Bank OZK reported an EPS of $1.56, beating the estimated $1.45, and revenue of approximately $412.34 million, exceeding the forecast of $400.43 million.
The bank achieved a record net income of $700.3 million for the year 2024, marking a 3.8% increase from 2023.
Financial ratios indicate a strong performance with a P/E ratio of approximately 7.26 and an earnings yield of about 13.77%, though a current ratio of 0.34 suggests potential liquidity concerns.

Bank OZK (NASDAQ:OZK) is a regional bank that provides a range of financial services, including commercial and consumer banking. It operates primarily in the southern United States. The bank competes with other regional banks like Regions Financial and Synovus Financial. On January 16, 2025, OZK reported earnings per share (EPS) of $1.56, surpassing the estimated $1.45. The company also reported actual revenue of approximately $412.34 million, exceeding the estimated $400.43 million.
Bank OZK’s financial performance for the quarter ending December 2024 is highlighted by its top- and bottom-line figures. The EPS of $1.56 not only exceeded the Zacks Consensus Estimate but also showed growth from the previous year’s $1.50. This increase indicates a positive financial trajectory for the bank, as highlighted by Zacks Investment Research.
The bank’s net income available to common stockholders for the fourth quarter reached $178.1 million, marking the ninth consecutive quarterly record. This reflects a 4.1% increase from the $171.1 million reported in the fourth quarter of 2023. For the entire year of 2024, Bank OZK achieved a record net income of $700.3 million for the year 2024, a 3.8% rise from the $674.6 million recorded in 2023.
Bank OZK’s financial ratios provide further insight into its performance. With a price-to-earnings (P/E) ratio of approximately 7.26, the bank’s stock is relatively affordable compared to its earnings. The price-to-sales ratio of about 1.89 and enterprise value to sales ratio of around 1.13 suggest a reasonable market valuation relative to sales. The earnings yield of about 13.77% indicates a significant return on investment.
Despite these strengths, the bank’s current ratio of 0.34 may suggest potential liquidity concerns in meeting short-term obligations. However, the debt-to-equity ratio is relatively low at 0.11, indicating a conservative use of debt in its capital structure. This balance between growth and financial prudence highlights Bank OZK’s strong financial performance over the past year.