Bank OZK Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.7B+4.2% YoYTTM through 31 Dec 2025
Net Income $699.3MTTM through 31 Dec 2025
Free Cash Flow $731.7MTTM through 31 Dec 2025
Margins
| Current | |
|---|---|
| Operating Margin | 54.1% |
| Net Margin | 40.5% |
Returns
12.1%ROE
1.7%ROA
17.6%ROIC
Balance Sheet Health
Debt / Equity0.18x
Net Debt-$4.4Bnet cash position
Cash & Equivalents$2.8B
Quality Metrics
FCF Margin42.3%
Rule of 4042.5
Earnings-Beat Rate50.0%
Dividend
$1.41Per share, FY20263.49%Yield+4.5%5-yr growth
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Real Estate Specialties Group (RESG) | View detailsElevated repayments expected throughout 2026, leading to a continued reduction in loan concentration before returning to long-term growth. | ||
| Corporate & Institutional Banking (CIB) | View detailsExpected to grow significantly and contribute to portfolio diversification. |
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