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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Bank Ozk (OZK)

Financial Services Banks - Regional
51.30 $
Closing price · As of: 31. Jul 2026
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Quality & Balance Sheet
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Basics

Market Cap
5.7$B
Shares Outstanding
109Mio.
Float
92.3%
Beta
0.9

Performance

Perf. 1M
6.70%
Perf. 3M
17.10%
Perf. 6M
11.60%
YTD Performance (%)
12.20%
52-Week-High Distance
-3.5%

Valuation

P/E
8.5
Forward P/E
7.2
PEG
2.8
P/B
1.0
P/S
2.0
EV/EBITDA
0.0
Price/FCF
8.1

Profitability

Gross Margin
100.0%
EBIT Margin
56.3%
Net Margin
45.3%
Return on Equity
11.8%
Return on Assets
1.8%

Balance Sheet & Safety

Equity Ratio
14.8%
Debt/Equity
0.1
Altman Z″
4.17
Piotroski
5 out of 9

Growth

Sales Growth Last Quarter
1.40%
EPS Growth Last Quarter
-2.00%
Sales Growth (Year)
1.15%
Forward Sales Growth
6.38%
Forward EPS Growth
8.10%

Dividend

Dividend Yield
3.73%
Dividend Per Share (TTM)
1.86$
Payout Ratio
30.3%
Years Without a Cut
22Years
Increase Streak
22Years

Quality & Screener

Stage
2
RS Rating
49
EPS Rating
31
Piotroski
5 out of 9
Fundamental Rating
C (46 out of 100)
Altman Z″
4.17

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 695.6 $M Q4 2025: Q1 · 670.5 $M Q1 2025: Q2 · 699.6 $M Q2 2025: Q3 · 731.1 $M Q3 2025: Q4 · 704.6 $M Q4 2026: Q1 · 661.5 $M Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 1.60 $ Q4 2025: Q1 · 1.51 $ Q1 2025: Q2 · 1.61 $ Q2 2025: Q3 · 1.63 $ Q3 2025: Q4 · 1.57 $ Q4 2026: Q1 · 1.47 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 26.2 % Q4 2025: Q1 · 25.6 % Q1 2025: Q2 · 26.2 % Q2 2025: Q3 · 25.2 % Q3 2025: Q4 · 25.0 % Q4 2026: Q1 · 24.7 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 153.6 $M Q4 2025: Q1 · 268.8 $M Q1 2025: Q2 · 147.2 $M Q2 2025: Q3 · 215.3 $M Q3 2025: Q4 · 206.4 $M Q4 2026: Q1 · 239.0 $M Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 121.0 $M Q4 2025: Q1 · 242.3 $M Q1 2025: Q2 · 128.1 $M Q2 2025: Q3 · 186.0 $M Q3 2025: Q4 · 175.3 $M Q4 2026: Q1 · 212.1 $M Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 7.0 % Q4 2025: Q1 · 0.6 % Q1 2025: Q2 · 0.4 % Q2 2025: Q3 · 2.2 % Q3 2025: Q4 · 1.3 % Q4 2026: Q1 · -1.3 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 3.8 % Q4 2025: Q1 · -2.3 % Q1 2025: Q2 · 3.3 % Q2 2025: Q3 · 2.3 % Q3 2025: Q4 · -1.7 % Q4 2026: Q1 · -2.2 % Q1
Price Change in Quarter (%)
2024: Q4 · 4.6 % Q4 2025: Q1 · -1.4 % Q1 2025: Q2 · 9.5 % Q2 2025: Q3 · 9.3 % Q3 2025: Q4 · -8.9 % Q4 2026: Q1 · 0.7 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 1.60 3.80 696 7.00 26.20 154 121
2025: Q1 1.51 -2.30 671 0.60 25.60 269 242
2025: Q2 1.61 3.30 700 0.40 26.20 147 128
2025: Q3 1.63 2.30 731 2.20 25.20 215 186
2025: Q4 1.57 -1.70 705 1.30 25.00 206 175
2026: Q1 1.47 -2.20 662 -1.30 24.70 239 212
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Bank OZK ist eine Full-Service-Bank mit Charter im Bundesstaat Arkansas, die Privat- und Firmenkunden-Bankdienstleistungen anbietet. Das Unternehmen bietet Einlagendienste, darunter unverzinsliche Girokonten, verzinsliche Transaktionskonten, Business-Sweep-, Spar-, Geldmarkt-, individuelle Altersvorsorge- und…

Employees3,351
HeadquartersLittle Rock, AR
Websiteozk.com
IPO Date17. Jul 1997
Next Earnings16. Jul 2026

Management

Management
Name Title Birth Year
George G. Gleason II Chairman & CEO 1954
Paschall Brannon Hamblen President 1966
Tim Hicks CPA Chief Financial Officer 1973
Cynthia Wolfe Chief Operating Officer 1966
John Carter Chief Credit Officer 1981
Stan Thomas Chief Accounting Officer 1972
Jason Cathey Chief Information Officer 1982
Tamara Gotham Chief Administrative Officer 1984
Helen Woodyard Brown J.D. General Counsel & Corporate Secretary 1978
Candace Graham Executive VP & Director of Corporate Communication

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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