Bank OZK (OZK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 385.57M | 407.05M | 413.86M | 396.75M | 374.51M | 379.4M | 389.4M | 387.99M | 376.93M | 370.55M | 367.26M | 356.82M | 344.85M | 332.49M | 294.62M | 265.79M | 249.34M | 266.38M | 247.96M | 240.75M |
| NII Growth % | 2.95% | 7.29% | 6.28% | 2.26% | -0.64% | 2.39% | 6.03% | 8.74% | 9.3% | 11.45% | 24.66% | 34.25% | 38.3% | 24.82% | 18.82% | 10.4% | 6.27% | 12.11% | 10.37% | 11.15% |
| Net Interest Margin % | 0.93% | 1% | 0.99% | 0.96% | 0.96% | 0.99% | 1.04% | 1.05% | 1.05% | 1.08% | 1.12% | 1.16% | 1.19% | 1.2% | 1.12% | 1.03% | 0.94% | 1% | 0.95% | 0.9% |
| Interest Income | 629.02M | 671.01M | 695.03M | 668.34M | 635.74M | 662.63M | 682.05M | 667.84M | 637.05M | 605.5M | 565.51M | 508.45M | 448.72M | 398.92M | 323.29M | 281.49M | 262.37M | 280.48M | 262.66M | 264.1M |
| Interest Expense | 243.45M | 263.96M | 281.17M | 271.6M | 261.23M | 283.24M | 292.65M | 279.84M | 260.12M | 234.95M | 198.25M | 151.62M | 103.87M | 66.43M | 28.67M | 15.7M | 13.03M | 14.1M | 14.71M | 23.35M |
| Loan Loss Provision | 41.95M | 50.57M | 48.31M | 35.22M | 38.42M | 37.17M | 46.44M | 49.01M | 42.92M | 43.83M | 44.04M | 41.77M | 35.83M | 32.51M | 39.77M | 7.03M | 4.19M | -7.99M | -7.45M | -30.93M |
| Non-Interest Income | 32.53M | 33.6M | 36.08M | 31.29M | 34.72M | 32.94M | 33.6M | 28.78M | 29.08M | 44.87M | 25.73M | 31.99M | 27.81M | 25.4M | 27.26M | 24.48M | 29.64M | 27.47M | 23.73M | 25.72M |
| Non-Interest Income % | 4.92% | 4.77% | 4.93% | 4.47% | 5.18% | 4.74% | 4.7% | 4.13% | 4.37% | 6.9% | 4.35% | 5.92% | 5.84% | 5.99% | 7.78% | 8% | 10.15% | 8.92% | 8.29% | 8.87% |
| Total Revenue | 661.55M | 704.61M | 731.11M | 699.63M | 670.46M | 695.58M | 715.66M | 696.62M | 666.14M | 650.36M | 591.24M | 540.43M | 476.53M | 424.33M | 350.55M | 305.97M | 292.01M | 307.95M | 286.39M | 289.81M |
| Revenue Growth % | -1.33% | 1.3% | 2.16% | 0.43% | 0.65% | 6.95% | 21.04% | 28.9% | 39.79% | 53.27% | 68.66% | 76.63% | 63.19% | 37.79% | 22.4% | 5.57% | -0.81% | 2.62% | -2.03% | 1.03% |
| Non-Interest Expense | 164.54M | 161.65M | 159.31M | 153.16M | 146.95M | 140.13M | 140.4M | 137.45M | 133.31M | 152.85M | 128.98M | 129.35M | 126.22M | 116.87M | 113.79M | 107.46M | 105.88M | 107.88M | 108.14M | 101.69M |
| Efficiency Ratio | 24.87% | 22.94% | 21.79% | 21.89% | 21.92% | 20.15% | 19.62% | 19.73% | 20.01% | 23.5% | 21.81% | 23.94% | 26.49% | 27.54% | 32.46% | 35.12% | 36.26% | 35.03% | 37.76% | 35.09% |
| Operating Income | 211.61M | 228.43M | 242.31M | 239.66M | 223.86M | 235.04M | 236.16M | 230.31M | 229.78M | 218.73M | 219.97M | 217.68M | 210.62M | 208.51M | 168.32M | 175.79M | 168.91M | 193.96M | 171M | 195.71M |
| Operating Margin % | 31.99% | 32.42% | 33.14% | 34.25% | 33.39% | 33.79% | 33% | 33.06% | 34.49% | 33.63% | 37.21% | 40.28% | 44.2% | 49.14% | 48.02% | 57.45% | 57.84% | 62.99% | 59.71% | 67.53% |
| Operating Income Growth % | -5.47% | -2.81% | 2.61% | 4.06% | -2.58% | 7.45% | 7.36% | 5.8% | 9.1% | 4.9% | 30.69% | 23.83% | 24.69% | 7.5% | -1.57% | -10.18% | -12.14% | 24.24% | 23.47% | 200.14% |
| Pretax Income | 211.61M | 228.43M | 242.31M | 239.66M | 223.86M | 235.04M | 236.16M | 230.31M | 229.78M | 218.73M | 219.97M | 217.68M | 210.62M | 208.51M | 168.32M | 175.79M | 168.91M | 193.96M | 171M | 195.71M |
| Pretax Margin % | 31.99% | 32.42% | 33.14% | 34.25% | 33.39% | 33.79% | 33% | 33.06% | 34.49% | 33.63% | 37.21% | 40.28% | 44.2% | 49.14% | 48.02% | 57.45% | 57.84% | 62.99% | 59.71% | 67.53% |
| Income Tax | 48.25M | 52.52M | 57.74M | 56.66M | 51.89M | 52.83M | 54.95M | 52.78M | 54.23M | 43.6M | 46.14M | 45.72M | 40.7M | 45.69M | 35.97M | 39.38M | 36.41M | 44.2M | 40.71M | 45.16M |
| Effective Tax Rate % | 22.8% | 22.99% | 23.83% | 23.64% | 23.18% | 22.48% | 23.27% | 22.92% | 23.6% | 19.93% | 20.98% | 21% | 19.33% | 21.91% | 21.37% | 22.4% | 21.56% | 22.79% | 23.81% | 23.08% |
| Net Income | 163.36M | 175.96M | 184.58M | 182.98M | 171.96M | 182.18M | 181.19M | 177.54M | 175.54M | 175.13M | 173.79M | 171.96M | 169.9M | 162.88M | 132.35M | 136.41M | 132.51M | 149.76M | 130.29M | 150.53M |
| Net Margin % | 24.69% | 24.97% | 25.25% | 26.15% | 25.65% | 26.19% | 25.32% | 25.49% | 26.35% | 26.93% | 29.39% | 31.82% | 35.65% | 38.39% | 37.75% | 44.58% | 45.38% | 48.63% | 45.49% | 51.94% |
| Net Income Growth % | -5% | -3.41% | 1.87% | 3.06% | -2.04% | 4.03% | 4.26% | 3.24% | 3.32% | 7.52% | 31.31% | 26.07% | 28.22% | 8.76% | 1.58% | -9.39% | -10.72% | 24.27% | 19.26% | 199.48% |
| Net Income (Continuing) | 163.36M | 175.91M | 184.57M | 183M | 171.97M | 182.21M | 181.21M | 177.53M | 175.56M | 175.13M | 173.83M | 171.97M | 169.91M | 162.82M | 132.35M | 136.41M | 132.5M | 149.77M | 130.28M | 150.55M |
| EPS (Diluted) | 1.44 | 1.53 | 1.59 | 1.58 | 1.47 | 1.56 | 1.55 | 1.52 | 1.51 | 1.50 | 1.49 | 1.47 | 1.41 | 1.34 | 1.08 | 1.10 | 1.02 | 1.15 | 1.00 | 1.16 |
| EPS Growth % | -2.04% | -1.92% | 2.58% | 3.95% | -2.65% | 4% | 4.03% | 3.4% | 7.09% | 11.94% | 37.96% | 33.64% | 38.24% | 16.52% | 8% | -5.17% | -10.53% | 23.66% | 19.05% | 197.44% |
| EPS (Basic) | 1.44 | 1.54 | 1.60 | 1.59 | 1.48 | 1.57 | 1.56 | 1.53 | 1.51 | 1.51 | 1.50 | 1.47 | 1.42 | 1.35 | 1.08 | 1.10 | 1.03 | 1.16 | 1.01 | 1.16 |
| Diluted Shares Outstanding | 110.92M | 112.07M | 113.54M | 113.77M | 114.22M | 114.02M | 114.03M | 114M | 113.88M | 113.76M | 113.77M | 114.28M | 117.41M | 118.2M | 118.86M | 120.83M | 125M | 129.93M | 129.93M | 130.25M |