Bank OZK Financial Ratios — OZKAP 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 (%)	31.71	19.56	19.97	22.34	28.48	33.27	38.93	29.6	24.78	15.28	26.76	21.25	22.27	19.72	17.19
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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	9.64	11.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.33	3.86	53.13	53.61	3.64	3.6	3.66	3.57	4.32	4.45	3.9	4.42	5.38	6.29	7.27
Operating Margin (%)	- -	- -	49.26	49.86	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	415.29	51.63	-129.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	27.73	15.17	14.34	15.53	21.13	25.61	30.75	22.35	17.73	7.99	19.99	15.34	16.89	14.67	12.35

Credit (USD)

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	52.14	39.29	2.52	1.38	18.45	15.29	10.68	12.4	16.35	25.02	28.37	19.37	15.18	8.47	3.69
Net Debt/EBITDA	43.76	15.66	1.09	0.57	13.24	-19.32	-2.24	4.19	-18.84	-29.65	-19.25	0.75	-10.42	-18.2	-18.87
Total Debt/EBIT	- -	- -	2.72	1.48	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	1.18	0.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.48	10.49	10.22	8.46	7.16	4.85	5.88	7	7.94	7.17	8.97	10.03	9.59	9.98	10.59
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 (%)	49.95	44.72	41.22	30.76	31.2	29.4	22.49	21.87	27.05	35.96	31.01	25.66	26.02	17.52	9.05
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 (%)	49.95	44.72	41.22	30.76	31.2	29.4	22.49	21.87	27.05	35.96	31.01	25.66	26.02	17.52	9.05
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 (%)	45.59	24.38	23.31	15.5	24.55	-111.14	-6.48	8.65	-74.59	-198.79	-43.9	1.32	-31.81	-84.03	-103.63
EBITDA	7	9	137	185	17	25	34	35	43	44	43	56	84	104	126
EBITDA-CapEx	-14	-37	127	167	1	-20	-5	-51	-56	-6	9	26	55	9	20
Operating Income (Loss)	- -	- -	127	172	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	9.48	10.49	10.22	8.46	7.16	4.85	5.88	7	7.94	7.17	8.97	10.03	9.59	9.98	10.59
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 (%)	49.95	44.72	41.22	30.76	31.2	29.4	22.49	21.87	27.05	35.96	31.01	25.66	26.02	17.52	9.05
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 (%)	49.95	44.72	41.22	30.76	31.2	29.4	22.49	21.87	27.05	35.96	31.01	25.66	26.02	17.52	9.05
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	0.19	0.2	0.29	0.26	0.15	0.11	0.13	0.15	0.16	0.14	0.17	0.19	0.18	0.19	0.19

Working Capital (USD)

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	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)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	-128	-353	-516	-730	-368	-1,952	-2,667	-2,711	-3,075	-4,700	-4,405	-3,110	-3,779	-4,395	-2,436
Total Capital	734	773	839	832	1,033	1,302	1,619	2,009	2,569	3,047	3,945	4,190	4,900	5,040	5,121
Total Debt/Capital (%)	49.95	44.72	41.22	30.76	31.2	29.4	22.49	21.87	27.05	35.96	31.01	25.66	26.02	17.52	9.05
Total Debt / EV	-2.87	-0.98	-0.67	-0.35	-0.88	-0.2	-0.14	-0.16	-0.23	-0.23	-0.28	-0.35	-0.34	-0.2	-0.19
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	311	141	153	109	234	-480	-73	152	-798	-1,295	-488	382	-535	-1,559	-2,031
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	211	228	258	346	479	695	930	992	984	985	1,105	1,257	1,562	1,658	1,728
TTM EBITDA	7	9	137	185	17	25	34	35	43	44	43	56	84	104	126
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	42	30	69	115	218	287	423	792	523	602	562	795	911	930	944

Multiples (USD)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-128	-353	-516	-730	-368	-1,952	-2,667	-2,711	-3,075	-4,700	-4,405	-3,110	-3,779	-4,395	-2,436
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.35	15.4	12.77	15.11	15.69
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	1.47	0.62	0.59	0.32	0.49	- -	- -	0.15	- -	- -	- -	0.3	- -	- -	- -
EV/Sales High	1.47	0.62	0.59	0.32	0.49	- -	- -	0.15	- -	- -	- -	0.3	- -	- -	- -
EV/Sales Low	1.47	0.62	0.59	0.32	0.49	- -	- -	0.15	- -	- -	- -	0.3	- -	- -	- -
EV/EBITDA Average	44.25	16.05	1.12	0.59	13.42	-19.19	-2.15	4.28	-18.76	-29.58	-11.32	6.88	-6.37	-14.95	-16.17
EV/EBITDA High	44.25	16.05	1.12	0.59	13.42	-19.19	-2.15	4.28	-18.76	-29.58	-11.32	6.88	-6.37	-14.95	-16.17
EV/EBITDA Low	44.25	16.05	1.12	0.59	13.42	-19.19	-2.15	4.28	-18.76	-29.58	-11.32	6.88	-6.37	-14.95	-16.17
EV/EBIT Average	- -	- -	1.2	0.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	1.2	0.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	1.2	0.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.14	15.77	16.63	15.96	16.52
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.26	25.22	19.12	19.88	18.08
Enterprise Value Average	311	141	153	109	234	-480	-73	152	-798	-1,295	-488	382	-535	-1,559	-2,031
Enterprise Value High	311	141	153	109	234	-480	-73	152	-798	-1,295	-488	382	-535	-1,559	-2,031
Enterprise Value Low	311	141	153	109	234	-480	-73	152	-798	-1,295	-488	382	-535	-1,559	-2,031

Shares Outstanding	69	71	74	80	90	121	128	129	129	129	125	117	113	113	110
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Bank OZK

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)