Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
48.30
+0.10 (0.21%)
Apr 28, 2026, 4:00 PM EDT - Market closed
Bank OZK Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 2,465 | 2,475 | 2,459 | 1,992 | 1,190 | 1,019 | Upgrade
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| Interest Income on Investments | 198.74 | 195.22 | 191.03 | 136.63 | 76.3 | 52.47 | Upgrade
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| Total Interest Income | 2,663 | 2,670 | 2,650 | 2,128 | 1,266 | 1,071 | Upgrade
|
| Interest Paid on Deposits | 1,032 | 1,049 | 1,085 | 627.05 | 94.57 | 64.42 | Upgrade
|
| Interest Paid on Borrowings | 28.17 | 29.17 | 31 | 61.64 | 29.25 | 17.17 | Upgrade
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| Total Interest Expense | 1,060 | 1,078 | 1,116 | 688.69 | 123.83 | 81.59 | Upgrade
|
| Net Interest Income | 1,603 | 1,592 | 1,534 | 1,439 | 1,142 | 989.72 | Upgrade
|
| Net Interest Income Growth (YoY) | 4.70% | 3.81% | 6.55% | 26.02% | 15.41% | 11.38% | Upgrade
|
| Trust Income | - | - | - | - | 7.99 | 8.51 | Upgrade
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| Gain (Loss) on Sale of Assets | - | - | - | - | 11.47 | 9.96 | Upgrade
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| Gain (Loss) on Sale of Investments | - | - | - | -27.77 | -18.27 | -14.57 | Upgrade
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| Other Non-Interest Income | 88.66 | 91.4 | 81.08 | 76.5 | 46.39 | 51.92 | Upgrade
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| Total Non-Interest Income | 133.5 | 135.7 | 124.41 | 94.78 | 93.4 | 98.43 | Upgrade
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| Non-Interest Income Growth (YoY) | 3.72% | 9.07% | 31.26% | 1.47% | -5.11% | 2.83% | Upgrade
|
| Revenues Before Loan Losses | 1,737 | 1,728 | 1,658 | 1,534 | 1,236 | 1,088 | Upgrade
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| Provision for Loan Losses | 176.05 | 172.51 | 175.55 | 165.47 | 83.49 | -77.94 | Upgrade
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| Revenue | 1,561 | 1,555 | 1,483 | 1,369 | 1,152 | 1,166 | Upgrade
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| Revenue Growth (YoY) | 4.82% | 4.91% | 8.31% | 18.80% | -1.20% | 49.36% | Upgrade
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| Salaries and Employee Benefits | 335.3 | 322.92 | 275.34 | 241.41 | 213.17 | 198.56 | Upgrade
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| Occupancy Expenses | 69.42 | 65.28 | 60.38 | 61.99 | 59.96 | 56.4 | Upgrade
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| Selling, General & Administrative | 57.95 | 57.95 | 52.55 | 44.18 | 32.1 | 29.18 | Upgrade
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| Other Non-Interest Expense | 175.98 | 174.91 | 163.03 | 154.21 | 126.2 | 131.06 | Upgrade
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| Total Non-Interest Expense | 638.66 | 621.07 | 551.29 | 501.79 | 431.43 | 415.2 | Upgrade
|
| EBT Excluding Unusual Items | 922.02 | 934.27 | 931.29 | 867 | 720.72 | 750.89 | Upgrade
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| Pretax Income | 922.02 | 934.27 | 931.29 | 867 | 721.53 | 752.92 | Upgrade
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| Income Tax Expense | 215.17 | 218.81 | 214.79 | 176.16 | 157.44 | 173.89 | Upgrade
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| Earnings From Continuing Operations | 706.85 | 715.46 | 716.5 | 690.84 | 564.09 | 579.03 | Upgrade
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| Minority Interest in Earnings | 0.03 | 0.02 | -0.05 | -0.06 | 0.05 | -0.03 | Upgrade
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| Net Income | 706.89 | 715.48 | 716.46 | 690.78 | 564.14 | 579 | Upgrade
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| Preferred Dividends & Other Adjustments | 16.19 | 16.19 | 16.19 | 16.19 | 16.62 | - | Upgrade
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| Net Income to Common | 690.7 | 699.29 | 700.27 | 674.6 | 547.52 | 579 | Upgrade
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| Net Income Growth | -0.84% | -0.14% | 3.72% | 22.45% | -2.57% | 98.36% | Upgrade
|
| Basic Shares Outstanding | 112 | 113 | 114 | 114 | 120 | 129 | Upgrade
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| Diluted Shares Outstanding | 112 | 113 | 114 | 115 | 121 | 130 | Upgrade
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| Shares Change (YoY) | -1.49% | -0.69% | -0.71% | -4.86% | -6.88% | 0.14% | Upgrade
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| EPS (Basic) | 6.16 | 6.20 | 6.16 | 5.89 | 4.55 | 4.49 | Upgrade
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| EPS (Diluted) | 6.15 | 6.18 | 6.14 | 5.87 | 4.54 | 4.47 | Upgrade
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| EPS Growth | 0.86% | 0.65% | 4.60% | 29.29% | 1.57% | 98.03% | Upgrade
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| Dividend Per Share | 1.780 | 1.740 | 1.580 | 1.420 | 1.260 | 1.133 | Upgrade
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| Dividend Growth | 9.88% | 10.13% | 11.27% | 12.70% | 11.26% | 5.10% | Upgrade
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| Effective Tax Rate | 23.34% | 23.42% | 23.06% | 20.32% | 21.82% | 23.09% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.