If You Invested in Bank Ozk (OZK)
Looking for the live price? See the OZK quote & overviewWhat $1,000 or $10,000 in OZK Would Be Worth Today
Real historical value by amount invested and how long ago| If you invested | 1 year ago | 5 years ago | 10 years ago | Since Jul 7, 2015 |
|---|---|---|---|---|
| $1,000 | $988 -1% | $1,216 +22% | $1,425 +42% | $1,125 +12% |
| $10,000 | $9,883 -1% | $12,156 +22% | $14,248 +42% | $11,248 +12% |
Based on real historical closing prices through the latest market close. Past performance does not guarantee future results.
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OZK vs S&P 500Year-by-Year Returns
OZK annual performance| Year | Start Price | End Price | Annual Return | Cumulative |
|---|---|---|---|---|
| 2017 | $52.91 | $48.45 | -8.4% | -8.4% |
| 2018 | $48.39 | $22.83 | -52.8% | -56.9% |
| 2019 | $23.20 | $30.51 | +31.5% | -42.3% |
| 2020 | $30.80 | $31.27 | +1.5% | -40.9% |
| 2021 | $31.52 | $46.53 | +47.6% | -12.1% |
| 2022 | $47.14 | $40.06 | -15.0% | -24.3% |
| 2023 | $39.30 | $49.83 | +26.8% | -5.8% |
| 2024 | $49.75 | $44.53 | -10.5% | -15.8% |
| 2025 | $43.83 | $46.02 | +5.0% | -13.0% |
| 2026 | $47.04 | $49.84 | +6.0% | -5.8% |
About Bank Ozk
Financial Services · NASDAQ
Bank OZK (Nasdaq: OZK) is a regional bank in the commercial banking industry within the finance and insurance sector. According to company disclosures, Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks, and provides a range of traditional and specialized banking services to its customers. The bank states that it offers deposit services and loan products, as well as additional banking-related services and specialized real estate financing.
Bank OZK reports that it offers deposit services including checking, savings, money market, time deposit, and individual retirement accounts. On the lending side, it describes providing real estate, consumer, commercial, and industrial loans. Beyond these core banking activities, the bank indicates that it also offers treasury management, trust and wealth management, financial planning, online banking, and other related services.
Regional footprint and operations
Bank OZK states that it conducts banking operations in over 250 offices across nine U.S. states, including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California and Mississippi. The bank identifies itself as a regional bank and notes that its operations are delivered by what it describes as expert bankers. Public information from the company indicates that it has been established since 1903 and is based in Little Rock, Arkansas.
Through its Real Estate Specialties Group (RESG), Bank OZK reports that it provides financing on commercial real estate projects throughout the nation. The bank describes RESG as focused on senior secured financing for a variety of property types, and notes that these include mixed use, multifamily housing, condominiums, office, hospitality, life sciences, industrial and retail properties. Company disclosures state that, over a multi‑year period ending in 2025, RESG originated tens of billions of dollars in new loans.
Business model and services
Based on the company’s own descriptions, Bank OZK’s business model centers on providing commercial banking services through a network of offices and specialized lending groups. The bank indicates that it generates activity through:
- Deposit accounts such as checking, savings, money market, time deposits, and individual retirement accounts.
- Lending products including real estate, consumer, commercial, and industrial loans.
- Banking-related services such as treasury management, trust and wealth management, financial planning, and online banking.
- Commercial real estate financing through its Real Estate Specialties Group, which focuses on senior secured loans for a range of property types across the United States.
The bank describes itself as providing what it calls innovative financial solutions, delivered through a regional footprint and specialized lending capabilities. Its disclosures emphasize a focus on commercial real estate lending via RESG alongside more traditional community banking activities.
Stock information and dividends
Bank OZK’s common stock trades on Nasdaq under the ticker OZK. The bank also has 4.625% Series A Non‑Cumulative Perpetual Preferred Stock trading on Nasdaq under the ticker OZKAP. The company has publicly reported a long history of increasing its quarterly cash dividend on its common stock for many consecutive quarters. Bank OZK further notes that this dividend track record has resulted in its inclusion in the S&P High Yield Dividend Aristocrats index, which consists of members of the S&P Composite 1500 that have followed a managed‑dividends policy of consistently increasing common stock dividends every year for at least 20 years and that meet specified market capitalization and liquidity requirements.
Regulatory reporting
Bank OZK states that it files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (FDIC). The bank indicates that copies of these filings are available electronically at the FDIC’s website and through its own channels. These filings include detailed information about its financial condition, operations, risk factors, and other regulatory disclosures relevant to investors and depositors.
Role in commercial real estate finance
In multiple public communications, Bank OZK highlights the role of its Real Estate Specialties Group in financing commercial real estate projects. The bank reports that RESG provides senior secured construction and related financing for property types such as mixed use developments, multifamily housing, condominiums, office buildings, hospitality assets, life sciences facilities, industrial properties and retail centers. The bank describes RESG as a significant originator of such loans over recent multi‑year periods, with activity measured in tens of billions of dollars of new originations.
Examples cited in public announcements show Bank OZK providing financing for industrial portfolios and multifamily developments, often in partnership with real estate developers and capital markets intermediaries. These transactions illustrate how the bank applies its stated expertise in commercial real estate lending to projects in various U.S. markets.
Dividends and index inclusion
Bank OZK has publicly announced repeated quarterly increases in its common stock dividend over many years. The bank notes that it has increased its quarterly cash dividend on its common stock in each of numerous consecutive quarters, and that this consistency has led to its inclusion in the S&P High Yield Dividend Aristocrats index since January 2018. The index methodology, as described in company communications referencing S&P Dow Jones Indices, requires constituents to have a record of increasing common stock dividends every year for at least 20 years and to meet minimum float‑adjusted market capitalization and liquidity thresholds.
In addition to common stock dividends, Bank OZK’s Board of Directors has declared quarterly cash dividends on its 4.625% Series A Non‑Cumulative Perpetual Preferred Stock, with specific per‑share amounts and record dates announced in its public releases.
Summary
In summary, Bank OZK is a regional commercial bank and bank holding company that owns and operates Bank of the Ozarks and provides a range of deposit, lending, and banking‑related services. It operates a multi‑state branch network, emphasizes commercial real estate financing through its Real Estate Specialties Group, and is listed on Nasdaq under the symbol OZK, with preferred shares trading under OZKAP. The bank highlights a long history of increasing common stock dividends and participation in a dividend‑focused index, along with ongoing regulatory reporting through the FDIC framework.
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Frequently Asked Questions
Bank Ozk investment returns
How much would $1,000 invested in Bank Ozk be worth today?
If you invested $1,000 in Bank Ozk (OZK) 10 years ago on 2016-07-06, your investment would be worth $1,425 today, representing a +42.5% total return, growing at a compounded rate of 3.6% per year (CAGR).
Has Bank Ozk outperformed the S&P 500?
Over the past 10 years, OZK returned +42.5% compared to +255.2% for the S&P 500, underperforming the benchmark by 212.8 percentage points.
What is Bank Ozk's average annual return?
The compound annual growth rate (CAGR) of OZK over the past 10 years is 3.6%, growing at a compounded rate each year. Individual years vary significantly — OZK's best recent year was 2021 (+47.6%) and worst was 2018 (-52.8%).
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