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Home CompaniesBank Ozk

Bank Ozk

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
50.2 USD -0.28 ( 0.55%)
Last update at 2026-11-12T15:26:00Z
VOLUME
99200
Market Cap
5232.77M
P/E
7.79

Momentum Score

…

Bank OZK provides various retail and commercial banking services for individuals and businesses in the United States. The company offers 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 also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts, as well as corporate trust services, including trustee, paying agent and registered transfer agent services, and other related services. In addition, the company offers treasury management services comprising automated clearing house, wire transfer, 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. Further, it provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and affordable housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. Additionally, the company offers ATMs; telephone, online, and mobile banking services; credit and debit cards; safe deposit boxes; and other products and services. 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
50.06
Low
50.55
High
52 Week Price Range
33.29
Low
51.47
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Bank OZK is a regional commercial bank headquartered in Little Rock, Arkansas that provides deposit, lending and treasury services to businesses and individuals across the Southeast and select U.S. markets. Long-term growth may be supported by loan expansion, selective geographic growth and net-interest-margin improvement, and investors may view the bank as attractive due to its focused lending franchise and stable deposit base.
Principal risks include concentration in commercial real estate, sensitivity to interest-rate and deposit-funding pressures, and regional economic downturns that could weaken asset quality.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
50.48
Dividend Yield
3.35%
Revenue TTM
1398.51M
Revenue Per Share
12.31
Gross Profit TTM
1152.15M
Debt / Equity
0.25
ROE
13.89%
Net Debt
-874.80M
ROCE
3.30%
Diluted EPS TTM
5.93

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 721.53M 752.92M 376.18M 564.34M 554.06M
Minority interest 0.05M -0.03M 3.08M 3.12M 3.04M
Net income 564.14M 579.00M 291.90M 425.91M 417.11M
Selling general administrative 235.98M 225.75M 222.08M 206.28M 198.95M
Selling and marketing expenses 8.80M 2.77M 6.05M 7.24M 11.56M
Gross profit 1249.03M 1096.96M 984.91M 984.26M 991.68M
Reconciled depreciation 43.99M 43.13M 43.79M 42.51M 35.44M
Ebit 845.41M 752.89M 376.21M 564.34M 763.47M
Ebitda 889.40M 796.02M 420.00M 606.84M 798.91M
Depreciation and amortization 43.99M 43.13M 43.79M 42.51M 35.44M
Operating income 845.41M 752.89M 376.21M 564.34M 763.47M
Other operating expenses 403.62M 344.07M 608.70M 419.93M 228.21M
Interest expense 123.83M 81.59M 192.16M 278.36M 209.39M
Tax provision 157.44M 173.89M 84.31M 138.43M 136.98M
Interest income 1266.07M 1071.31M 1080.78M 1162.54M 1100.82M
Net interest income 1142.24M 989.72M 888.62M 884.18M 891.43M
Income tax expense 157.44M 173.89M 84.31M 138.43M 136.98M
Total revenue 1249.03M 1096.96M 984.91M 984.26M 991.68M
Total operating expenses -403.62M -344.07M -608.70M -419.93M -228.21M
Cost of revenue - - - - 273.79M
Total other income expense net -123.88M 0.03M -0.03M 0.00M -209.41M
Net income from continuing ops 564.09M 579.03M 291.87M 425.91M 417.08M
Net income applicable to common shares 547.52M 579.00M 291.90M 425.91M 417.11M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 34237.46M 27656.57M 26530.43M 27162.60M 23555.73M
Intangible assets 676.82M 2.75M 8.27M 14.67M 23.75M
Earning assets - - - - 2299.24M
Other current assets 2381.36M 125.13M 15180.23M 16455.85M 16033.90M
Total liab 29097.48M 22965.63M 21691.07M 22887.24M 19402.26M
Total stockholder equity 5139.00M 4689.58M 4836.24M 4272.27M 4150.35M
Other current liab 7758.33M -233.86M -186.84M -251.94M -221.79M
Common stock 1.13M 1.17M 1.25M 1.29M 1.29M
Capital stock 340.11M 340.15M 340.23M 1.29M 1.29M
Retained earnings 3283.82M 2773.14M 2378.47M 1946.88M 1869.98M
Other liab - 156.42M 71.61M 81.48M -
Good will 660.79M 660.79M 660.79M 660.79M 660.79M
Other assets - 18163.99M 15180.23M 16455.85M 16033.90M
Cash 2149.53M 1033.45M 2053.83M 2393.66M 1495.76M
Total current liabilities 8582.25M 233.86M 186.84M 251.94M 221.79M
Net debt -874.80M 41.75M -836.46M -1298.21M -800.79M
Short term debt 823.91M - - - -
Short long term debt total 1274.73M 1075.20M 1217.37M 1095.45M 694.97M
Other stockholder equity 1612.45M 1753.94M 2093.70M 2265.85M 2251.82M
Property plant equipment - 678.40M 695.86M 738.84M 711.54M
Total current assets 2381.36M 4650.20M 6053.59M 5887.09M 3848.35M
Long term investments 3244.37M 3500.43M 3931.69M 3405.35M 2277.39M
Net tangible assets - 3687.06M 3828.20M 3596.81M 3465.81M
Short term investments 3244.37M 3491.61M 3916.73M 3405.35M 2277.39M
Net receivables 170.11M 125.13M 83.03M 88.08M 75.21M
Long term debt 1274.73M 1075.20M 1217.37M 1095.45M 694.97M
Inventory 1979.42M 6.62M 5.74M 11.09M 19.10M
Accounts payable - 233.86M 186.84M 251.94M 221.79M
Accumulated other comprehensive income -97.37M -177.65M 23.84M 58.25M 27.25M
Common stock total equity - - - 1.29M 1.29M
Non currrent assets other 1120.07M -4842.38M -5296.61M -4819.65M -3673.47M
Non current assets total 31856.10M 4842.38M 5296.61M 4819.65M 3673.47M
Long term debt total - - - - 694.97M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -2430.24M 125.75M -1159.38M 120.63M -1526.46M
Change to liabilities 0.00M 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -2430.24M 125.75M -2972.24M 120.63M -1526.46M
Net borrowings -149.66M 118.28M 396.31M 245.38M 25.61M
Total cash from financing activities 644.92M -1008.24M 3318.20M 659.81M 671.43M
Change to operating activities 39.72M 22.46M -22.77M 41.90M 190.03M
Net income 564.09M 579.03M 291.87M 425.91M 417.08M
Change in cash -1020.38M -339.83M 897.90M 1205.09M -149.72M
Begin period cash flow 2053.83M 2393.66M 1495.76M 290.67M 440.39M
End period cash flow 1033.45M 2053.83M 2393.66M 1495.76M 290.67M
Total cash from operating activities 764.95M 542.66M 551.95M 424.64M 705.31M
Issuance of capital stock 0.00M 338.98M - 0.00M 0.00M
Depreciation 43.99M 43.13M 43.79M 42.51M 35.44M
Other cashflows from investing activities 28.70M 51.71M 14.35M 38.16M -5.23M
Dividends paid 168.86M 146.51M 139.25M 121.12M 102.22M
Change to inventory -7.17M - - - -
Change to account receivables -42.24M 3.95M -13.64M 6.71M -17.36M
Sale purchase of stock -355.54M -195.42M -1.85M -1.68M -3.77M
Other cashflows from financing activities 1318.98M -440.59M 3459.31M 782.61M 797.42M
Change to netincome 151.19M -106.65M 252.67M -92.38M 80.10M
Capital expenditures 29.85M 33.92M 49.61M 98.69M 86.75M
Change in working capital 5.63M 26.41M -36.41M 48.61M 172.67M
Stock based compensation 13.21M 16.01M 14.85M 14.17M 14.13M
Other non cash items 74.21M -60.72M 184.09M -5.64M 32.93M
Free cash flow 735.09M 508.74M 502.34M 325.95M 618.56M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
OZK
Bank Ozk		 -0.28
0.55%		 50.20 7.79 7.15 3.54 1.01
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83

Profile*

Bank Ozk

Bank OZK provides various retail and commercial banking services for individuals and businesses in the United States. The company offers 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 also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts, as well as corporate trust services, including trustee, paying agent and registered transfer agent services, and other related services. In addition, the company offers treasury management services comprising automated clearing house, wire transfer, 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. Further, it provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and affordable housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. Additionally, the company offers ATMs; telephone, online, and mobile banking services; credit and debit cards; safe deposit boxes; and other products and services. 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.

18000 Cantrell Road, Little Rock, AR, United States, 72223

501 978 2265

https://www.ozk.com

2744

Name Title Year Born
Mr. George G. Gleason II Chairman & CEO 1954
Mr. Paschall Brannon Hamblen Pres 1966
Mr. Tim Hicks CPA Chief Financial Officer 1973
Ms. Cynthia Wolfe Chief Operating Officer 1966
Mr. Stan Thomas Chief Accounting Officer 1972
Mr. Patrick M. Carr Managing Director of Corp. Fin. Data & Technology 1973
Mr. Jason Cathey Chief Information Officer NA
Ms. Helen Woodyard Brown J.D. Gen. Counsel & Corp. Sec. 1978
Ms. Candace Graham Exec. VP & Director of Corp. Communication NA
Mr. Scott Trapani Chief Risk Officer 1963

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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