Bank Ozk (OZK) - Net Assets
Based on the latest financial reports, Bank Ozk (OZK) has net assets worth $6.28 Billion USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($41.70 Billion) and total liabilities ($35.43 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Bank Ozk strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $6.28 Billion |
| % of Total Assets | 15.05% |
| Annual Growth Rate | 22.15% |
| 5-Year Change | 26.67% |
| 10-Year Change | 119.33% |
| Growth Volatility | 30.98 |
Bank Ozk - Net Assets Trend (1996–2025)
This chart illustrates how Bank Ozk's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see how much is Bank Ozk worth.
Annual Net Assets for Bank Ozk (1996–2025)
The table below shows the annual net assets of Bank Ozk from 1996 to 2025. Also explore Bank Ozk annual equity growth to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $6.13 Billion | +7.42% |
| 2024-12-31 | $5.71 Billion | +11.02% |
| 2023-12-31 | $5.14 Billion | +9.57% |
| 2022-12-31 | $4.69 Billion | -3.07% |
| 2021-12-31 | $4.84 Billion | +13.19% |
| 2020-12-31 | $4.28 Billion | +2.93% |
| 2019-12-31 | $4.15 Billion | +10.07% |
| 2018-12-31 | $3.77 Billion | +8.94% |
| 2017-12-31 | $3.46 Billion | +23.93% |
| 2016-12-31 | $2.79 Billion | -- |
| 2015-12-31 | $0.00 | -- |
| 2014-12-31 | $0.00 | -- |
| 2013-12-31 | $628.43 Million | +22.95% |
| 2012-12-31 | $511.11 Million | +20.39% |
| 2011-12-31 | $424.55 Million | +31.13% |
| 2010-12-31 | $323.77 Million | +18.83% |
| 2009-12-31 | $272.47 Million | -16.83% |
| 2008-12-31 | $327.60 Million | +68.64% |
| 2007-12-31 | $194.26 Million | +11.24% |
| 2006-12-31 | $174.63 Million | +16.89% |
| 2005-12-31 | $149.40 Million | +23.06% |
| 2004-12-31 | $121.41 Million | +23.27% |
| 2003-12-31 | $98.49 Million | +9.23% |
| 2002-12-31 | $90.17 Million | +22.07% |
| 2001-12-31 | $73.87 Million | +12.60% |
| 2000-12-31 | $65.60 Million | +7.19% |
| 1999-12-31 | $61.20 Million | +51.49% |
| 1998-12-31 | $40.40 Million | +13.17% |
| 1997-12-31 | $35.70 Million | +92.97% |
| 1996-12-31 | $18.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Ozk's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 24855.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $4.32 Billion | 70.43% |
| Common Stock | $1.10 Million | 0.02% |
| Other Comprehensive Income | $-24.86 Million | -0.41% |
| Other Components | $1.84 Billion | 29.96% |
| Total Equity | $6.13 Billion | 100.00% |
Bank Ozk Competitors by Market Cap
The table below lists competitors of Bank Ozk ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
GlaxoSmithKline Pharmaceuticals Limited
NSE:GLAXO
|
$5.23 Billion |
|
Lifan Industry Group Co Ltd
SHG:601777
|
$5.23 Billion |
|
Eregli Demir ve Celik Fabrikalari TAS
IS:EREGL
|
$5.24 Billion |
|
Technip Energies BV
PA:TE
|
$5.24 Billion |
|
Tsingtao Brewery Co Ltd
SHG:600600
|
$5.23 Billion |
|
Main Street Capital Corporation
NYSE:MAIN
|
$5.23 Billion |
|
Perimeter Solutions SA
NYSE:PRM
|
$5.22 Billion |
|
Ryan Specialty Group Holdings Inc
NYSE:RYAN
|
$5.22 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Ozk's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 5,705,623,000 to 6,129,851,000, a change of 424,228,000 (7.4%).
- Net income of 715,480,000 contributed positively to equity growth.
- Dividend payments of 212,965,000 reduced retained earnings.
- Share repurchases of 144,523,000 reduced equity.
- Other comprehensive income increased equity by 51,277,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $715.48 Million | +11.67% |
| Dividends Paid | $212.97 Million | -3.47% |
| Share Repurchases | $144.52 Million | -2.36% |
| Other Comprehensive Income | $51.28 Million | +0.84% |
| Other Changes | $14.96 Million | +0.24% |
| Total Change | $- | 7.44% |
Book Value vs Market Value Analysis
This analysis compares Bank Ozk's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.88x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 118.59x to 0.88x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $0.40 | $47.99 | x |
| 1997-12-31 | $0.68 | $47.99 | x |
| 1998-12-31 | $0.66 | $47.99 | x |
| 1999-12-31 | $0.73 | $47.99 | x |
| 2000-12-31 | $0.80 | $47.99 | x |
| 2001-12-31 | $0.92 | $47.99 | x |
| 2002-12-31 | $1.16 | $47.99 | x |
| 2003-12-31 | $1.51 | $47.99 | x |
| 2004-12-31 | $1.83 | $47.99 | x |
| 2005-12-31 | $2.23 | $47.99 | x |
| 2006-12-31 | $2.60 | $47.99 | x |
| 2007-12-31 | $2.84 | $47.99 | x |
| 2008-12-31 | $4.80 | $47.99 | x |
| 2009-12-31 | $3.98 | $47.99 | x |
| 2010-12-31 | $4.69 | $47.99 | x |
| 2011-12-31 | $6.16 | $47.99 | x |
| 2012-12-31 | $7.28 | $47.99 | x |
| 2013-12-31 | $8.63 | $47.99 | x |
| 2014-12-31 | $11.64 | $47.99 | x |
| 2015-12-31 | $16.77 | $47.99 | x |
| 2016-12-31 | $26.66 | $47.99 | x |
| 2017-12-31 | $27.53 | $47.99 | x |
| 2018-12-31 | $29.31 | $47.99 | x |
| 2019-12-31 | $32.20 | $47.99 | x |
| 2020-12-31 | $33.01 | $47.99 | x |
| 2021-12-31 | $37.31 | $47.99 | x |
| 2022-12-31 | $38.85 | $47.99 | x |
| 2023-12-31 | $44.75 | $47.99 | x |
| 2024-12-31 | $50.04 | $47.99 | x |
| 2025-12-31 | $54.70 | $47.99 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Ozk utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.67%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.50%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 6.65x
- Recent ROE (11.67%) is below the historical average (14.87%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 16.22% | 12.66% | 0.09x | 14.63x | $1.15 Million |
| 1997 | 12.61% | 14.80% | 0.09x | 9.86x | $930.00K |
| 1998 | 13.86% | 12.76% | 0.07x | 15.16x | $1.56 Million |
| 1999 | 16.86% | 13.05% | 0.07x | 18.13x | $3.01 Million |
| 2000 | 15.77% | 11.50% | 0.08x | 17.10x | $2.79 Million |
| 2001 | 15.82% | 13.28% | 0.08x | 15.39x | $3.30 Million |
| 2002 | 19.76% | 19.84% | 0.07x | 14.21x | $7.11 Million |
| 2003 | 20.51% | 23.41% | 0.06x | 14.08x | $10.35 Million |
| 2004 | 21.32% | 25.02% | 0.06x | 14.22x | $13.74 Million |
| 2005 | 21.08% | 23.83% | 0.06x | 14.29x | $16.55 Million |
| 2006 | 18.15% | 17.76% | 0.07x | 14.48x | $14.23 Million |
| 2007 | 16.64% | 15.88% | 0.07x | 14.21x | $12.66 Million |
| 2008 | 10.56% | 16.92% | 0.06x | 9.97x | $1.83 Million |
| 2009 | 16.02% | 19.87% | 0.08x | 10.30x | $16.20 Million |
| 2010 | 19.98% | 33.97% | 0.06x | 10.22x | $31.97 Million |
| 2011 | 23.87% | 41.93% | 0.06x | 9.04x | $58.87 Million |
| 2012 | 15.18% | 30.89% | 0.06x | 7.96x | $26.28 Million |
| 2013 | 14.60% | 32.93% | 0.06x | 7.66x | $28.74 Million |
| 2014 | 13.06% | 32.33% | 0.05x | 7.45x | $27.77 Million |
| 2015 | 12.44% | 35.95% | 0.05x | 6.75x | $35.79 Million |
| 2016 | 9.67% | 35.73% | 0.04x | 6.77x | $-9.18 Million |
| 2017 | 12.18% | 40.36% | 0.05x | 6.14x | $75.51 Million |
| 2018 | 11.05% | 34.73% | 0.05x | 5.93x | $39.77 Million |
| 2019 | 10.25% | 33.73% | 0.05x | 5.67x | $10.56 Million |
| 2020 | 6.83% | 24.80% | 0.04x | 6.36x | $-135.33 Million |
| 2021 | 11.97% | 48.78% | 0.04x | 5.49x | $95.38 Million |
| 2022 | 12.03% | 40.86% | 0.05x | 5.90x | $95.18 Million |
| 2023 | 13.44% | 30.69% | 0.07x | 6.66x | $176.88 Million |
| 2024 | 12.56% | 25.83% | 0.07x | 6.71x | $145.89 Million |
| 2025 | 11.67% | 25.50% | 0.07x | 6.65x | $102.49 Million |
Industry Comparison
This section compares Bank Ozk's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $574,041,500
- Average return on equity (ROE) among peers: 7.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Ozk (OZK) | $6.28 Billion | 16.22% | 5.64x | $5.23 Billion |
| Ameris Bancorp (ABCB) | $141.98 Million | 7.29% | 7.40x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $804.48 Million | 9.14% | 8.77x | $5.62 Billion |
| ACNB Corporation (ACNB) | $61.12 Million | 12.64% | 7.91x | $656.47 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $822.80 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $708.35 Million |
| Associated Banc-Corp (ASB) | $2.88 Billion | 5.86% | 7.41x | $5.62 Billion |
| AmeriServ Financial Inc (ASRV) | $107.25 Million | 3.36% | 12.26x | $78.95 Million |
About Bank Ozk
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as p… Read more