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Bank OZK (NASDAQ:OZK)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
50.65-0.66 (-1.29%)
Market cap
$5.53B
Insider Score
Health Score
Analyst consensus
Listed since
Jul 17, 1997
Website
Insider Score
––Not scored
OZK Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Strong
From OZK’s reported statements · Q3 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $2.43B
- Net income
- $675.1M
- Net margin
- 27.8%
Leverage20 / 20
Little or no net debt.
- Total debt
- $1.21B
- Cash
- $1.15B
- Net debt / EBITDA
- 0.09x
Liquidity11 / 20
Covers near-term obligations, without much room.
- Current assets
- $1.15B
- Current liabilities
- $848.4M
- Current ratio
- 1.36
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $650.4M
- Free cash flow
- $576.4M
- FCF margin
- 23.7%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 112.2M
- Share growth (1y)
- -1.1%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
OZK Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 391.48 M | 672.89 M | 661.55 M | 704.61 M | 731.11 M | 699.63 M |
| Revenue Growth (YoY) | -46.45 % | -3.82 % | -1.33 % | 1.30 % | 2.16 % | 0.43 % |
| Cost of Revenue | 0.00 | 288.48 M | 285.40 M | 314.53 M | 329.49 M | 306.81 M |
| Gross Profit | 391.48 M | 384.42 M | 376.15 M | 390.08 M | 401.62 M | 392.82 M |
| SG&A Expense | 117.86 M | 105.48 M | 105.89 M | 87.69 M | 103.89 M | 97.40 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 117.86 M | 170.65 M | 164.54 M | 161.65 M | 159.31 M | 153.16 M |
| Operating Income | 273.62 M | 213.77 M | 211.61 M | 228.43 M | 242.31 M | 239.66 M |
| Pretax Income | 213.66 M | 213.77 M | 211.61 M | 228.43 M | 242.31 M | 239.66 M |
| Tax Provision | 45.30 M | 46.40 M | 48.25 M | 52.52 M | 57.74 M | 56.66 M |
| Net Income | 168.36 M | 167.37 M | 163.36 M | 175.96 M | 184.58 M | 182.98 M |
| EPS (Basic) | 1.50 | 1.49 | 1.44 | 1.54 | 1.59 | 1.59 |
| EPS (Diluted) | 1.50 | 1.49 | 1.44 | 1.53 | 1.59 | 1.58 |
| Shares Outstanding | 112.24 M | 109.70 M | 110.64 M | 110.38 M | 113.54 M | 112.91 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.