Bank Ozk - Understand $ozk stock

$OZK Market Cap: $5.444 Billion

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$693.2M

TTM

Current Assets

Current Liabilities

$481.1M

Q3 2024

Current Ratio

Total Assets

$37.44B

Q3 2024

Total Liabilities

$31.85B

Q3 2024

Book Value

$5.593B

Q3 2024

Cash

P/E

7.853

Nov 29, 2024 EST

Free Cash Flow

$804.4M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$33.71M	$36.96M	$35.90M	$36.00M	$35.20M	$35.40M	$34.10M	$25.00M	$17.50M	$13.00M	$10.00M	$8.800M	$7.100M	$4.900M	$4.300M	$3.800M	$3.600M	$3.300M	$3.100M	$2.800M	$2.100M	$1.800M	$1.800M	$1.800M	$1.700M	$1.200M	$700.0K	$700.0K	$500.0K
YoY Change	-8.79%	2.95%	-0.28%	2.27%	-0.56%	3.81%	36.4%	42.86%	34.62%	30.0%	13.64%	23.94%	44.9%	13.95%	13.16%	5.56%	9.09%	6.45%	10.71%	33.33%	16.67%	0.0%	0.0%	5.88%	41.67%	71.43%	0.0%	40.0%	25.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$867.0M	$721.5M	$752.9M	$376.2M	$564.3M	$554.1M	$580.5M	$424.4M	$276.8M	$172.4M	$131.4M	$111.0M	$151.5M	$90.50M	$55.90M	$44.60M	$46.20M	$45.10M	$45.40M	$37.90M	$30.30M	$23.00M	$13.00M	$8.300M	$9.100M	$8.300M	$7.000M	$5.000M	$3.100M
YoY Change	20.16%	-4.17%	100.13%	-33.33%	1.84%	-4.55%	36.78%	53.32%	60.56%	31.2%	18.38%	-26.73%	67.4%	61.9%	25.34%	-3.46%	2.44%	-0.66%	19.79%	25.08%	31.74%	76.92%	56.63%	-8.79%	9.64%	18.57%	40.0%	61.29%	-32.61%
Income Tax	$176.2M	$157.4M	$173.9M	$84.30M	$138.4M	$137.0M	$108.8M	$154.3M	$94.50M	$53.90M	$40.10M	$33.90M	$50.20M	$26.60M	$12.90M	$9.900M	$14.40M	$13.40M	$14.00M	$12.00M	$10.10M	$8.500M	$4.100M	$2.300M	$2.500M	$2.600M	$2.500M	$2.000M	$800.0K
% Of Pretax Income	20.32%	21.82%	23.1%	22.41%	24.53%	24.72%	18.74%	36.36%	34.14%	31.26%	30.52%	30.54%	33.14%	29.39%	23.08%	22.2%	31.17%	29.71%	30.84%	31.66%	33.33%	36.96%	31.54%	27.71%	27.47%	31.33%	35.71%	40.0%	25.81%
Net Earnings	$674.6M	$547.5M	$579.0M	$291.9M	$425.9M	$417.1M	$421.9M	$270.0M	$182.3M	$118.6M	$91.20M	$77.00M	$101.3M	$64.00M	$43.10M	$34.70M	$31.70M	$31.70M	$31.50M	$25.90M	$20.20M	$14.40M	$9.000M	$6.000M	$6.600M	$5.600M	$4.500M	$3.000M	$2.200M
YoY Change	23.21%	-5.44%	98.36%	-31.46%	2.11%	-1.14%	56.26%	48.11%	53.71%	30.04%	18.44%	-23.99%	58.28%	48.49%	24.21%	9.46%	0.0%	0.63%	21.62%	28.22%	40.28%	60.0%	50.0%	-9.09%	17.86%	24.44%	50.0%	36.36%	-26.67%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$5.88	$4.224M	$4.468M	$2.256M	$3.302M	$3.241M	$3.354M	$2.579M	$2.088M	$1.519M	$1.260M	$1.103M	$1.468M	$938.4K	$637.6K	$514.1K	$471.0K	$471.7K	$469.4K	$389.5K	$310.3K	$229.3K	$147.5K	$99.17K	$108.7K	$91.65K	$85.71K	$65.08K	$47.52K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$676.8M	$678.4M	$696.0M	$739.0M	$712.0M	$567.0M	$520.0M	$504.0M	$296.0M	$274.0M	$245.0M	$226.0M	$187.0M	$170.0M	$156.0M	$153.0M	$130.0M	$117.0M	$89.00M	$65.00M	$50.00M	$39.00M	$33.00M	$31.00M	$31.00M	$27.00M	$13.00M	$7.000M	$6.000M
YoY Change	-0.23%	-2.53%	-5.82%	3.79%	25.57%	9.04%	3.17%	70.27%	8.03%	11.84%	8.41%	20.86%	10.0%	8.97%	1.96%	17.69%	11.11%	31.46%	36.92%	30.0%	28.21%	18.18%	6.45%	0.0%	14.81%	107.69%	85.71%	16.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$34.24B	$27.66B	$26.53B	$27.16B	$23.56B	$22.39B	$21.28B	$18.89B	$9.879B	$6.766B	$4.791B	$4.040B	$3.842B	$3.273B	$2.771B	$3.233B	$2.711B	$2.529B	$2.135B	$1.727B	$1.387B	$1.036B	$871.0M	$827.0M	$796.0M	$612.0M	$352.0M	$271.0M	$212.0M
YoY Change
Accounts Payable	$255.8M	$233.9M	$123.0M	$179.0M	$157.0M	$216.0M	$186.0M	$73.00M	$52.00M	$37.00M	$43.00M	$53.00M	$70.00M	$18.00M	$18.00M	$28.00M	$12.00M	$9.000M	$9.000M	$4.000M	$4.000M	$5.000M	$4.000M	$3.000M	$3.000M	$2.000M	$2.000M	$2.000M	$2.000M
YoY Change	9.37%	90.13%	-31.28%	14.01%	-27.31%	16.13%	154.79%	40.38%	40.54%	-13.95%	-18.87%	-24.29%	288.89%	0.0%	-35.71%	133.33%	33.33%	0.0%	125.0%	0.0%	-20.0%	25.0%	33.33%	0.0%	50.0%	0.0%	0.0%	0.0%
Accrued Expenses	$69.90M	$56.50M	$64.00M	$73.00M	$65.00M
YoY Change	23.72%	-11.72%	-12.33%	12.31%
Deferred Revenue
YoY Change
Short-Term Debt			$6.000M	$8.000M	$11.00M	$21.00M	$69.00M	$65.00M	$66.00M	$66.00M	$53.00M	$310.0M	$335.0M	$325.0M	$387.0M	$472.0M	$383.0M	$236.0M	$341.0M	$177.0M	$175.0M	$150.0M	$116.0M	$81.00M	$136.0M	$1.000M
YoY Change			-25.0%	-27.27%	-47.62%	-69.57%	6.15%	-1.52%	0.0%	24.53%	-82.9%	-7.46%	3.08%	-16.02%	-18.01%	23.24%	62.29%	-30.79%	92.66%	1.14%	16.67%	29.31%	43.21%	-40.44%	13500.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$255.8M	$233.9M	$187.0M	$252.0M	$222.0M	$216.0M	$186.0M	$73.00M	$52.00M	$37.00M	$43.00M	$53.00M	$70.00M	$18.00M	$18.00M	$28.00M	$12.00M	$9.000M	$9.000M	$4.000M	$4.000M	$5.000M	$4.000M	$3.000M	$3.000M	$2.000M	$2.000M	$2.000M	$2.000M
YoY Change	9.37%	25.06%	-25.79%	13.51%	2.78%	16.13%	154.79%	40.38%	40.54%	-13.95%	-18.87%	-24.29%	288.89%	0.0%	-35.71%	133.33%	33.33%	0.0%	125.0%	0.0%	-20.0%	25.0%	33.33%	0.0%	50.0%	0.0%	0.0%	0.0%
Long-Term Debt	$1.275B	$1.075B	$1.217B	$1.095B	$695.0M	$439.0M	$364.0M	$383.0M	$322.0M	$256.0M	$346.0M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$44.00M	$44.00M	$47.00M	$18.00M	$17.00M	$17.00M	$17.00M	$12.00M	$5.000M	$5.000M	$4.000M
YoY Change	18.56%	-11.65%	11.14%	57.55%	58.31%	20.6%	-4.96%	18.94%	25.78%	-26.01%	432.31%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	47.73%	0.0%	-6.38%	161.11%	5.88%	0.0%	0.0%	41.67%	140.0%	0.0%	25.0%
Other Long-Term Liabilities	$161.8M	$156.4M	$72.00M	$81.00M
YoY Change	3.46%	117.25%	-11.11%
Total Long-Term Liabilities	$1.437B	$1.232B	$1.289B	$1.176B	$695.0M	$439.0M	$364.0M	$383.0M	$322.0M	$256.0M	$346.0M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$65.00M	$44.00M	$44.00M	$47.00M	$18.00M	$17.00M	$17.00M	$17.00M	$12.00M	$5.000M	$5.000M	$4.000M
YoY Change	16.64%	-4.45%	9.61%	69.21%	58.31%	20.6%	-4.96%	18.94%	25.78%	-26.01%	432.31%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	47.73%	0.0%	-6.38%	161.11%	5.88%	0.0%	0.0%	41.67%	140.0%	0.0%	25.0%
Total Liabilities	$29.10B	$22.97B	$21.69B	$22.89B	$19.41B	$18.62B	$17.82B	$16.10B	$8.415B	$5.858B	$4.162B	$3.533B	$3.417B	$2.953B	$2.502B	$2.909B	$2.520B	$2.355B	$1.985B	$1.605B	$1.288B	$963.0M	$815.0M	$779.0M	$752.0M	$572.0M	$316.0M	$252.0M	$196.0M
YoY Change	26.7%	5.87%	-5.22%	17.96%	4.23%	4.51%	10.66%	91.31%	43.65%	40.75%	17.8%	3.39%	15.71%	18.03%	-13.99%	15.44%	7.01%	18.64%	23.68%	24.61%	33.75%	18.16%	4.62%	3.59%	31.47%	81.01%	25.4%	28.57%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $5.4436 Billion

About Bank OZK

Bank OZK engages in the provision of community banking services. The company is headquartered in Little Rock, Arkansas and currently employs 2,744 full-time employees. The Bank offers a range of products, including checking, savings, loans, mortgages, treasury management, merchant services, trust and estate services, wealth, and credit cards, among others. Its savings products include certificate of deposits, money market accounts, and individual retirement accounts. Its personal lending options include home equity lines of credit, personal lines of credit and auto loans. The company offers both a fixed rate mortgage and an adjustable-rate mortgage. Its online banking enables users to manage their accounts, pay bills, transfer funds, view electronic account statements and others. The Bank also provides individual consultation, financial planning, trust, and investment management services. The Bank conducts banking operations with over 240 offices in eight states, including Arkansas, Georgia, Florida, North Carolina, Texas, New York, California, and Mississippi.

Industry: UNKNOWN Peers: Cadence Bank FIRST INTERSTATE BANCSYSTEM INC HOME BANCSHARES INC OLD NATIONAL BANCORP /IN/ PNC FINANCIAL SERVICES GROUP, INC. ServisFirst Bancshares, Inc. UMB FINANCIAL CORP UNITED BANKSHARES INC/WV WINTRUST FINANCIAL CORP