Bank Ozk

Bank Ozk

OZK · NASDAQ · Financial Services / Banks - Regional

50.76USD+0.31 (+0.61%)

Price History

Full chart

Market Stats

Previous Close50.45
Open50.72
Day Range49.95 – 50.83
52-Week Range41.16 – 53.18
Volume997.90K
Market Cap5.08B
P/E (TTM)7.69
Forward P/E7.64
EPS6.06
Dividend Yield3.97%
Beta0.87
50-Day Avg49.83
200-Day Avg48.54

About

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. George G. Gleason II
  • Employees3.29K
  • Headquarters18000 Cantrell Road, Little Rock, AR, United States, 72223, USA
  • Websitehttps://www.ozk.com

Leadership

  • Mr. George G. Gleason IIChairman & CEO · b. 1954
  • Mr. Paschall Brannon HamblenPresident · b. 1966
  • Mr. Tim Hicks CPAChief Financial Officer · b. 1973
  • Ms. Cynthia WolfeChief Operating Officer · b. 1966
  • Mr. John CarterChief Credit Officer · b. 1981
  • Mr. Stan ThomasChief Accounting Officer · b. 1972
  • Mr. Jason CatheyChief Information Officer · b. 1982
  • Ms. Tamara GothamChief Administrative Officer · b. 1984
  • Ms. Helen Woodyard Brown J.D.General Counsel & Corporate Secretary · b. 1978
  • Ms. Candace GrahamExecutive VP & Director of Corporate Communication

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue23.70M30.40M43.90M56.70M66.29M67.47M72.60M86.27M103.46M132.13M178.43M199.94M202.35M216.96M188.39M241.65M249.40M277.09M366.83M506.90M755.57M1.05B1.20B1.26B1.18B1.19B1.38B2.25B2.77B2.81B
Growth (%)-+28.27%+44.41%+29.16%+16.92%+1.78%+7.60%+18.83%+19.92%+27.72%+35.04%+12.06%+1.20%+7.22%-13.17%+28.27%+3.21%+11.10%+32.39%+38.18%+49.06%+38.36%+14.89%+5.13%-6.78%+0.83%+16.32%+63.03%+23.25%+1.15%
Cost of Revenue11.50M14.10M22.50M30.30M39.41M33.81M24.74M23.98M27.94M46.60M86.93M105.50M103.33M92.39M50.34M42.21M33.34M30.71M37.87M46.98M84.84M143.26M273.79M304.60M395.80M3.65M207.32M854.16M1.29B1.25B
Gross Profit12.20M16.30M21.40M26.40M26.88M33.66M47.87M62.29M75.52M85.53M91.50M94.44M99.03M124.57M138.06M199.44M216.05M246.38M328.96M459.92M670.73M902.17M927.28M958.02M781.27M1.18B1.17B1.40B1.48B1.56B
Gross Margin51.48%53.62%48.75%46.56%40.55%49.88%65.93%72.20%73.00%64.73%51.28%47.23%48.94%57.42%73.28%82.53%86.63%88.92%89.68%90.73%88.77%86.30%77.20%75.88%66.37%99.69%84.98%62.05%53.45%55.43%
Operating Expense7.20M9.30M13.20M16.50M16.96M20.62M24.91M31.99M37.60M40.08M46.39M48.25M54.40M68.63M47.52M47.93M105.05M114.96M156.51M183.15M246.37M321.64M373.22M393.69M405.10M430.27M451.72M529.56M551.29M621.07M
Operating Income5.00M7.00M8.20M9.90M9.92M13.04M22.95M30.30M37.91M45.45M45.11M46.19M44.63M55.94M90.54M151.51M111.00M131.41M172.45M276.77M424.36M580.52M554.06M564.34M376.18M752.92M721.53M867.00M931.29M934.27M
Operating Margin21.10%23.03%18.68%17.46%14.96%19.33%31.61%35.12%36.65%34.40%25.28%23.10%22.05%25.78%48.06%62.70%44.51%47.43%47.01%54.60%56.16%55.53%46.13%44.70%31.96%63.44%52.26%38.52%33.57%33.30%
EBITDA5.60M7.60M9.30M11.50M11.60M14.78M24.71M33.18M40.66M47.50M47.24M49.74M48.38M60.22M95.44M158.55M119.80M141.41M185.43M294.23M453.55M620.15M589.50M606.85M419.97M796.05M777.05M930.80M1.02B1.06B
EBITDA Margin23.63%25.00%21.18%20.28%17.49%21.90%34.03%38.46%39.30%35.95%26.47%24.88%23.91%27.76%50.66%65.61%48.03%51.04%50.55%58.05%60.03%59.32%49.08%48.06%35.68%67.07%56.28%41.36%36.79%37.77%
Net Income3.00M4.50M5.60M7.40M7.63M8.96M14.41M20.20M25.88M31.49M31.69M31.75M34.25M43.10M64.00M101.32M77.04M91.24M118.61M182.25M269.98M421.89M417.11M425.91M291.90M579.00M564.14M690.78M716.46M715.48M
Net Income Margin12.66%14.80%12.76%13.05%11.50%13.28%19.84%23.41%25.02%23.83%17.76%15.88%16.92%19.87%33.97%41.93%30.89%32.93%32.33%35.95%35.73%40.36%34.73%33.73%24.80%48.78%40.86%30.69%25.83%25.50%
R&D----------------00000---------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%---------
Interest Expense10.00M13.00M20.50M27.80M37.09M30.41M21.08M20.11M24.61M44.30M84.48M99.35M84.30M47.59M34.34M30.43M21.60M18.63M20.95M27.57M61.05M115.16M209.39M278.36M192.16M81.59M123.83M688.69M1.12B1.08B
Interest Expense % of Total Revenue42.19%42.76%46.70%49.03%55.95%45.08%29.03%23.32%23.79%33.53%47.35%49.69%41.66%21.93%18.23%12.59%8.66%6.72%5.71%5.44%8.08%11.02%17.43%22.05%16.33%6.87%8.97%30.60%40.23%38.42%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets270.60M352.10M612.40M796.00M826.95M871.38M1.04B1.39B1.73B2.13B2.53B2.71B3.23B2.77B3.27B3.84B4.04B4.79B6.77B9.88B18.89B21.28B22.39B23.56B27.16B26.53B27.66B34.24B38.26B40.79B
Total Liabilities252.10M316.40M572.00M734.80M761.35M797.51M945.68M1.29B1.61B1.99B2.35B2.52B2.91B2.50B2.95B3.42B3.53B4.16B6.77B9.88B16.10B17.81B18.61B19.40B22.89B21.69B22.97B29.10B32.55B34.66B
Total Equity18.50M35.70M40.40M43.90M48.35M56.62M72.92M98.49M121.41M149.40M174.63M190.83M324.18M269.03M320.36M424.55M507.66M624.96M908.39M1.46B2.79B3.46B3.77B4.15B4.27B4.84B4.69B5.14B5.71B6.13B
Cash6.80M15.60M15.00M24.60M20.54M31.33M25.18M28.83M41.55M40.59M42.73M47.52M40.98M78.29M49.03M58.93M207.97M195.97M150.20M90.99M866.36M440.39M290.67M1.50B2.39B2.05B1.03B2.15B2.78B2.83B
Total Debt18.10M19.10M39.20M136.00M80.54M115.90M150.10M222.09M221.62M384.87M300.61M447.57M536.76M451.77M390.41M399.61M375.26M398.95M577.19M710.25M447.77M454.12M567.85M1.08B1.10B1.23B1.08B1.27B883.04M463.58M
Net Debt11.30M3.50M24.20M111.40M60.00M84.57M124.92M193.26M180.07M344.28M257.88M400.05M495.78M373.48M341.38M340.68M167.30M202.97M105.60M231.24M-418.59M-76.37M148.66M-800.79M-1.29B-824.23M41.75M-874.80M-1.90B463.58M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.80M3.50M2.20M12.70M9.78M4.90M21.39M30.20M34.84M32.05M22.62M42.67M46.28M47.96M40.90M20.59M-15.70M59.32M96.77M201.18M241.93M384.48M705.31M424.64M551.95M542.66M764.95M881.55M834.47M837.73M
Investing Cash Flow-59.60M-72.10M-231.90M-181.10M-38.49M-28.03M-173.59M-299.78M-337.98M-404.66M-384.68M-190.56M-493.44M476.17M492.10M793.01M187.60M-84.28M-564.56M-1.33B-2.28B-2.63B-1.53B120.63M-2.97B125.75M-2.43B-5.53B-3.25B-2.34B
Financing Cash Flow54.60M77.40M229.20M178.00M24.69M33.72M146.05M273.23M315.86M371.65M364.21M152.68M440.82M-486.82M-562.26M-803.70M-22.86M12.97M422.02M1.07B2.82B1.82B671.43M659.81M3.32B-1.01B644.92M5.77B3.05B1.56B
Capital Expenditure1.00M7.30M14.10M5.00M1.57M4.05M7.50M12.25M17.42M26.97M29.46M11.90M27.90M9.20M16.88M21.14M46.10M10.11M18.07M16.80M45.17M38.86M86.75M98.69M49.61M33.92M29.85M29.14M95.62M106.00M
Free Cash Flow1.80M-3.80M-11.90M7.70M8.21M852.00K13.89M17.95M17.42M5.09M-6.84M30.77M18.18M38.76M24.02M-550.00K-61.80M49.21M78.70M184.37M196.76M345.62M618.56M325.95M502.34M508.74M735.09M852.41M738.85M731.73M
Dividends Paid900.00K600.00K900.00K1.50M1.59M1.74M2.37M3.66M4.91M6.15M6.68M7.22M8.42M12.13M10.17M12.66M17.29M25.74M36.13M47.08M62.17M88.73M102.22M121.12M139.25M146.51M168.86M179.17M195.64M212.97M
FCF to OCF64.29%-108.57%-540.91%60.63%83.94%17.39%64.95%59.44%50.00%15.87%-30.24%72.11%39.28%80.82%58.73%-2.67%393.66%82.96%81.33%91.65%81.33%89.89%87.70%76.76%91.01%93.75%96.10%96.69%88.54%87.35%
Dividend Paid to FCF50.00%-15.79%-7.56%19.48%19.34%204.11%17.05%20.41%28.21%120.89%-97.72%23.45%46.30%31.30%42.34%-2302.00%-27.98%52.31%45.91%25.53%31.60%25.67%16.53%37.16%27.72%28.80%22.97%21.02%26.48%29.10%

Earnings

Report DateJan 15, 1998Apr 14, 1998Jul 16, 1998Oct 16, 1998Jan 14, 1999Apr 7, 1999Jul 13, 1999Sep 30, 1999Feb 1, 2000Apr 14, 2000Jul 13, 2000Oct 10, 2000Jan 12, 2001Apr 12, 2001Jul 13, 2001Oct 10, 2001Jan 10, 2002Apr 12, 2002Jul 11, 2002Oct 10, 2002Jan 9, 2003Apr 10, 2003Jul 10, 2003Oct 9, 2003Jan 13, 2004Apr 13, 2004Jul 13, 2004Oct 12, 2004Jan 12, 2005Apr 12, 2005Jul 12, 2005Oct 12, 2005Jan 17, 2006Apr 12, 2006Jul 13, 2006Oct 12, 2006Jan 16, 2007Apr 11, 2007Jul 12, 2007Oct 11, 2007Jan 15, 2008Apr 10, 2008Jul 10, 2008Oct 14, 2008Jan 15, 2009Apr 13, 2009Jul 13, 2009Oct 13, 2009Jan 14, 2010Apr 28, 2010Jul 12, 2010Oct 13, 2010Jan 24, 2011Apr 13, 2011Jul 13, 2011Oct 13, 2011Jan 17, 2012Apr 12, 2012Jul 12, 2012Oct 11, 2012Jan 16, 2013Apr 11, 2013Jul 11, 2013Oct 10, 2013Jan 16, 2014Apr 14, 2014Jul 14, 2014Oct 14, 2014Jan 15, 2015Apr 13, 2015Jul 13, 2015Oct 13, 2015Jan 14, 2016Apr 11, 2016Jul 11, 2016Oct 11, 2016Jan 17, 2017Apr 11, 2017Jul 12, 2017Oct 11, 2017Jan 16, 2018Apr 12, 2018Jul 11, 2018Oct 18, 2018Jan 17, 2019Apr 17, 2019Jul 18, 2019Oct 17, 2019Jan 16, 2020Apr 23, 2020Jul 23, 2020Oct 22, 2020Jan 21, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 20, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 19, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 18, 2024Apr 17, 2024Jul 17, 2024Oct 17, 2024Jan 16, 2025Apr 15, 2025Jul 17, 2025Oct 15, 2025Jan 20, 2026Apr 21, 2026Jul 21, 2026Oct 15, 2026
EPS Estimate0.020.020.020.020.020.020.03-0.030.030.030.010.020.030.030.030.040.040.030.060.060.070.070.080.080.100.090.100.100.110.110.120.120.120.120.120.110.100.110.120.130.120.130.120.130.130.130.120.130.120.140.150.170.170.200.210.250.260.260.280.280.280.290.300.320.320.340.390.430.460.510.540.550.560.590.610.690.720.730.740.750.850.890.910.830.850.850.820.760.610.380.590.780.850.920.960.970.951.021.171.301.381.431.451.501.461.521.541.441.401.531.661.551.431.461.44
EPS Actual0.020.020.020.020.020.030.030.030.030.030.030.020.030.030.030.040.040.050.070.060.070.070.080.080.090.090.100.100.110.110.120.120.130.130.120.120.110.110.120.130.120.120.130.130.140.140.140.130.140.240.160.170.320.210.200.280.260.260.280.280.300.280.280.310.330.330.350.430.440.460.520.540.710.570.600.690.730.730.730.750.750.860.890.640.900.860.860.810.780.090.390.840.931.141.161.001.171.021.101.081.341.411.471.491.571.511.521.551.561.471.581.591.531.441.49-
Surprise0.00%0.00%0.00%0.00%0.00%50.00%0.00%-0.00%0.00%0.00%100.00%50.00%0.00%0.00%33.33%0.00%25.00%133.33%0.00%16.67%0.00%14.29%0.00%12.50%-10.00%11.11%0.00%10.00%0.00%9.09%0.00%8.33%8.33%0.00%0.00%0.00%10.00%9.09%8.33%-7.69%0.00%0.00%8.33%7.69%7.69%7.69%8.33%7.69%100.00%14.29%13.33%88.24%23.53%0.00%33.33%4.00%0.00%7.69%0.00%7.14%0.00%-3.45%3.33%3.13%3.13%2.94%10.26%2.33%0.00%1.96%0.00%29.09%1.79%1.69%13.11%5.80%1.39%0.00%1.35%0.00%1.18%0.00%-29.67%8.43%1.18%1.18%-1.22%2.63%-85.25%2.63%42.37%19.23%34.12%26.09%4.17%20.62%7.37%7.84%-7.69%3.08%2.17%2.80%2.76%4.67%3.42%0.00%0.65%8.33%5.00%3.27%-4.22%-1.29%0.70%2.05%-
TimingPre-marketPre-market--------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.08B
Enterprise Value4.54B
Trailing P/E7.69
Forward P/E7.64
PEG Ratio2.76
Price / Sales3.27
Price / Book0.86
EPS6.06
Book Value54.47
Revenue (TTM)1.55B
Gross Profit (TTM)1.55B
Profit Margin44.53%
Operating Margin55.61%
Return on Equity11.33%
Return on Assets1.66%
Shares Outstanding109.04M
Shares Float100.60M
Beta0.87
Dividend Yield3.97%
Dividend Rate1.86
Payout Ratio30.74%

Analyst Ratings

Hold
Based on 9 analystsTarget 54.56
  • Strong Buy
    1
  • Buy
    1
  • Hold
    6
  • Strong Sell
    1

Ownership Breakdown

Institutions
99.39%
Insiders
6.83%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    10.94M10.03%
  • Dimensional Fund Advisors, Inc.
    6.68M6.13%
  • State Street Corp
    6.14M5.63%
  • Vanguard Portfolio Management, LLC
    5.35M4.91%
  • Wasatch Advisors LP
    4.70M4.31%
  • Vanguard Capital Management, LLC
    4.69M4.30%
  • Charles Schwab Investment Management Inc
    3.84M3.53%
  • American Century Companies Inc
    3.67M3.37%
  • Geode Capital Management, LLC
    3.17M2.91%
  • First Trust Advisors L.P.
    3.04M2.79%
  • CapTrust Financial Advisors
    2.32M2.13%
  • 1832 Asset Management L.P
    1.64M1.51%
  • AQR Capital Management LLC
    1.61M1.48%
  • Van Berkom and Associates Inc
    1.60M1.47%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    3.59M3.29%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.38M3.10%
  • Avantis US Small Cap Value ETF
    3.29M3.02%
  • Schwab US Dividend Equity ETF™
    2.80M2.57%
  • Vanguard Small Cap Index
    2.45M2.24%
  • First Trust SMID Cp Rising Div Achv ETF
    1.95M1.79%

Dividends

20264×
0.49Oct 13, 20260.48Jul 13, 20260.47Apr 13, 20260.46Jan 13, 2026
20254×
0.45Oct 14, 20250.44Jul 11, 20250.43Apr 14, 20250.42Jan 14, 2025
20244×
0.41Oct 11, 20240.40Jul 12, 20240.39Apr 11, 20240.38Jan 12, 2024
20234×
0.37Oct 12, 20230.36Jul 13, 20230.35Apr 13, 20230.34Jan 13, 2023
20224×
0.33Oct 13, 20220.32Jul 14, 20220.31Apr 13, 20220.30Jan 13, 2022
20214×
0.29Oct 14, 20210.28Jul 9, 20210.28Apr 9, 20210.28Jan 14, 2021

Stock Splits

  • Jun 24, 20142:1
  • Aug 17, 20112:1
  • Dec 11, 20032:1
  • Jun 18, 20022:1