.5) (1,111.1) (1,469.6) (1,974.0) (238.0) (248.4) (154.7) (123.3) (93.7) (45.2) (86.9) (87.2) (59.5) (60.1)
Investing Cash Flow (2,342.3) (3,252.6) (5,530.5) (2,430.2) 140.2 (2,972.2) 120.6 (1,526.5) (2,630.4) (2,284.2) (404.7) (338.0) (299.8) (173.6) (28.0) (38.5) (181.1) (231.9) (72.1) (59.6)
Financing Activities
Net Debt Issuance (420.3) (384.5) 198.7 (149.7) 118.3 396.3 254.7 74.4 (19.6) (163.9) 163.2 (0.5) 53.6 34.2 35.4 (55.5) 95.3 21.6 1 6.3
Stock Repurchased (144.5) (8.5) (160.1) (355.5) (195.4) (1.9) (1.7) (3.8) 0 (3.3) 0 0 0 0 0 0 0 0 0 0
Dividends Paid (213.0) (195.6) (179.2) (168.9) (146.5) (139.3) (121.1) (102.2) (88.7) (62.2) (6.2) (4.9) (3.7) (2.4) (1.7) (1.6) (1.5) (0.9) (0.6) (0.9)
Other Financing Activities 2,341.9 3,638.3 5,905.7 1,319.0 (1,123.6) 3,063.0 527.9 703.0 1,628.5 3,047.1 213.6 320.3 221.7 112.4 0.1 81.8 84.2 208.5 63.8 49.2
Financing Cash Flow 1,557.3 3,049.7 5,765.1 644.9 (1,008.2) 3,318.2 659.8 671.4 1,819.9 2,817.7 371.6 315.9 273.2 146.1 33.7 24.7 178 229.2 77.4 54.6
Cash Position
Net Change in Cash 0 631.6 1,116.1 (1,020.4) (339.8) 897.9 1,205.1 (149.7) (426.0) 775.4 (1.0) 12.7 3.7 (6.2) 10.6 (4.0) 9.6 (15.6) 8.8 (9.1)
Cash at Beginning 0 2,149.5 1,033.5 2,053.8 2,393.7 1,495.8 290.7 440.4 866.4 91.0 41.5 28.8 25.2 31.3 20.7 24.6 15 15.6 6.8 9.1
Cash at End 0 2,781.1 2,149.5 1,033.5 2,053.8 2,393.7 1,495.8 290.7 440.4 866.4 40.6 41.5 28.8 25.2 31.3 20.5 24.6 0 15.6 0
Free Cash Flow 731.7 738.8 852.4 735.1 494.3 502.3 326.0 618.6 345.6 196.8 5.1 17.4 17.9 13.9 0.9 8.2 7.7 (11.9) (3.8) 1.8
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Income Statement
Revenue 2,805.8 2,774.0 2,250.7 1,380.6 1,186.8 1,177.1 1,262.6 1,201.1 1,045.4 755.6 506.9 366.8 277.1 249.4 241.6 188.4 217.0 202.4 199.9 178.4 132.1 103.5 86.3 72.6 67.5 66.3 56.7 43.9 30.4 23.7
Gross Profit 1,555.3 1,482.6 1,396.6 1,173.3 1,183.2 781.3 958.0 927.3 902.2 670.7 459.9 329.0 246.4 216.1 199.4 138.1 124.6 99.0 94.4 91.5 85.5 75.5 62.3 47.9 33.7 26.9 26.4 21.4 16.3 12.2
Operating Income 934.3 931.3 867.0 721.5 752.9 376.2 564.3 554.1 580.5 424.4 276.8 172.4 131.4 111.0 151.5 90.5 55.9 44.6 46.2 45.1 45.4 37.9 30.3 23.0 13.0 9.9 9.9 8.2 7 5
Net Income 715.5 716.5 690.8 564.1 579.0 291.9 425.9 417.1 421.9 270.0 182.3 118.6 91.2 77.0 101.3 64.0 43.1 34.2 31.7 31.7 31.5 25.9 20.2 14.4 9.0 7.6 7.4 5.6 4.5 3
EPS (Diluted) 6.17 6.14 5.87 4.54 4.47 2.26 3.30 3.24 3.35 2.58 2.09 1.52 1.20 1.10 1.50 0.94 0.55 0.51 0.47 0.47 0.47 0.39 0.31 0.23 0.15 0.10 0.11 0.09 0.09 0.07
Balance Sheet
Cash & Equivalents 0 2,781.1 2,149.5 1,033.5 2,053.8 2,393.7 1,495.8 290.7 440.4 866.4 78.3 41.0 41.5 28.8 25.2 31.3 20.5 24.6 15 15.6 6.8
Total Assets 40,785.8 38,258.9 34,237.5 27,656.6 26,530.4 27,162.6 23,555.7 22,388.0 21,275.6 18,890.1 2,770.8 3,233.3 1,726.8 1,386.5 1,035.9 871.4 827.0 796 612.4 352.1 270.6
Total Debt 463.6 883.0 1,274.7 1,075.2 1,229.6 1,103.5 706.2 459.9 433.4 447.8 451.8 536.8 221.6 222.1 150.1 115.9 80.5 136 39.2 19.1 18.1
Stockholders' Equity 6,129.9 5,705.6 5,139.0 4,689.6 4,836.2 4,272.3 4,150.4 3,770.3 3,460.7 2,791.6 269.0 324.2 121.4 98.5 72.9 56.6 48.3 43.9 40.4 35.7 18.5
Cash Flow
Operating Cash Flow 837.7 834.5 881.6 764.9 528.2 551.9 424.6 705.3 384.5 241.9 32.1 34.8 30.2 21.4 4.9 9.8 12.7 2.2 3.5 2.8
Capital Expenditure (106.0) (95.6) (29.1) (29.9) (33.9) (49.6) (98.7) (86.8) (38.9) (45.2) (27.0) (17.4) (12.2) (7.5) (4.0) (1.6) (5) (14.1) (7.3) (1)
Free Cash Flow 731.7 738.8 852.4 735.1 494.3 502.3 326.0 618.6 345.6 196.8 5.1 17.4 17.9 13.9 0.9 8.2 7.7 (11.9) (3.8) 1.8