Bank Ozk (OZK) — Financial Flexibility Index
Bank Ozk (OZK) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $220.86 Million (operating CF $204.95 Million minus capex $15.91 Million) represents 0% of total liabilities ($35.43 Billion). Check Bank Ozk (OZK) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank Ozk Financial Flexibility Index (1996–2025)
Historical Financial Flexibility Index trend for Bank Ozk across 30 annual periods. For the full cash flow conversion analysis, see Bank Ozk cash conversion from operations.
Annual Financial Flexibility Index for Bank Ozk (1996–2025)
Year-by-year free cash flow to debt coverage for Bank Ozk. Explore Bank Ozk (OZK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | $943.73 Million | $837.73 Million | $34.66 Billion | ▼ -4.7% |
| 2024 | 0.03x | $930.08 Million | $834.47 Million | $32.55 Billion | ▼ -8.7% |
| 2023 | 0.03x | $910.69 Million | $881.55 Million | $29.10 Billion | ▼ -9.6% |
| 2022 | 0.03x | $794.80 Million | $764.95 Million | $22.97 Billion | ▲ +30.2% |
| 2021 | 0.03x | $576.58 Million | $542.66 Million | $21.69 Billion | ▲ +1.1% |
| 2020 | 0.03x | $601.55 Million | $551.95 Million | $22.89 Billion | ▼ -2.6% |
| 2019 | 0.03x | $523.34 Million | $424.64 Million | $19.40 Billion | ▼ -36.6% |
| 2018 | 0.04x | $792.07 Million | $705.31 Million | $18.61 Billion | ▲ +79.0% |
| 2017 | 0.02x | $423.34 Million | $384.48 Million | $17.81 Billion | ▲ +33.2% |
| 2016 | 0.02x | $287.10 Million | $241.93 Million | $16.10 Billion | ▼ -19.2% |
| 2015 | 0.02x | $217.98 Million | $201.18 Million | $9.88 Billion | ▲ +30.0% |
| 2014 | 0.02x | $114.83 Million | $96.77 Million | $6.77 Billion | ▲ +1.7% |
| 2013 | 0.02x | $69.42 Million | $59.32 Million | $4.16 Billion | ▲ +93.8% |
| 2012 | 0.01x | $30.40 Million | $-15.70 Million | $3.53 Billion | ▼ -29.5% |
| 2011 | 0.01x | $41.73 Million | $20.59 Million | $3.42 Billion | ▼ -37.6% |
| 2010 | 0.02x | $57.78 Million | $40.90 Million | $2.95 Billion | ▼ -14.4% |
| 2009 | 0.02x | $57.16 Million | $47.96 Million | $2.50 Billion | ▼ -10.4% |
| 2008 | 0.03x | $74.18 Million | $46.28 Million | $2.91 Billion | ▲ +17.7% |
| 2007 | 0.02x | $54.57 Million | $42.67 Million | $2.52 Billion | ▼ -1.9% |
| 2006 | 0.02x | $52.07 Million | $22.62 Million | $2.35 Billion | ▼ -25.6% |
| 2005 | 0.03x | $59.02 Million | $32.05 Million | $1.99 Billion | ▼ -8.7% |
| 2004 | 0.03x | $52.26 Million | $34.84 Million | $1.61 Billion | ▼ -1.2% |
| 2003 | 0.03x | $42.45 Million | $30.20 Million | $1.29 Billion | ▲ +7.9% |
| 2002 | 0.03x | $28.89 Million | $21.39 Million | $945.68 Million | ▲ +172.3% |
| 2001 | 0.01x | $8.95 Million | $4.90 Million | $797.51 Million | ▼ -24.7% |
| 2000 | 0.01x | $11.35 Million | $9.78 Million | $761.35 Million | ▼ -38.1% |
| 1999 | 0.02x | $17.70 Million | $12.70 Million | $734.80 Million | ▼ -15.5% |
| 1998 | 0.03x | $16.30 Million | $2.20 Million | $572.00 Million | ▼ -16.5% |
| 1997 | 0.03x | $10.80 Million | $3.50 Million | $316.40 Million | ▲ +126.5% |
| 1996 | 0.02x | $3.80 Million | $2.80 Million | $252.10 Million | — |