Bank OZK Financial Ratios — BO8 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	27.21	16.53	16.05	15.43	15.36	12.69	13.5	11.54	10.75	6.93	13.2	12.38	14.74	13.78	12.53
Return on Assets (%)	2.85	1.95	2.07	2.05	2.19	1.88	2.1	1.91	1.85	1.15	2.16	2.08	2.23	1.98	1.81
Return on Capital (%)	13.83	9.33	9.94	11.06	12.32	10.87	12.04	10.38	9.4	5.71	10.13	9.54	11.34	11.02	10.86
Return on Invested Capital (%)	- -	- -	9.98	11.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	54.86	54.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	49.26	49.86	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	51.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	71.73	48.73	50.85	49.86	57.74	61.1	62.4	55.87	57.34	38.19	68.12	57.41	55.5	56.16	54.07
Profit Margin (%)	47.97	33.82	35.3	34.29	38.02	38.87	45.35	42.06	43.27	29.64	52.39	44.89	44.22	43.21	41.41
Net Income to Common Margin (%)	47.99	33.82	35.3	34.29	38.02	38.87	45.35	42.06	43.27	29.64	52.39	43.57	43.19	42.23	40.47
Effective Tax Rate (%)	33.14	30.57	30.55	31.23	34.13	36.36	27.32	24.72	24.53	22.41	23.1	21.82	20.32	23.06	23.42
Dvd Payout Ratio (%)	12.53	22.43	28.2	30.47	25.81	23.01	21.03	24.51	28.44	47.72	25.3	27.81	24.16	25.62	28.14
Sustainable Growth Rate (%)	23.8	12.82	11.53	10.73	11.4	9.77	10.66	8.71	7.7	3.62	9.86	8.93	11.18	10.25	9.01

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	367	346	346	256	322	383	364	439	695	1,095	1,223	1,075	1,275	883	464
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	367	346	346	256	322	383	364	439	695	1,095	1,223	1,075	1,275	883	464
Total Debt/EBITDA	- -	- -	2.44	1.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	1.06	0.56	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	2.62	1.45	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	1.14	0.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.05	12.57	13.13	13.42	14.83	14.78	16.27	16.84	17.62	15.73	16.95	15.73	14.02	14.03	14.2
Long-Term Debt/Equity (%)	85.71	67.64	54.68	28.05	21.95	13.69	10.51	11.64	16.73	25.62	25.28	22.92	24.8	15.48	7.56
Long-Term Debt/Capital (%)	46.15	40.35	35.35	21.91	18	12.04	9.51	10.43	14.33	20.4	20.18	18.65	19.87	13.4	7.03
Long-Term Debt/Total Assets (%)	9.55	8.56	7.22	3.78	3.26	2.03	1.71	1.96	2.95	4.03	4.61	3.89	3.72	2.31	1.14
Total Debt/Equity (%)	85.71	67.64	54.68	28.05	21.95	13.69	10.51	11.64	16.73	25.62	25.28	22.92	24.8	15.48	7.56
Total Debt/Capital (%)	46.15	40.35	35.35	21.91	18	12.04	9.51	10.43	14.33	20.4	20.18	18.65	19.87	13.4	7.03
Total Debt/Total Assets (%)	9.55	8.56	7.22	3.78	3.26	2.03	1.71	1.96	2.95	4.03	4.61	3.89	3.72	2.31	1.14
Net Debt to Equity	71.94	26.95	23.69	11.58	15.75	-17.31	-2.2	3.94	-19.28	-30.37	-17.16	0.89	-17.02	-33.26	-38.67
Net Debt/Capital (%)	41.84	21.23	19.16	10.38	13.61	-20.93	-2.25	3.79	-23.89	-43.61	-20.71	0.88	-20.51	-49.84	-63.04
EBITDA	- -	- -	142	189	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	132	171	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	127	172	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.05	12.57	13.13	13.42	14.83	14.78	16.27	16.84	17.62	15.73	16.95	15.73	14.02	14.03	14.2
Long-Term Debt/Equity (%)	85.71	67.64	54.68	28.05	21.95	13.69	10.51	11.64	16.73	25.62	25.28	22.92	24.8	15.48	7.56
Long-Term Debt/Capital (%)	46.15	40.35	35.35	21.91	18	12.04	9.51	10.43	14.33	20.4	20.18	18.65	19.87	13.4	7.03
Long-Term Debt/Total Assets (%)	9.55	8.56	7.22	3.78	3.26	2.03	1.71	1.96	2.95	4.03	4.61	3.89	3.72	2.31	1.14
Total Debt/Equity (%)	85.71	67.64	54.68	28.05	21.95	13.69	10.51	11.64	16.73	25.62	25.28	22.92	24.8	15.48	7.56
Total Debt/Capital (%)	46.15	40.35	35.35	21.91	18	12.04	9.51	10.43	14.33	20.4	20.18	18.65	19.87	13.4	7.03
Total Debt/Total Assets (%)	9.55	8.56	7.22	3.78	3.26	2.03	1.71	1.96	2.95	4.03	4.61	3.89	3.72	2.31	1.14
CFO/Total Liabilities	0.6	-0.44	1.43	1.65	2.39	1.5	2.16	3.79	2.19	2.41	2.44	3.33	3.03	2.56	2.42
CFO/CapEx	0.97	-0.34	5.87	5.36	11.97	5.36	9.89	8.13	4.3	11.13	15.57	25.62	30.25	8.73	7.9
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	15.78	17.48	18.76	20.02	20.98	17.94	15.97	13.53	12.52	12.06	12.92	12.08	10.58	9.64	10
Days Sales Outstanding	23.13	20.89	19.46	18.23	17.4	20.34	22.86	26.97	29.14	30.26	28.25	30.23	34.49	37.88	36.5
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,128
- Cash & Cash Equivalents	59	208	196	150	91	866	440	291	1,496	2,394	2,054	1,033	2,150	2,781	2,834
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	339	339	339	339	339
+ Minority/Non Controlling Interest	3	3	3	3	3	3	3	3	3	3	3	1	1	1	- -
+ Total Debt	367	346	346	256	322	383	364	439	695	1,095	1,223	1,075	1,275	883	464
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,692
Total Capital	795	857	978	1,168	1,790	3,178	3,828	4,213	4,848	5,371	6,063	5,766	6,415	6,589	6,593
Total Debt/Capital (%)	46.15	40.35	35.35	21.91	18	12.04	9.51	10.43	14.33	20.4	20.18	18.65	19.87	13.4	7.03
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.17
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.56
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.21
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.68
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,260
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,824
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.39
TTM Sales	211	228	258	346	479	695	930	992	984	985	1,105	1,257	1,562	1,658	1,728
TTM EBITDA	- -	- -	142	189	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	127	172	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	21	-16	59	97	201	242	384	705	425	552	528	765	882	834	838
TTM Free Cash Flow to Firm	-1	-62	49	79	184	197	346	619	326	502	494	735	852	739	732

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,692
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	42.08
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.56
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.49
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.44
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.84
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.79
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.89
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.88
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.8
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.99
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.05
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.91
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.03
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.01
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.17
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.75
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.25
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.21
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.54
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.66
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.14
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.52
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.51
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.54
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.7
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.28
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	46.46
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	48.61
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,657
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,930
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,209

Shares Outstanding	69	71	74	80	90	121	128	129	129	129	125	117	113	113	110
Diluted Weighted Avg Shares	69	70	72	78	87	105	126	129	129	129	130	121	115	114	113
Basic Weighted Avg Shares	69	69	72	78	87	104	125	129	129	129	129	120	114	114	113
Revenue per Share	3.06	3.28	3.59	4.46	5.52	6.66	7.41	7.71	7.63	7.62	8.56	10.45	13.65	14.59	15.32
EBITDA per Share	- -	- -	1.97	2.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	1.77	2.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.47	1.11	1.27	1.53	2.1	2.59	3.36	3.24	3.3	2.26	4.49	4.55	5.89	6.16	6.2
Basic EPS from Cont Ops	1.47	1.11	1.27	1.53	2.1	2.59	3.36	3.24	3.3	2.26	4.49	4.69	6.04	6.31	6.34
Diluted EPS, GAAP	1.47	1.1	1.26	1.52	2.09	2.58	3.35	3.24	3.3	2.26	4.47	4.54	5.87	6.14	6.18
Diluted EPS from Cont Ops	1.47	1.1	1.26	1.52	2.09	2.58	3.35	3.24	3.3	2.25	4.47	4.67	6.02	6.28	6.32
Dividend per Share	0.18	0.25	0.36	0.47	0.54	0.6	0.71	0.79	0.94	1.08	1.14	1.4	1.57	1.72	1.89
Cash Flow per Share	0.3	-0.23	0.82	1.25	2.32	2.32	3.06	5.48	3.29	4.27	4.09	6.36	7.7	7.34	7.43
Free Cash Flow per Basic Share	-0.01	-0.89	0.68	1.02	2.12	1.89	2.75	4.81	2.53	3.88	3.83	6.11	7.45	6.5	6.49
Cash & Equivalents per Share	7.22	9.95	11.74	12.38	7.66	19.28	23.65	24.52	29.26	44.83	47.6	38.62	47.67	49.51	29.34
Book Value per Share	6.16	7.2	8.53	11.37	16.19	23.02	26.98	29.32	32.19	33.03	35.85	37.13	42.42	47.3	52.46
Tangible Book Value per Share	5.98	7.03	8.27	10.04	14.5	17.08	21.45	23.9	26.88	27.81	30.52	31.47	36.58	41.48	46.48

Bank OZK

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)