profit from every $100 of sales.
$0$100
Bank OZK
$50.76+0.60% today
+15.4% in 1 year
1-year low $42.641-year high $53.09
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $7.65 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bank OZK sold, what it kept, and what it did with the cash.
Sales went from $1.26 billion in 2022 to $1.73 billion in 2025, with $715 million of profit last year.
SalesProfit
Bank OZK handed back 50% of the cash it generated last year.
Buybacks $151M$213M
Free cash flow 2025$732M
Bought back its own shares$151M
Paid as dividends$213M
Cash vs. debt$2.8B vs. $464M
Bank OZK vs. similar companies
Bank OZK grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Bank OZK | 7.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bank OZK's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,257 | 1,562 | 1,658 | 1,728 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 564 | 691 | 716 | 715 | |
| 4.54 | 5.87 | 6.14 | 6.18 | |
| – | – | – | – | |
| – | – | – | – | |
| 44.9% | 44.2% | 43.2% | 41.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 27,657 | 34,237 | 38,259 | 40,786 |
| Cash | 1,033 | 2,150 | 2,781 | 2,834 |
| Total debt | 1,075 | 1,275 | 883 | 464 |
| Total liabilities | 22,966 | 29,097 | 32,553 | 34,656 |
| 4,690 | 5,139 | 5,706 | 6,130 | |
| 121 | 115 | 114 | 113 | |
| – | – | – | – | |
| 12.0% | 13.4% | 12.6% | 11.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 765 | 882 | 834 | 838 | |
| 30 | 29 | 96 | 106 | |
| 735 | 852 | 739 | 732 | |
| Dividends paid | 169 | 179 | 196 | 213 |
| 356 | 159 | 8 | 151 | |
| 13 | 17 | 21 | 23 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 7.6×
- 8.6×
- 0.71
- 0.8×
- 3.2×
- 13.1%
- 3.9%
Profitability
- 41.4%
- 1.7%
- 10.4%
- 11.6%
- 1.7%
Growth
- +11.2%
- +10.8%
- +10.1%
- −3.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 36%of 832
Top 27%of 709
Top 14%of 885
Top 38%of 876
Top 17%of 930
What analysts expect
- Average price target
- $58.00
- Range
- $51.00 – $62.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 1.44 | 1.46 | −1.4% |
| Jan 20, 2026 | 1.53 | 1.56 | −1.9% |
| Oct 16, 2025 | 1.59 | 1.65 | −3.6% |
| Jul 17, 2025 | 1.58 | 1.51 | +4.6% |
| Apr 16, 2025 | 1.47 | 1.41 | +4.3% |
| Jan 16, 2025 | 1.56 | 1.45 | +7.6% |
| Oct 17, 2024 | 1.54 | 1.54 | +0.0% |
| Jul 17, 2024 | 1.53 | 1.52 | +0.7% |
3.9%of the share price, paid each year
On $1,000 invested$39a year at today's yield, before tax
+10.1%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.55 in 2015 → $1.74 in 2025
How safe it looks
29.8% of its profit
Room to growStretchedMore than it earns: 29.1%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
73Pass
Benjamin Graham
96Pass
Philip Fisher
76Pass
Peter Lynch
69Pass
Joel Greenblatt
29No pass
Charlie Munger
71Pass
Terry Smith
63Pass
Questions about Bank OZK
Is Bank OZK a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bank OZK AI analysis
What does Bank OZK do?
Bank OZK provides various retail and commercial banking services. It is in Banks - Regional, based in Little Rock, AR, United States, with 3,351 employees.
Does Bank OZK pay a dividend?
Yes. At today's price the dividend is 3.9% a year, about 30% of its yearly profit. In 2025 it paid out $213 million in dividends.
Is Bank OZK stock halal?
No. Bank OZK does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bank OZK stock done over the past year?
Up 15.4% over the past twelve months, to $50.76. It traded between $42.64 and $53.09 and is 4.4% below its high.
Who are Bank OZK's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bank OZK's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.