Bank OZK (OZK) Financial Ratios Annual - Discounting Cash Flows
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OZK
Bank OZK
OZK (NASDAQ)
  • Financials

  • Bank OZK Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31 		1997
12-31 		1996
12-31
Price Ratios
Price to Earnings Ratio 7.69 7.1 7.06 8.24 8.54 10.37 13.85 9.24 7.04 14.39 20.31 23.55 24.78 22.34 15.08 10.09 11.5 11.48 14.58 13.86 17.41 19.51 21.58 17.73 12.47 10.78 6.47 9.89 15.36 18.43 17.52
Price to Sales Ratio 1.99 1.81 1.82 2.53 3.49 5.06 3.44 3.12 2.44 5.81 7.26 8.47 8.01 7.35 4.66 4.23 3.91 2.28 2.47 2.2 3.09 4.65 5.4 4.15 2.47 1.43 0.744 1.29 1.96 2.73 2.22
Price to Book Ratio 0.897 0.829 0.887 1.11 1.03 1.24 0.947 0.948 0.779 1.75 1.96 2.93 3.24 3.26 2.29 2.41 2.3 1.84 1.54 2.31 3.16 4.11 4.6 3.64 2.46 1.71 1.02 1.67 2.13 2.32 2.84
Price to Free Cash Flow Ratio 10.02 0 6.85 6.68 6.55 12.15 8.05 12.07 4.75 17.57 27.86 23.28 37.35 41.41 -18.8 -1,858 30.65 12.77 27.47 14.3 -80.67 120.8 32.06 19.96 12.93 113.4 6.01 9.51 -7.23 -21.83 29.21
Price to Operating Cash Flow Ratio 8.71 0 6.06 6.46 6.3 11.37 7.33 9.26 4.16 15.79 22.66 21.34 30.38 34.36 -74.02 49.64 18 10.32 10.84 10.31 24.4 19.17 16.03 11.86 8.4 19.71 5.04 5.76 39.09 23.7 18.78
Price Earnings to Growth Ratio -15.99 8.75 1.54 0.28 6.39 0.105 -0.44 4.99 -1.97 0.484 0.87 0.632 0.937 2.48 -0.58 0.169 0.162 1.46 1.71 -6.65 8.18 0.951 0.987 0.532 0.208 0.216 -0.711 0.545 1.92 0.587 0
EV to EBITDA 5.7 2.54 1.69 1.76 1.59 -1.55 1.43 0.412 5.65 7.99 13.55 12.25 11.11 6.97 5.83 11.29 14.42 20.56 16.89 17.14 20.18 18.17 16.62 12.33 12.26 9.43 16.05 11.85 11.38 11.41
Liquidity Ratios
Current Ratio 0 0.8 0.113 0.203 0.214 0.297 0.271 0.206 0.178 0.176 0.152 0.089 0.179 0.231 0.227 0.167 0.084 0.045 0.024 0.031 0.029 0.033 0.035 0.033 0.038 0.053 0.042 0.052 0.037 0.06 0.038
Quick Ratio 0 0.8 0.113 0.203 0.214 0.297 0.271 0.206 0.178 0.176 0.152 0.089 0.179 0.231 0.227 0.167 0.084 0.045 0.024 0.031 0.029 0.033 0.035 0.033 0.038 0.053 0.042 0.052 0.037 0.06 0.038
Cash Ratio 0 0 0.09 0.078 0.048 0.101 0.11 0.08 0.016 0.025 0.055 0.011 0.027 0.052 0.066 0.019 0.019 0.038 0.017 0.022 0.02 0.025 0.029 0.026 0.031 0.045 0.029 0.04 0.027 0.05 0.028
Debt Ratio 0.011 0.011 0.023 0.037 0.039 0.046 0.041 0.03 0.021 0.02 0.024 0.039 0.047 0.083 0.093 0.104 0.119 0.163 0.166 0.165 0.119 0.18 0.128 0.16 0.145 0.133 0.097 0.171 0.064 0.054 0.067
Debt to Equity Ratio 0.076 0.076 0.155 0.248 0.229 0.254 0.258 0.17 0.122 0.125 0.16 0.265 0.354 0.638 0.739 0.941 1.22 1.68 1.66 2.35 1.72 2.58 1.83 2.26 2.06 2.05 1.67 3.1 0.97 0.535 0.978
Long Term Debt to Capitalization 0.07 0.07 0.134 0.199 0.187 0.202 0.204 0.143 0.104 0.095 0.121 0.18 0.22 0.356 0.405 0.464 0.52 0.602 0.602 0.678 0.598 0.7 0.608 0.661 0.64 0.638 0.58 0.743 0.235 0.125 0.226
Total Debt to Capitalization 0.07 0.07 0.134 0.199 0.187 0.203 0.205 0.145 0.109 0.111 0.138 0.209 0.261 0.39 0.425 0.485 0.549 0.627 0.623 0.701 0.633 0.72 0.646 0.693 0.673 0.672 0.625 0.756 0.492 0.349 0.495
Interest Coverage Ratio 0.867 0.867 0.835 1.26 5.83 9.23 1.96 2.03 2.65 5.04 6.95 10.04 8.23 7.05 5.14 4.98 2.64 1.18 0.529 0.465 0.534 1.03 1.54 1.51 1.09 0.429 0.267 0.356 0.4 0.538 0.5
Cash Flow to Debt Ratio 1.36 0 0.945 0.692 0.711 0.43 0.5 0.601 1.53 0.887 0.54 0.518 0.301 0.149 -0.042 0.052 0.105 0.106 0.086 0.095 0.075 0.083 0.157 0.136 0.143 0.042 0.121 0.093 0.056 0.183 0.155
Margins
Gross Profit Margin 55.43% 55.43% 53.45% 62.05% 84.98% 99.69% 66.37% 75.88% 77.2% 86.3% 88.77% 90.73% 89.68% 88.92% 86.63% 82.53% 73.28% 57.42% 48.94% 47.23% 51.28% 64.73% 73% 72.2% 65.93% 49.88% 40.55% 46.56% 48.75% 53.62% 51.48%
Operating Profit Margin 33.3% 33.3% 33.57% 38.52% 52.26% 63.44% 31.96% 44.7% 46.13% 55.53% 56.16% 54.6% 47.01% 47.43% 44.51% 62.7% 48.06% 25.78% 22.05% 23.1% 25.28% 34.4% 36.65% 35.12% 31.61% 19.33% 14.96% 17.46% 18.68% 23.03% 21.1%
Pretax Profit Margin 33.3% 33.3% 33.57% 38.52% 52.26% 63.44% 31.96% 44.7% 46.13% 55.53% 56.16% 54.6% 47.01% 47.43% 44.51% 62.7% 48.06% 25.78% 22.05% 23.1% 25.28% 34.4% 36.65% 35.12% 31.61% 19.33% 14.96% 17.46% 18.68% 23.03% 21.1%
Net Profit Margin 25.5% 25.5% 25.83% 30.69% 40.86% 48.78% 24.8% 33.73% 34.73% 40.36% 35.73% 35.95% 32.33% 32.93% 30.89% 41.93% 33.97% 19.87% 16.92% 15.88% 17.76% 23.83% 25.02% 23.41% 19.84% 13.28% 11.5% 13.05% 12.76% 14.8% 12.66%
Operating Cash Flow Margin 22.5% 0% 30.08% 39.17% 55.41% 44.5% 46.89% 33.63% 58.72% 36.78% 32.02% 39.69% 26.38% 21.41% -6.29% 8.52% 21.71% 22.11% 22.77% 21.34% 12.68% 24.26% 33.68% 35% 29.46% 7.26% 14.75% 22.4% 5.01% 11.51% 11.81%
Free Cash Flow Margin 19.83% 0% 26.63% 37.87% 53.25% 41.65% 42.68% 25.82% 51.5% 33.06% 26.04% 36.37% 21.45% 17.76% -24.78% -0.228% 12.75% 17.87% 8.98% 15.39% -3.83% 3.85% 16.84% 20.8% 19.14% 1.26% 12.38% 13.58% -27.11% -12.5% 7.59%
Return
Return on Assets 1.75% 1.75% 1.87% 2.02% 2.04% 2.18% 1.07% 1.81% 1.86% 1.98% 1.43% 1.84% 1.75% 1.91% 1.91% 2.64% 1.96% 1.56% 1.06% 1.17% 1.25% 1.47% 1.5% 1.46% 1.39% 1.03% 0.922% 0.93% 0.914% 1.28% 1.11%
Return on Equity 11.93% 11.67% 12.56% 13.44% 12.03% 11.97% 6.83% 10.26% 11.06% 12.19% 9.67% 12.44% 13.06% 14.6% 15.18% 23.87% 19.98% 16.02% 10.56% 16.64% 18.15% 21.08% 21.32% 20.51% 19.76% 15.82% 15.77% 16.86% 13.86% 12.61% 16.22%
Return on Capital Employed 2.29% 2.53% 12.91% 12.69% 12.18% 12.29% 6.9% 11.64% 13.15% 15.94% 13.35% 15.46% 15.25% 13.36% 12.59% 19.58% 13.13% 8.02% 5.65% 7.75% 10.61% 9.28% 12.24% 10.57% 10.45% 7.51% 7.68% 5.26% 15.65% 17.03% 20.92%
Return on Invested Capital 1.75% 1.94% 16.16% 14.75% 11.54% 14.21% 9.54% 12.7% 10.63% 13.18% 11.69% 10.73% 12.09% 11.59% 11.43% 14.17% 9.98% 6.96% 4.63% 5.79% 8.29% 7.01% 9.65% 7.83% 7.41% 6.3% 7.02% 4.53% 14.97% 17.65% 17.54%
Turnover Ratios
Receivables Turnover Ratio 0 0 15.94 13.23 11.03 14.3 13.36 16.79 14.65 16.18 14.55 19.88 18.17 19.3 18.89 18.78 1.13 14.7 10.72 11.48 10.26 9.57 12.08 12.27 12.04 11.59 7.45 7.88 7.98 10.13 9.12
Payables Turnover Ratio 0 0 0 0 0.886 0.02 1.57 1.37 1.27 0.77 1.17 0.901 1.03 1.83 1.21 0.928 0 0 3.75 8.8 9.59 5.2 7.19 6.17 4.57 8.75 12.6 10.1 9.38 7.83 5
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 3.04 3.04 3.75 3.33 2.04 1.71 1.59 1.77 2.12 2.01 1.5 1.71 1.34 1.13 1.1 1.3 1.1 1.39 1.33 1.54 1.53 1.49 1.59 1.72 1.86 2.04 2.17 1.86 1.61 2.27 3.43
Asset Turnover Ratio 0.069 0.069 0.073 0.066 0.05 0.045 0.043 0.054 0.054 0.049 0.04 0.051 0.054 0.058 0.062 0.063 0.058 0.078 0.063 0.074 0.071 0.062 0.06 0.062 0.07 0.077 0.08 0.071 0.072 0.086 0.088
Per Share Items ()
Revenue Per Share 25.42 0 24.41 19.66 11.48 9.2 9.1 9.79 9.34 8.33 7.25 5.84 4.73 3.85 3.59 3.5 2.77 3.21 3 2.98 2.67 1.98 1.58 1.36 1.18 1.11 1.1 0.945 0.73 0.583 0.518
Operating Cash Flow Per Share 5.72 0 7.34 7.7 6.36 4.09 4.27 3.29 5.48 3.06 2.32 2.32 1.25 0.824 -0.226 0.299 0.602 0.71 0.684 0.635 0.339 0.481 0.531 0.475 0.349 0.081 0.162 0.212 0.037 0.067 0.061
Free Cash Flow Per Share 5.04 0 6.5 7.45 6.11 3.83 3.88 2.53 4.81 2.75 1.89 2.12 1.02 0.683 -0.89 -0.008 0.354 0.573 0.27 0.458 -0.103 0.076 0.265 0.282 0.227 0.014 0.136 0.128 -0.198 -0.073 0.039
Cash & Short Term Investments 0 0 29.45 47.12 37.62 46.26 44.84 29.27 24.52 24.18 22.43 7.99 12.76 12.02 10.12 7.22 0.722 1.16 0.608 0.707 0.64 0.609 0.633 0.453 0.411 0.516 0.34 0.41 0.249 0.299 0.149
Earnings Per Share 6.48 0 6.31 6.04 4.69 4.49 2.26 3.3 3.24 3.36 2.59 2.1 1.53 1.27 1.11 1.47 0.942 0.638 0.508 0.473 0.475 0.473 0.394 0.318 0.235 0.147 0.126 0.123 0.093 0.086 0.066
EBITDA Per Share 9.29 8.46 8.98 8.13 6.46 6.17 3.25 4.71 4.58 4.9 4.31 3.39 2.39 1.96 1.73 2.3 1.41 0.891 0.718 0.74 0.708 0.713 0.619 0.522 0.403 0.243 0.192 0.192 0.155 0.146 0.122
Dividend Per Share 1.74 0 1.72 1.57 1.4 1.14 1.08 0.939 0.795 0.707 0.596 0.542 0.466 0.357 0.249 0.184 0.15 0.179 0.125 0.107 0.1 0.092 0.075 0.058 0.039 0.029 0.026 0.025 0.015 0.012 0.02
Enterprise Value Per Share 52.92 0 22.85 13.76 11.38 9.8 -5.04 6.72 1.89 27.66 34.46 45.94 29.3 21.82 12.03 13.4 15.87 12.84 14.77 12.5 12.13 14.39 11.25 8.67 4.97 2.98 1.81 3.08 1.83 1.66 1.4
Book Value Per Share 54.31 0 50.21 44.9 38.99 37.47 33.04 32.19 29.32 27.58 26.78 16.88 11.72 8.68 7.31 6.16 4.72 3.98 4.81 2.84 2.62 2.24 1.85 1.55 1.19 0.932 0.8 0.732 0.672 0.684 0.405
Price Per Share 48.72 0 44.53 49.75 40.06 46.53 31.27 30.51 22.83 48.39 52.59 49.46 37.92 28.3 16.74 14.82 10.84 7.32 7.41 6.55 8.27 9.22 8.51 5.63 2.93 1.59 0.816 1.22 1.43 1.59 1.15
Dividend Ratios
Dividend Payout Ratio 22.11% 26.84% 27.31% 25.94% 29.93% 25.3% 47.71% 28.44% 24.51% 21.03% 23.03% 25.83% 30.46% 28.22% 22.45% 12.5% 15.89% 28.15% 24.58% 22.73% 21.09% 19.53% 18.99% 18.13% 16.44% 19.41% 20.81% 20.27% 16.07% 13.33% 30%
Annual Dividend Yield 3.57% 3.78% 3.87% 3.15% 3.5% 2.44% 3.44% 3.08% 3.48% 1.46% 1.13% 1.1% 1.23% 1.26% 1.49% 1.24% 1.38% 2.45% 1.69% 1.64% 1.21% 1% 0.88% 1.02% 1.32% 1.8% 3.22% 2.05% 1.05% 0.723% 1.71%
Effective Tax Rate 23.42% 23.42% 23.06% 20.32% 21.82% 23.1% 22.41% 24.53% 24.72% 27.32% 36.36% 34.13% 31.23% 30.55% 30.57% 33.14% 29.4% 22.99% 22.24% 31.27% 29.74% 30.71% 31.73% 33.33% 37.23% 31.3% 23.08% 25.25% 31.71% 35.71% 40%
Short Term Coverage Ratio 0 0 0 0 0 86.38 68.88 37.75 34.3 5.55 3.72 3.06 1.48 1.12 -0.531 0.627 0.944 1.08 0.983 0.926 0.552 0.899 1.05 1.01 1.03 0.302 0.706 1.41 0.082 0.25 0.22
Capital Expenditure Coverage Ratio 8.43 0 8.73 30.25 25.62 15.57 11.13 4.3 8.13 9.89 5.36 11.97 5.36 5.87 -0.341 0.974 2.42 5.21 1.65 3.59 0.768 1.19 2 2.47 2.85 1.21 6.23 2.54 0.156 0.479 2.8
EBIT Per Revenue 0.333 0.333 0.336 0.385 0.523 0.634 0.32 0.447 0.461 0.555 0.562 0.546 0.47 0.474 0.445 0.627 0.481 0.258 0.221 0.231 0.253 0.344 0.366 0.351 0.316 0.193 0.15 0.175 0.187 0.23 0.211
EBITDA Per Revenue 0.365 0.333 0.368 0.414 0.563 0.671 0.357 0.481 0.491 0.588 0.595 0.58 0.505 0.51 0.48 0.656 0.507 0.278 0.239 0.249 0.265 0.359 0.393 0.385 0.34 0.219 0.175 0.203 0.212 0.25 0.236
Days of Sales Outstanding 0 0 22.9 27.59 33.08 25.53 27.31 21.74 24.91 22.56 25.08 18.36 20.09 18.91 19.32 19.44 323.6 24.83 34.05 31.8 35.56 38.13 30.2 29.74 30.31 31.49 48.97 46.35 45.73 36.02 40.04
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 0 0 411.7 18,689 232.3 265.8 288.4 474.3 312.4 405.3 355.6 199.3 302.3 393.5 0 0 97.23 41.46 38.05 70.24 50.76 59.19 79.78 41.73 28.97 36.14 38.93 46.6 73
Cash Conversion Cycle 0 0 22.9 27.59 -378.7 -18,664 -205 -244 -263.5 -451.8 -287.3 -387 -335.5 -180.4 -282.9 -374.1 323.6 24.83 -63.18 -9.66 -2.49 -32.12 -20.55 -29.46 -49.47 -10.24 20 10.21 6.8 -10.58 -32.96
Cash Conversion Ratio 0.882 0 1.16 1.28 1.36 0.912 1.89 0.997 1.69 0.911 0.896 1.1 0.816 0.65 -0.204 0.203 0.639 1.11 1.35 1.34 0.714 1.02 1.35 1.49 1.48 0.547 1.28 1.72 0.393 0.778 0.933
Free Cash Flow to Earnings 0.778 0 1.03 1.23 1.3 0.854 1.72 0.765 1.48 0.819 0.729 1.01 0.664 0.539 -0.802 -0.005 0.375 0.899 0.531 0.969 -0.216 0.162 0.673 0.889 0.964 0.095 1.08 1.04 -2.12 -0.844 0.6

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