Bank Ozk (OZK) — Cash Flow Quality Index
Latest as of June 2026:
1.22x
Bank Ozk (OZK) has a Cash Flow Quality Index of 1.22x as of June 2026. Operating cash flow of $204.95 Million exceeds net income of $167.37 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Bank Ozk service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
1.22x
Operating CF / Net Income
Operating Cash Flow
$204.95 Million
USD
Net Income
$167.37 Million
USD
Data as of
Jun 2026
Most recent filing
Bank Ozk Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Bank Ozk across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bank Ozk cash conversion from operations.
Annual Cash Flow Quality Index for Bank Ozk (1996–2025)
Year-by-year earnings quality comparison for Bank Ozk.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.17x | $837.73 Million | $715.48 Million | ▲ +0.5% |
| 2024 | 1.16x | $834.47 Million | $716.50 Million | ▼ -8.7% |
| 2023 | 1.28x | $881.55 Million | $690.84 Million | ▼ -5.9% |
| 2022 | 1.36x | $764.95 Million | $564.09 Million | ▲ +44.7% |
| 2021 | 0.94x | $542.66 Million | $579.03 Million | ▼ -50.4% |
| 2020 | 1.89x | $551.95 Million | $291.87 Million | ▲ +89.7% |
| 2019 | 1.00x | $424.64 Million | $425.91 Million | ▼ -41.0% |
| 2018 | 1.69x | $705.31 Million | $417.08 Million | ▲ +85.6% |
| 2017 | 0.91x | $384.48 Million | $421.94 Million | ▲ +1.7% |
| 2016 | 0.90x | $241.93 Million | $270.08 Million | ▼ -18.8% |
| 2015 | 1.10x | $201.18 Million | $182.31 Million | ▲ +35.2% |
| 2014 | 0.82x | $96.77 Million | $118.59 Million | ▲ +25.5% |
| 2013 | 0.65x | $59.32 Million | $91.27 Million | ▲ +419.1% |
| 2012 | -0.20x | $-15.70 Million | $77.06 Million | ▼ -200.2% |
| 2011 | 0.20x | $20.59 Million | $101.30 Million | ▼ -68.2% |
| 2010 | 0.64x | $40.90 Million | $63.92 Million | ▼ -42.5% |
| 2009 | 1.11x | $47.96 Million | $43.08 Million | ▼ -16.5% |
| 2008 | 1.33x | $46.28 Million | $34.70 Million | ▼ -0.8% |
| 2007 | 1.34x | $42.67 Million | $31.75 Million | ▲ +88.4% |
| 2006 | 0.71x | $22.62 Million | $31.69 Million | ▼ -29.9% |
| 2005 | 1.02x | $32.05 Million | $31.49 Million | ▼ -24.4% |
| 2004 | 1.35x | $34.84 Million | $25.88 Million | ▼ -10.0% |
| 2003 | 1.49x | $30.20 Million | $20.20 Million | ▲ +0.7% |
| 2002 | 1.48x | $21.39 Million | $14.41 Million | ▲ +171.5% |
| 2001 | 0.55x | $4.90 Million | $8.96 Million | ▼ -57.3% |
| 2000 | 1.28x | $9.78 Million | $7.63 Million | ▼ -25.3% |
| 1999 | 1.72x | $12.70 Million | $7.40 Million | ▲ +336.9% |
| 1998 | 0.39x | $2.20 Million | $5.60 Million | ▼ -49.5% |
| 1997 | 0.78x | $3.50 Million | $4.50 Million | ▼ -16.7% |
| 1996 | 0.93x | $2.80 Million | $3.00 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.