Bank OZK has been growing earnings at an average annual rate of 7.7%, while the Banks industry saw earnings growing at 3% annually. Revenues have been growing at an average rate of 8.9% per year. Bank OZK's return on equity is 11.5%, and it has net margins of 44.3%.
Key information
7.65%
Earnings growth rate
10.75%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
8.94%
Return on equity
11.48%
Net Margin
44.26%
Last Earnings Update
31 Mar 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Bank OZK makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
NasdaqGS:OZKA.P Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
1,561
691
463
0
31 Dec 25
1,555
699
446
0
30 Sep 25
1,539
706
431
0
30 Jun 25
1,514
702
412
0
31 Mar 25
1,490
697
402
0
31 Dec 24
1,483
700
388
0
30 Sep 24
1,461
693
378
0
30 Jun 24
1,425
686
364
0
31 Mar 24
1,399
680
354
0
31 Dec 23
1,369
675
348
0
30 Sep 23
1,335
662
339
0
30 Jun 23
1,272
621
333
0
31 Mar 23
1,211
585
317
0
31 Dec 22
1,152
548
305
0
30 Sep 22
1,131
538
298
0
30 Jun 22
1,129
540
291
0
31 Mar 22
1,145
559
287
0
31 Dec 21
1,166
579
284
0
30 Sep 21
1,117
550
281
0
30 Jun 21
1,084
529
281
0
31 Mar 21
957
428
278
0
31 Dec 20
781
292
276
0
30 Sep 20
767
272
274
0
30 Jun 20
760
267
268
0
31 Mar 20
835
327
266
0
31 Dec 19
959
426
259
0
30 Sep 19
973
440
248
0
30 Jun 19
939
410
245
0
31 Mar 19
937
415
239
0
31 Dec 18
932
417
238
0
30 Sep 18
919
448
235
0
30 Jun 18
951
470
223
0
31 Mar 18
936
446
219
0
31 Dec 17
913
422
211
0
30 Sep 17
892
364
209
0
30 Jun 17
855
344
210
0
31 Mar 17
764
307
191
0
31 Dec 16
680
270
171
0
30 Sep 16
596
234
151
0
30 Jun 16
514
204
129
0
31 Mar 16
490
194
125
0
31 Dec 15
465
182
122
0
30 Sep 15
426
166
118
0
30 Jun 15
401
152
117
0
Quality Earnings: OZKA.P has high quality earnings.
Growing Profit Margin: OZKA.P's current net profit margins (44.3%) are lower than last year (46.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: OZKA.P's earnings have grown by 7.7% per year over the past 5 years.
Accelerating Growth: OZKA.P's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: OZKA.P had negative earnings growth (-0.9%) over the past year, making it difficult to compare to the Banks industry average (23.2%).
Return on Equity
High ROE: OZKA.P's Return on Equity (11.5%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/05/31 04:44
End of Day Share Price
2026/05/29 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Bank OZK is covered by 20 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.