Bank OZK (OZK)
Provides branch banking alongside nationwide real-estate construction and RV and marine lending.
$46.68
After hours−0.34 (−0.72%)
At close$47.02(−1.53%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 591 | 650 | 666 | 697 | 716 | 696 | 670 | 700 | 731 | 705 | 662 | 673 |
| Cost of revenue | 242 | 279 | 303 | 329 | 339 | 320 | 300 | 307 | 329 | 315 | 285 | 288 |
| Gross profit | 349 | 372 | 363 | 368 | 377 | 375 | 371 | 393 | 402 | 390 | 376 | 384 |
| 129 | 153 | 133 | 137 | 140 | 140 | 147 | 153 | 159 | 162 | 165 | 171 | |
| 73 | 87 | 82 | 86 | 87 | 87 | 93 | 97 | 104 | 88 | 106 | 105 | |
| Selling & marketing | 4 | 5 | 4 | 7 | 6 | 4 | 4 | 5 | 6 | 0 | 4 | 5 |
| General & administrative | 70 | 82 | 78 | 79 | 81 | 84 | 89 | 93 | 98 | 88 | 101 | 101 |
| Other expenses | 56 | 66 | 52 | 52 | 53 | 53 | 54 | 56 | 55 | 74 | 59 | 65 |
| Operating income | 220 | 219 | 230 | 230 | 236 | 235 | 224 | 240 | 242 | 228 | 212 | 214 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 566 | 605 | 637 | 668 | 682 | 663 | 636 | 668 | 695 | 671 | 629 | 635 |
| Interest expense | 198 | 235 | 260 | 280 | 293 | 283 | 261 | 272 | 281 | 264 | 243 | 243 |
| Income before tax | 220 | 219 | 230 | 230 | 236 | 235 | 224 | 240 | 242 | 228 | 212 | 214 |
| Income tax expense | 46 | 44 | 54 | 53 | 55 | 53 | 52 | 57 | 58 | 53 | 48 | 46 |
| Net income from continuing operations | 174 | 175 | 176 | 178 | 181 | 182 | 172 | 183 | 185 | 176 | 163 | 167 |
| Net income | 174 | 175 | 176 | 178 | 181 | 182 | 172 | 183 | 185 | 176 | 163 | 167 |
| EPS, basic | $1.50 | $1.51 | $1.51 | $1.53 | $1.56 | $1.57 | $1.48 | $1.59 | $1.59 | $1.54 | $1.44 | $1.49 |
| EPS, diluted | $1.49 | $1.50 | $1.51 | $1.52 | $1.55 | $1.56 | $1.47 | $1.58 | $1.59 | $1.53 | $1.44 | $1.49 |
| Weighted average shares, basic | 113 | 113 | 114 | 114 | 114 | 114 | 114 | 113 | 114 | 110 | 111 | 110 |
| Weighted average shares, diluted | 114 | 114 | 114 | 114 | 114 | 114 | 114 | 114 | 114 | 112 | 111 | 110 |
| EBITDA | 234 | 228 | 247 | 250 | 253 | 269 | 244 | 280 | 273 | 228 | 243 | 255 |
| Depreciation & amortization | 14 | 9 | 18 | 20 | 17 | 34 | 20 | 40 | 31 | 0 | 32 | 41 |
| EBIT | 220 | 219 | 230 | 230 | 236 | 235 | 224 | 240 | 242 | 228 | 212 | 214 |
