Bank OZK (OZK) Income Statement
OZK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOZK revenue and net income
Where OZK's revenue goes
2025Each bar shows an amount and its share of revenue. OZK kept 25.5% of revenue as net income.
OZK profit margins
OZK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +1.1% | +26.7% | +19.0% | +18.7% |
| Gross profit | +4.9% | +9.9% | +14.8% | +13.0% |
| Operating income | +0.3% | +9.0% | +20.0% | +12.9% |
| Net income | −0.1% | +8.2% | +19.6% | +14.7% |
| EPS (diluted) | +0.5% | +10.8% | +22.4% | +10.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OZK quarterly EPS vs estimates
Bank OZK beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 20, 2026 (estimate $1.45).
OZK income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.81B | $2.77B | $2.25B | $1.38B | $1.19B | $1.18B | $1.26B | $1.20B | $1.05B | $755.6M |
| Cost of revenue | $1.25B | $1.29B | $854.2M | $207.3M | $3.6M | $395.8M | $304.6M | $273.8M | $143.3M | $84.8M |
| Gross profit | $1.56B | $1.48B | $1.40B | $1.17B | $1.18B | $781.3M | $958.0M | $927.3M | $902.2M | $670.7M |
| Research & development | — | — | — | — | — | — | — | — | — | $0 |
| Sales, general & admin | $389.2M | $342.2M | $305.3M | $244.8M | $228.5M | $228.1M | $213.5M | $196.8M | $171.3M | $140.2M |
| Total operating expenses | $621.1M | $551.3M | $529.6M | $451.7M | $430.3M | $405.1M | $393.7M | $373.2M | $321.6M | $246.4M |
| Operating income | $934.3M | $931.3M | $867.0M | $721.5M | $752.9M | $376.2M | $564.3M | $554.1M | $580.5M | $424.4M |
| Interest income | $2.67B | $2.65B | $1.92B | $1.27B | $1.07B | $1.08B | $1.16B | $1.10B | $932.6M | $662.6M |
| Interest expense | $1.08B | $1.12B | $688.7M | $123.8M | $81.6M | $192.2M | $278.4M | $209.4M | $115.2M | $61.0M |
| Income before taxes | $934.3M | $931.3M | $867.0M | $721.5M | $752.9M | $376.2M | $564.3M | $554.1M | $580.5M | $424.4M |
| Income taxes | $218.8M | $214.8M | $176.2M | $157.4M | $173.9M | $84.3M | $138.4M | $137.0M | $158.6M | $154.3M |
| Net income | $715.5M | $716.5M | $690.8M | $564.1M | $579.0M | $291.9M | $425.9M | $417.1M | $421.9M | $270.0M |
| EBITDA | $1.06B | $1.02B | $930.8M | $777.0M | $796.1M | $420.0M | $606.8M | $589.5M | $620.1M | $453.5M |
| EPS (diluted) | $6.17 | $6.14 | $5.94 | $4.54 | $4.47 | $2.25 | $3.31 | $3.29 | $2.96 | $2.59 |
| Gross margin | 55.4% | 53.4% | 62.0% | 85.0% | 99.7% | 66.4% | 75.9% | 77.2% | 86.3% | 88.8% |
| Operating margin | 33.3% | 33.6% | 38.5% | 52.3% | 63.4% | 32.0% | 44.7% | 46.1% | 55.5% | 56.2% |
| Net margin | 25.5% | 25.8% | 30.7% | 40.9% | 48.8% | 24.8% | 33.7% | 34.7% | 40.4% | 35.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $672.9M | $661.5M | $704.6M | $731.1M | $699.6M | $670.5M | $695.6M | $715.7M | $696.6M | $666.1M | $650.4M | $591.2M |
| Cost of revenue | $288.5M | $285.4M | $314.5M | $329.5M | $306.8M | $299.6M | $320.4M | $339.1M | $328.9M | $303.0M | $278.8M | $242.3M |
| Gross profit | $384.4M | $376.2M | $390.1M | $401.6M | $392.8M | $370.8M | $375.2M | $376.6M | $367.8M | $363.1M | $371.6M | $349.0M |
| Sales, general & admin | $105.5M | $105.9M | $87.7M | $103.9M | $97.4M | $93.0M | $87.4M | $87.5M | $85.6M | $81.7M | $87.2M | $73.4M |
| Total operating expenses | $170.6M | $164.5M | $161.6M | $159.3M | $153.2M | $147.0M | $140.1M | $140.4M | $137.5M | $133.3M | $152.8M | $129.0M |
| Operating income | $213.8M | $211.6M | $228.4M | $242.3M | $239.7M | $223.9M | $235.0M | $236.2M | $230.3M | $229.8M | $218.7M | $220.0M |
| Interest income | $635.0M | $629.0M | $671.0M | $695.0M | $668.3M | $635.7M | $662.6M | $682.1M | $667.8M | $637.1M | $605.5M | $565.5M |
| Interest expense | $242.9M | $243.4M | $264.0M | $281.2M | $271.6M | $261.2M | $283.2M | $292.7M | $279.8M | $260.1M | $234.9M | $198.3M |
| Income before taxes | $213.8M | $211.6M | $228.4M | $242.3M | $239.7M | $223.9M | $235.0M | $236.2M | $230.3M | $229.8M | $218.7M | $220.0M |
| Income taxes | $46.4M | $48.2M | $52.5M | $57.7M | $56.7M | $51.9M | $52.8M | $55.0M | $52.8M | $54.2M | $43.6M | $46.1M |
| Net income | $167.4M | $163.4M | $176.0M | $184.6M | $183.0M | $172.0M | $182.2M | $181.2M | $177.5M | $175.5M | $175.1M | $173.8M |
| EBITDA | $255.0M | $243.2M | $228.4M | $272.9M | $280.0M | $243.6M | $269.3M | $259.3M | $256.0M | $247.5M | $227.9M | $233.8M |
| EPS (diluted) | $1.49 | $1.44 | $1.53 | $1.59 | $1.58 | $1.47 | $1.56 | $1.55 | $1.52 | $1.51 | $1.57 | $1.49 |
| Gross margin | 57.1% | 56.9% | 55.4% | 54.9% | 56.1% | 55.3% | 53.9% | 52.6% | 52.8% | 54.5% | 57.1% | 59.0% |
| Operating margin | 31.8% | 32.0% | 32.4% | 33.1% | 34.3% | 33.4% | 33.8% | 33.0% | 33.1% | 34.5% | 33.6% | 37.2% |
| Net margin | 24.9% | 24.7% | 25.0% | 25.2% | 26.2% | 25.6% | 26.2% | 25.3% | 25.5% | 26.4% | 26.9% | 29.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OZK's financial statements (latest annual report filed December 31, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OZK financial results
In fiscal year 2025 (ended December 31, 2025), Bank OZK reported revenue of $2.8 billion, up 1.1% from the year before. It had net income of $715.5 million (down 0.1%), a net profit margin of 25.5%. Diluted earnings per share came to $6.17. Over five years revenue grew at an average rate of 19.0% a year.
See the OZK stock overview for the latest quote and news, or the OZK chart for price history and technical indicators.
OZK income statement FAQ
What is Bank OZK's annual revenue?
Bank OZK reported total revenue of $2.8 billion for fiscal year 2025, which ended on December 31, 2025. That was up 1.1% from $2.8 billion the previous year.
Is Bank OZK profitable?
Yes. Bank OZK reported net income of $715.5 million in fiscal 2025, a net profit margin of 25.5%; its operating margin was 33.3%.
What is Bank OZK's gross margin?
Bank OZK's gross margin was 55.4% in fiscal 2025: for every $100 of revenue, Bank OZK kept $55 after the direct cost of its products and services.
How fast is Bank OZK growing?
Revenue grew 19.0% a year on average over the last five fiscal years, from $1.2 billion to $2.8 billion.
What are Bank OZK's earnings per share?
Bank OZK earned $6.17 per diluted share in fiscal 2025, compared with $6.14 a year earlier.
When will Bank OZK report its next earnings?
Bank OZK is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 after the market closes.
When does Bank OZK's fiscal year end?
Bank OZK's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on December 31, 2025.