OZK银行 OZK
$50.64 −$0.45 (-0.88%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $49.94 -1.38%
开盘$50.67
昨收$51.09
当日区间$50.54 – $51.10
成交量926.0K
市值$5.49B
市盈率（TTM）8.5
股息率3.59%
基本面
最新报告季度：Q2, ended Jun 2026
营收$430.02M+0.5% YoY
净利润$167.37M-8.5% YoY
摊薄每股收益$1.49-5.7% YoY
自由现金流$189.04M+47.6% YoY
经营现金流$204.95M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率38.8%
净资产收益率11.7%
资产收益率1.6%
负债/资产比率84.9%
现金及投资$1.55B
总负债$463.93M
净现金（净负债）$1.09B
自由现金流/营收43.8%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 营业总收入 | $430.02M | $418.10M | $1.73B | $440.65M | $449.94M |
| 净利息收入 | $392.15M | $385.57M | $1.59B | $407.05M | $413.86M |
| -利息收入 | $635.02M | $629.02M | $2.67B | $671.01M | $695.03M |
| -利息支出 | $242.87M | $243.45M | $1.08B | $263.96M | $281.17M |
| 非利息收入 | $37.87M | $32.53M | $135.70M | $33.60M | $36.08M |
| -已赚保费合计 | $6.13M | $6.06M | $24.01M | $6.06M | $6.35M |
| -手续费及佣金 | $26.91M | $22.92M | $90.49M | $23.03M | $23.55M |
| -其他非利息收入 | $3.86M | $2.74M | $17.02M | $3.57M | $4.21M |
| -资产出售损益 | $966,000.00 | $807,000.00 | $4.19M | $939,000.00 | $1.97M |
| 信用损失准备 | -$45.60M | -$41.95M | -$172.51M | -$50.57M | -$48.31M |
| 非利息支出 | $170.65M | $164.54M | $621.07M | $161.65M | $159.31M |
| 物业及设备费用 | $23.64M | $22.59M | $79.78M | $21.55M | $21.11M |
| 专业及外包服务费用 | $6.37M | $6.51M | $29.74M | $9.81M | $7.36M |
| 销售及管理费用 | $105.48M | $105.89M | $392.96M | $98.64M | $103.89M |
| -销售及营销费用 | $4.51M | $4.48M | $20.31M | $5.34M | $6.35M |
| -管理费用 | $100.97M | $101.41M | $372.65M | $93.31M | $97.54M |
| 其他非利息支出 | $35.16M | $29.56M | $118.60M | $31.64M | $26.95M |
| 税前利润 | $213.77M | $211.61M | $934.27M | $228.43M | $242.31M |
| 税费 | $46.40M | $48.25M | $218.81M | $52.52M | $57.74M |
| 净利润 | $167.37M | $163.36M | $715.46M | $175.91M | $184.57M |
| 持续经营利润 | $167.37M | $163.36M | $715.46M | $175.91M | $184.57M |
| 少数股东权益 | $0.00 | $0.00 | -$21,000.00 | -$52,000.00 | -$6,000.00 |
| 归属母公司净利润 | $167.37M | $163.36M | $715.48M | $175.96M | $184.58M |
| 优先股股息 | $4.05M | $4.05M | $16.19M | $4.05M | $4.05M |
| 归属普通股股东净利润 | $163.33M | $159.32M | $699.29M | $171.92M | $180.53M |
| 基本每股收益 | $1.49 | $1.44 | $6.20 | $1.54 | $1.60 |
| 摊薄每股收益 | $1.49 | $1.44 | $6.18 | $1.54 | $1.59 |
| 每股股息 | $0.47 | $0.46 | $1.74 | $0.45 | $0.44 |
| 证券摊销 | – | – | $0.00 | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $41.70B | $41.66B | $40.79B | $40.79B | $41.61B |
| 现金、现金等价物及联邦基金出售 | $1.55B | $1.70B | $2.83B | $2.83B | $3.12B |
| -现金及现金等价物 | $1.55B | $1.70B | $2.83B | $2.83B | $3.12B |
| 证券投资 | $4.24B | $3.84B | $2.61B | $2.61B | $2.76B |
| -可供出售证券 | $3.75B | $3.39B | $2.21B | $2.21B | $2.34B |
| -短期投资 | $486.42M | $457.62M | $404.55M | $404.55M | $419.95M |
| 贷款净额 | $32.10B | $32.50B | $31.84B | $31.84B | $32.31B |
| -贷款总额 | $32.56B | $32.98B | $32.32B | $32.32B | $32.85B |
| -贷款及租赁损失准备 | $461.53M | $479.95M | $475.72M | $475.72M | $532.34M |
| 应收款 | $175.39M | $176.25M | $171.58M | $171.58M | $178.31M |
| -应收账款 | $175.39M | $176.25M | $171.58M | $171.58M | $178.31M |
| 固定资产净值 | $980.59M | $973.25M | $922.00M | $922.00M | $890.43M |
| 商誉及其他无形资产 | $660.79M | $660.79M | $660.79M | $660.79M | $660.79M |
| -商誉 | $660.79M | $660.79M | $660.79M | $660.79M | $660.79M |
| 银行持有的寿险资产 | $862.95M | $857.06M | $851.63M | $851.63M | $845.57M |
| 抵债资产 | $292.74M | $154.50M | $61.08M | $61.08M | $78.58M |
| 联邦住房贷款银行股票 | $12.62M | $19.70M | $14.29M | $14.29M | $29.17M |
| 其他资产 | $829.22M | $781.67M | $818.44M | $818.44M | $729.28M |
| 负债合计 | $35.43B | $35.51B | $34.66B | $34.66B | $35.51B |
| 存款合计 | $34.00B | $33.76B | $33.38B | $33.38B | $33.98B |
| 长期债务及融资租赁负债 | $463.93M | $813.88M | $463.58M | $463.58M | $763.39M |
| -长期债务 | $463.93M | $813.88M | $463.58M | $463.58M | $763.39M |
| 非流动负债 | $156.27M | $148.52M | $156.13M | $156.13M | $147.26M |
| 其他负债 | $808.11M | $780.45M | $651.32M | $651.32M | $617.37M |
| 股东权益合计 | $6.28B | $6.16B | $6.13B | $6.13B | $6.09B |
| 股东权益 | $6.28B | $6.16B | $6.13B | $6.13B | $6.09B |
| 股本 | $340.07M | $340.07M | $340.08M | $340.08M | $340.11M |
| -普通股 | $1.09M | $1.09M | $1.10M | $1.10M | $1.13M |
| -优先股 | $338.98M | $338.98M | $338.98M | $338.98M | $338.98M |
| 资本公积 | $1.43B | $1.44B | $1.50B | $1.50B | $1.59B |
| 留存收益 | $4.54B | $4.43B | $4.32B | $4.32B | $4.20B |
| 不影响留存收益的损益 | -$26.76M | -$47.90M | -$24.86M | -$24.86M | -$36.01M |
| -固定资产原值 | – | – | $1.20B | $1.20B | – |
| -累计折旧 | – | – | -$274.16M | -$274.16M | – |
| 少数股东权益 | – | – | $0.00 | $0.00 | $202,000.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $204.95M | $239.03M | $837.73M | $206.43M | $215.27M |
| 持续经营经营活动现金流净额 | $204.95M | $239.03M | $837.73M | $206.43M | $215.27M |
| 持续经营净利润 | $167.37M | $163.36M | $715.46M | $175.91M | $184.58M |
| 持续经营损益 | -$966,000.00 | -$807,000.00 | -$4.19M | -$939,000.00 | -$1.97M |
| 折旧、折耗与摊销 | $41.23M | $31.57M | $125.59M | $34.89M | $30.56M |
| 递延税款 | $11.92M | -$10.17M | $11.78M | $22.46M | $11.51M |
| 其他非现金项目 | -$5.19M | -$6.78M | -$26.36M | -$7.87M | -$4.23M |
| 营运资金变动 | -$62.21M | $13.62M | -$183.25M | -$74.27M | -$59.63M |
| -应收款变动 | $855,000.00 | -$4.66M | $2.18M | $6.47M | $4.60M |
| -应付账款及应计费用变动 | -$41.63M | -$81.76M | -$173.16M | -$79.55M | -$40.82M |
| -其他流动资产变动 | -$21.44M | $100.04M | -$12.27M | -$1.19M | -$23.40M |
| 投资活动现金流净额 | -$163.54M | -$1.98B | -$2.34B | $562.22M | $290.46M |
| 持续经营投资活动现金流净额 | -$163.54M | -$1.98B | -$2.34B | $562.22M | $290.46M |
| 固定资产购置及出售净额 | -$15.91M | -$26.98M | -$106.00M | -$31.11M | -$29.28M |
| 业务购买及出售净额 | -$5.69M | -$9.31M | -$23.16M | -$5.42M | -$6.11M |
| 投资购置及出售净额 | -$366.55M | -$1.15B | $282.53M | $162.35M | $101.91M |
| 贷款净收益 | $212.83M | -$799.60M | -$2.65B | $400.16M | $114.22M |
| 其他投资变动净额 | $11.77M | -$390,000.00 | $150.19M | $36.24M | $109.71M |
| 筹资活动现金流 | -$189.08M | $610.43M | $1.56B | -$1.06B | -$90.74M |
| 持续经营筹资活动现金流净额 | -$189.08M | $610.43M | $1.56B | -$1.06B | -$90.74M |
| 存款增减 | $231.83M | $379.96M | $2.34B | -$599.96M | $462.85M |
| Net Issuance Payments of Debt | -$349.90M | $350.10M | -$420.28M | -$300.02M | -$500.04M |
| 普通股发行净额 | -$15.49M | -$59.96M | -$144.52M | -$101.00M | $0.00 |
| 已付现金股利 | -$55.51M | -$54.91M | -$212.97M | -$54.81M | -$53.66M |
| 股票期权行使所得 | $0.00 | -$4.77M | -$6.82M | $171,000.00 | $108,000.00 |
| 期末现金余额 | $1.55B | $1.70B | $2.83B | $2.83B | $3.12B |
| 现金净变动 | -$147.67M | -$1.13B | $52.72M | -$287.11M | $414.99M |
| 期初现金余额 | $1.70B | $2.83B | $2.78B | $3.12B | $2.71B |
| 自由现金流 | $189.04M | $212.06M | $731.73M | $175.32M | $186.00M |
| 其他筹资活动净额 | – | – | -$550,000.00 | -$150,000.00 | $0.00 |
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