Bank OZK (OZKAP) — Financial statements
Income statement, balance sheet, and cash flow for Bank OZK — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 2,806↑1.1% | 2,774↑23.2% | 2,251↑63.0% | 1,381↑16.3% | 1,187 | |
| Cost of Revenue | 1,250↓3.2% | 1,291↑51.2% | 854↑312.0% | 207↑5581.6% | 4 | |
| Gross Profit | 1,555↑4.9% | 1,483↑6.2% | 1,397↑19.0% | 1,173↓0.8% | 1,183 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 381↑18.3% | 322↑11.2% | 289↑22.5% | 236↑4.5% | 226 | |
| Selling & Marketing Expenses | 9↓58.1% | 21↑27.4% | 16↑83.6% | 9↑217.4% | 3 | |
| SG&A Expenses | 389↑13.7% | 342↑12.1% | 305↑24.7% | 245↑7.1% | 229 | |
| Other Expenses | 232↑10.9% | 209↓6.7% | 224↑8.3% | 207↑2.6% | 202 | |
| Operating Expenses | 621↑12.7% | 551↑4.1% | 530↑17.2% | 452↑5.0% | 430 | |
| Total Costs & Expenses | 1,872↑1.6% | 1,843↑33.2% | 1,384↑110.0% | 659↑51.9% | 434 | |
| Operating Results | ||||||
| Operating Income | 934↑0.3% | 931↑7.4% | 867↑20.2% | 722↓4.2% | 753 | |
| Depreciation & Amortization | 0.00↓100.0% | 89↑39.9% | 64↑14.9% | 56↑28.7% | 43 | |
| EBITDA | 934↓8.5% | 1,021↑9.6% | 931↑19.8% | 777↓2.4% | 796 | |
| EBIT | 934↑0.3% | 931↑7.4% | 867↑20.2% | 722↓4.2% | 753 | |
| Interest & Other Income | ||||||
| Net Interest Income | 1,592↑3.8% | 1,534↑6.5% | 1,439↑26.0% | 1,142↑15.4% | 990 | |
| Interest Income | 2,670↑0.8% | 2,650↑24.5% | 2,128↑68.1% | 1,266↑18.2% | 1,071 | |
| Interest Expense | 1,078↓3.4% | 1,116↑62.0% | 689↑456.2% | 124↑51.8% | 82 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 934↑0.3% | 931↑7.4% | 867↑20.2% | 722↓4.2% | 753 | |
| Income Tax Expense | 219↑1.9% | 215↑21.9% | 176↑11.9% | 157↓9.5% | 174 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 715↓0.1% | 717↑3.7% | 691↑22.5% | 564↓2.6% | 579 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 715↓0.1% | 716↑3.7% | 691↑22.4% | 564↓2.6% | 579 | |
| Bottom-Line Net Income | 699↓0.1% | 700↑3.8% | 675↑23.2% | 548↓5.4% | 579 | |
| EPS (Basic) | 6.21↑0.8% | 6.16↑4.6% | 5.89↑29.5% | 4.55↑1.3% | 4.49 | |
| EPS (Diluted) | 6.17↑0.5% | 6.14↑4.6% | 5.87↑29.3% | 4.54↑1.6% | 4.47 | |
| Weighted Average Shares | 110↓2.9% | 114↓0.7% | 114↓4.8% | 120↓6.8% | 129 | |
| Weighted Average Diluted Shares | 112↓1.7% | 114↓0.7% | 115↓4.9% | 121↓6.9% | 130 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.