Bank OZK (OZK) Key Metrics
OZK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $5.03B
- Enterprise value
- $4.48B
- P/E (TTM)
- 7.6 10-yr median 8.9
- Forward P/E
- 7.6
- PEG ratio
- 2.76
- Price / sales
- 3.2 10-yr median 3.3
- Price / book
- 0.9 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 2.0
- Dividend yield
- 4.25% $1.96 a year
- Beta
- 0.91
OZK key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOZK valuation Price multiples at each fiscal year-end price.
OZK returns How much profit the business earns on the capital it uses.
OZK per-share figures Results divided by the shares outstanding at year-end.
OZK financial health Debt, liquidity and how easily interest is covered.
OZK efficiency & capital use Working capital cycle and where the cash goes.
OZK valuation history
OZK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OZK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OZK cash returned to shareholders
OZK price vs earnings per share
OZK key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $5.16B | $5.08B | $5.72B | $4.84B | $6.03B | $4.05B | $3.94B | $2.94B | $6.10B | $5.51B |
| Enterprise value | $2.79B | $2.61B | $1.60B | $1.39B | $1.29B | −$648.1M | $1.24B | $354.0M | $3.49B | $3.62B |
| P/E ratio | 7.2 | 7.1 | 8.3 | 8.6 | 10.4 | 13.9 | 9.2 | 7.0 | 14.4 | 20.4 |
| Price / sales | 1.8 | 1.8 | 2.5 | 3.5 | 5.1 | 3.4 | 3.1 | 2.4 | 5.8 | 7.3 |
| Price / book | 0.8 | 0.9 | 1.1 | 1.0 | 1.2 | 0.9 | 0.9 | 0.8 | 1.8 | 2.0 |
| Price / free cash flow | 7.0 | 6.9 | 6.7 | 6.6 | 11.9 | 8.1 | 12.1 | 4.8 | 17.6 | 28.0 |
| Price / operating cash flow | 6.2 | 6.1 | 6.5 | 6.3 | 11.1 | 7.3 | 9.3 | 4.2 | 15.9 | 22.8 |
| EV / sales | 1.0 | 0.9 | 0.7 | 1.0 | 1.1 | -0.6 | 1.0 | 0.3 | 3.3 | 4.8 |
| EV / EBITDA | 2.6 | 2.6 | 1.7 | 1.8 | 1.6 | — | 2.0 | 0.6 | 5.6 | 8.0 |
| EV / free cash flow | 3.8 | 3.5 | 1.9 | 1.9 | 2.5 | — | 3.8 | 0.6 | 10.1 | 18.4 |
| Earnings yield | 13.9% | 14.1% | 12.1% | 11.7% | 9.6% | 7.2% | 10.8% | 14.2% | 6.9% | 4.9% |
| Free cash flow yield | 14.2% | 14.6% | 14.9% | 15.2% | 8.4% | 12.4% | 8.3% | 21.0% | 5.7% | 3.6% |
| Dividend yield | 4.1% | 3.9% | 3.1% | 3.5% | 2.4% | 3.4% | 3.1% | 3.5% | 1.5% | 1.1% |
| Shareholder yield (dividends + buybacks) | 6.9% | 4.0% | 5.9% | 10.8% | 5.7% | 3.5% | 3.1% | 3.6% | 1.5% | 1.2% |
| Share price at fiscal year-end | $46.02 | $44.53 | $49.83 | $40.06 | $46.53 | $31.27 | $30.51 | $22.83 | $48.45 | $52.59 |
| Per share | ||||||||||
| Revenue per share | $25.04 | $24.33 | $19.60 | $11.44 | $9.16 | $9.09 | $9.79 | $9.33 | $8.31 | $7.22 |
| Earnings per share | $6.38 | $6.28 | $6.02 | $4.67 | $4.47 | $2.26 | $3.30 | $3.24 | $3.35 | $2.58 |
| Operating cash flow per share | $7.48 | $7.32 | $7.68 | $6.34 | $4.19 | $4.26 | $3.29 | $5.48 | $3.06 | $2.31 |
| Free cash flow per share | $6.53 | $6.48 | $7.42 | $6.09 | $3.92 | $3.88 | $2.53 | $4.80 | $2.75 | $1.88 |
| Cash per share | $25.29 | $29.35 | $46.97 | $37.49 | $46.06 | $44.80 | $29.25 | $24.49 | $24.35 | $22.33 |
| Book value per share | $54.70 | $50.04 | $44.75 | $38.85 | $37.31 | $33.01 | $32.20 | $29.31 | $27.53 | $26.66 |
| Tangible book value per share | $48.80 | $44.25 | $33.10 | $33.36 | $32.15 | $27.79 | $26.89 | $23.90 | $21.90 | $19.78 |
| Dividends per share | $1.90 | $1.72 | $1.56 | $1.40 | $1.13 | $1.08 | $0.94 | $0.79 | $0.71 | $0.59 |
| Capex per share | $0.95 | $0.84 | $0.25 | $0.25 | $0.26 | $0.38 | $0.77 | $0.67 | $0.31 | $0.43 |
| Debt per share | $4.14 | $7.74 | $11.10 | $8.91 | $9.49 | $8.53 | $8.36 | $4.41 | $3.61 | $4.28 |
| Shares outstanding | 112.1M | 114.0M | 114.8M | 120.7M | 129.6M | 129.4M | 129.0M | 128.7M | 125.8M | 104.7M |
| Change in shares outstanding | −1.7% | −0.7% | −4.9% | −6.9% | +0.1% | +0.3% | +0.2% | +2.3% | +20.2% | +19.9% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.1% | 13.2% | 14.1% | 11.8% | 12.7% | 6.9% | 10.7% | 11.5% | 13.5% | 12.7% |
| Return on invested capital (ROIC) | 20.4% | 33.6% | 61.1% | 84.5% | — | — | 32.2% | 40.8% | 48.1% | 22.7% |
| Return on assets (ROA) | 1.8% | 2.0% | 2.2% | 2.1% | 2.2% | 1.2% | 1.9% | 1.9% | 2.1% | 1.9% |
| Return on tangible assets | 1.8% | 1.9% | 2.1% | 2.1% | 2.2% | 1.1% | 1.9% | 1.9% | 2.1% | 1.5% |
| Free cash flow margin | 26.1% | 26.6% | 37.9% | 53.2% | 42.9% | 42.7% | 25.8% | 51.5% | 33.1% | 26.0% |
| Income quality (OCF / net income) | 1.17 | 1.16 | 1.28 | 1.36 | 0.94 | 1.89 | 1.00 | 1.69 | 0.91 | 0.90 |
| Financial health | ||||||||||
| Total debt | $463.6M | $883.0M | $1.27B | $1.08B | $1.23B | $1.10B | $1.08B | $567.9M | $454.1M | $447.8M |
| Cash & short-term investments | $2.83B | $3.35B | $5.39B | $4.53B | $5.97B | $5.80B | $3.77B | $3.15B | $3.06B | $2.34B |
| Net debt | −$2.37B | −$2.46B | −$4.12B | −$3.45B | −$4.74B | −$4.70B | −$2.70B | −$2.59B | −$2.61B | −$1.89B |
| Debt / equity | 0.08 | 0.15 | 0.25 | 0.23 | 0.25 | 0.26 | 0.26 | 0.15 | 0.13 | 0.16 |
| Debt / assets | 0.01 | 0.02 | 0.04 | 0.04 | 0.05 | 0.04 | 0.05 | 0.03 | 0.02 | 0.02 |
| Net debt / EBITDA | −2.24 | −2.41 | −4.43 | −4.44 | −5.96 | −11.18 | −4.44 | −4.39 | −4.21 | −4.17 |
| Current ratio | 0.80 | 0.11 | 0.20 | 0.21 | 0.30 | 0.27 | 17.35 | 84.41 | 93.59 | 0.15 |
| Quick ratio | 0.80 | 0.11 | 0.13 | 0.27 | 0.40 | 0.39 | 24.67 | 84.33 | 93.46 | 0.15 |
| Interest coverage | 0.9 | 0.8 | 1.3 | 5.8 | 9.2 | 2.0 | 2.0 | 2.6 | 5.0 | 7.0 |
| Working capital | −$766.4M | −$27.52B | −$21.84B | −$17.08B | −$14.35B | −$15.82B | $3.63B | $18.05B | $17.24B | −$13.32B |
| Invested capital | $3.76B | $3.24B | $1.02B | $1.24B | $95.3M | −$423.3M | $1.46B | $1.19B | $854.7M | $901.4M |
| Tangible asset value | $5.47B | $5.05B | $3.80B | $4.03B | $4.17B | $3.60B | $3.47B | $3.08B | $2.75B | $2.07B |
| Net current asset value | −$31.59B | −$29.03B | −$23.53B | −$18.32B | −$15.64B | −$17.00B | −$15.55B | −$352.6M | −$387.9M | −$13.71B |
| Graham number | $88.64 | $84.12 | $77.83 | $63.92 | $61.24 | $40.92 | $48.90 | $46.22 | $45.58 | $39.33 |
| Graham net-net per share | −$282.81 | −$255.01 | −$196.69 | −$156.87 | −$129.13 | −$141.14 | −$127.01 | −$119.56 | −$116.74 | −$130.82 |
| Capital allocation | ||||||||||
| Dividends paid | $213.0M | $195.6M | $179.2M | $168.9M | $146.5M | $139.3M | $121.1M | $102.2M | $88.7M | $62.2M |
| Share buybacks (net) | $144.5M | $8.5M | $160.1M | $355.5M | $195.4M | $1.9M | $1.7M | $3.8M | $0 | $3.3M |
| Dividend payout ratio | 29.8% | 27.3% | 25.9% | 29.9% | 25.3% | 47.7% | 28.4% | 24.5% | 21.0% | 23.0% |
| Dividends + buybacks / free cash flow | 48.9% | 27.6% | 39.8% | 71.3% | 67.2% | 28.1% | 37.7% | 17.1% | 25.7% | 33.3% |
| Capex / revenue | 3.8% | 3.4% | 1.3% | 2.2% | 2.9% | 4.2% | 7.8% | 7.2% | 3.7% | 6.0% |
| Capex / operating cash flow | 12.7% | 11.5% | 3.3% | 3.9% | 6.3% | 9.0% | 23.2% | 12.3% | 10.1% | 18.7% |
| Capex / depreciation | 0.84 | 1.07 | 0.46 | 0.68 | 0.79 | 1.13 | 2.32 | 2.45 | 1.14 | 1.80 |
| Stock-based compensation / revenue | 0.8% | 0.7% | 0.8% | 1.0% | 1.3% | 1.3% | 1.1% | 1.2% | 1.2% | 1.4% |
| SG&A / revenue | 13.9% | 12.3% | 13.6% | 17.7% | 19.3% | 19.4% | 16.9% | 16.4% | 16.4% | 18.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 22.5 | 22.6 | 23.9 | 27.5 | 26.3 | 25.3 | 22.7 | 22.3 | 20.3 | 18.7 |
| Days of inventory on hand | — | — | 172.1 | -2,932.7 | -232,582.7 | -1,898.1 | -963.1 | 27.7 | 88.0 | 143.2 |
| Days payables outstanding | — | — | — | 370.3 | 21,945.0 | 218.4 | 262.5 | 268.3 | 329.7 | 268.4 |
| Cash conversion cycle (days) | — | — | — | -3,275.5 | -254,501.4 | -2,091.2 | -1,202.9 | -218.4 | -221.4 | -106.5 |
| Receivables turnover | 16.24 | 16.12 | 15.25 | 13.26 | 13.87 | 14.42 | 16.07 | 16.39 | 17.94 | 19.52 |
| Payables turnover | — | — | — | 0.99 | 0.02 | 1.67 | 1.39 | 1.36 | 1.11 | 1.36 |
| Inventory turnover | — | — | 2.12 | — | — | — | — | 13.19 | 4.15 | 2.55 |
| Asset turnover | 0.07 | 0.08 | 0.07 | 0.05 | 0.04 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 |
| Average receivables | $172.8M | $172.1M | $147.6M | $104.1M | $85.6M | $81.6M | $78.6M | $73.3M | $58.3M | $38.7M |
| Average payables | — | — | — | $210.4M | $219.4M | $236.9M | $219.1M | $201.3M | $129.4M | $62.4M |
| Average inventory | — | — | $402.7M | −$1.67B | −$2.33B | −$2.06B | −$803.7M | $20.8M | $34.5M | $33.3M |
| Intangibles / total assets | 1.6% | 1.7% | 3.9% | 2.4% | 2.5% | 2.5% | 2.9% | 3.1% | 3.3% | 3.8% |
Computed from OZK's annual financial statements (latest annual report filed December 31, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OZK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Bank OZK traded at 7.2 times earnings, against a 10-year median of 8.9. Based on the latest twelve months, the trailing P/E is 7.6 and the forward P/E is 7.6. Bank OZK earned a return on equity of 12.1% and a return on invested capital of 20.4% in fiscal 2025. It ended the year with $463.6 million of debt and $2.8 billion in cash and short-term investments, a net cash position of $2.4 billion. It returned $357.5 million to shareholders: $213.0 million in dividends and $144.5 million in share buybacks, 49% of free cash flow. The share count rose 7.0% from 104.7M to 112.1M over 9 years.
See the OZK income statement, the OZK chart for price history, or the OZK stock overview for the latest quote and news.
OZK key metrics FAQ
What is Bank OZK's P/E ratio?
Bank OZK's trailing P/E ratio is 7.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 7.6. At the end of fiscal 2025 it was 7.2, compared with a 10-year median of 8.9.
What is Bank OZK's EV/EBITDA?
Bank OZK's enterprise value was 2.6 times EBITDA at the end of fiscal 2025 (enterprise value $2.8 billion, EBITDA $1.1 billion).
What is Bank OZK's return on equity?
Bank OZK's return on equity (ROE) was 12.1% in fiscal 2025: net income of $715.5 million on average shareholders' equity of $5.9 billion.
What is Bank OZK's ROIC?
Bank OZK's return on invested capital was 20.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Bank OZK have?
Bank OZK had total debt of $463.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.08 and more cash than debt.
What is Bank OZK's dividend yield?
Bank OZK's forward dividend yield is 4.25%. Bank OZK paid $213.0 million in dividends in fiscal 2025 ($1.90 per share), a payout ratio of 29.8%.
Does Bank OZK buy back its shares?
Yes. Bank OZK spent $144.5 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.7% over the year, to 112.1M..
What is Bank OZK's free cash flow yield?
Bank OZK generated $731.7 million of free cash flow in fiscal 2025, a free cash flow yield of 14.2% on its market value at year-end ($5.2 billion).
What is Bank OZK's current ratio?
Bank OZK's current ratio was 0.80 at the end of fiscal 2025: current assets were 0.80 times current liabilities.