Estados financieros detallados de Bank OZK (OZK): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Bank OZK registró ingresos de $2.81B en el último ejercicio fiscal, con un CAGR de 5 años del 19.0%. El beneficio neto alcanzó $715.5M, con un CAGR a 5 años del 19.6%.
Márgenes de los últimos 12 meses: margen bruto 56.0%, margen operativo 32.3%, margen neto 25.0%. El flujo de caja libre creció a un CAGR del 7.8% en 5 años.
Al precio actual de $47.99, OZK cotiza a un P/E de 8.11 y un ROE del 11.21%. La capitalización bursátil es de $5.2B.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $755.6M | $1.05B | $1.20B | $1.26B | $1.18B | $1.19B | $1.38B | $2.25B | $2.77B | $2.81B |
| Coste de Ventas | $84.8M | $143.3M | $273.8M | $304.6M | $395.8M | $3.6M | $207.3M | $854.2M | $1.29B | $1.25B |
| Beneficio Bruto | $670.7M | $902.2M | $927.3M | $958.0M | $781.3M | $1.18B | $1.17B | $1.40B | $1.48B | $1.56B |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $140.2M | $171.3M | $196.8M | $213.5M | $228.1M | $228.5M | $244.8M | $305.3M | $342.2M | $389.2M |
| Gastos Operativos | $246.4M | $321.6M | $373.2M | $393.7M | $405.1M | $430.3M | $451.7M | $529.6M | $551.3M | $621.1M |
| Beneficio Operativo | $424.4M | $580.5M | $554.1M | $564.3M | $376.2M | $752.9M | $721.5M | $867.0M | $931.3M | $934.3M |
| EBITDA | $453.5M | $620.1M | $589.5M | $606.8M | $420.0M | $796.1M | $777.0M | $930.8M | $1.02B | $1.06B |
| Gastos por Intereses | $61.0M | $115.2M | $209.4M | $278.4M | $192.2M | $81.6M | $123.8M | $688.7M | $1.12B | $1.08B |
| Beneficio Antes de Impuestos | $424.4M | $580.5M | $554.1M | $564.3M | $376.2M | $752.9M | $721.5M | $867.0M | $931.3M | $934.3M |
| Impuestos | $154.3M | $158.6M | $137.0M | $138.4M | $84.3M | $173.9M | $157.4M | $176.2M | $214.8M | $218.8M |
| Beneficio Neto | $270.0M | $421.9M | $417.1M | $425.9M | $291.9M | $579.0M | $564.1M | $690.8M | $716.5M | $715.5M |
| BPA | $2.59 | $3.36 | $3.24 | $3.30 | $2.26 | $4.49 | $4.55 | $5.89 | $6.16 | $6.21 |
| BPA Diluido | $2.58 | $3.35 | $3.24 | $3.30 | $2.26 | $4.47 | $4.54 | $5.87 | $6.14 | $6.17 |
| Acciones en Circulación (Diluidas) | $104.7M | $125.8M | $128.7M | $129.0M | $129.4M | $129.6M | $120.7M | $114.8M | $114.0M | $112.1M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $731.1M | $704.6M | $661.5M | $672.9M |
| Beneficio Bruto | $401.6M | $390.1M | $376.2M | $384.4M |
| Beneficio Operativo | $242.3M | $228.4M | $211.6M | $213.8M |
| EBITDA | $272.9M | $228.4M | $243.2M | $255.0M |
| Beneficio Neto | $184.6M | $176.0M | $163.4M | $167.4M |
| BPA | $1.59 | $1.54 | $1.44 | $1.49 |
| BPA Diluido | $1.59 | $1.53 | $1.44 | $1.49 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $866.4M | $440.4M | $290.7M | $1.50B | $2.39B | $2.05B | $1.03B | $2.15B | $2.78B | 0 |
| Inversiones a Corto | $1.47B | $2.59B | $2.86B | $2.28B | $3.41B | $3.92B | $3.49B | $3.24B | $565.5M | 0 |
| Cuentas por Cobrar | $51.9M | $64.6M | $82.0M | $75.2M | $88.1M | $83.0M | $125.1M | $170.1M | $174.0M | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $2.39B | $3.10B | $3.23B | $3.85B | $5.89B | $6.05B | $4.65B | $5.56B | $3.52B | $3.07B |
| Inmovilizado Material | $504.1M | $519.8M | $567.2M | $711.5M | $738.8M | $695.9M | $678.4M | $676.8M | $739.1M | $922.0M |
| Fondo de Comercio | $660.1M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M |
| Activos Intangibles | $60.9M | $48.3M | $35.7M | $23.8M | $14.7M | $8.3M | $2.8M | 0 | 0 | 0 |
| Activos Totales | $18.89B | $21.28B | $22.39B | $23.56B | $27.16B | $26.53B | $27.66B | $34.24B | $38.26B | $40.79B |
| Cuentas por Pagar | $72.6M | $186.2M | $216.4M | $221.8M | $251.9M | $186.8M | $233.9M | 0 | 0 | 0 |
| Deuda a Corto | $65.1M | $69.3M | $20.6M | $11.2M | $8.0M | $6.1M | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $15.71B | $17.63B | $18.18B | $18.71B | $21.71B | $20.40B | $21.73B | $27.41B | $31.04B | $3.83B |
| Deuda a Largo | $382.7M | $364.0M | $439.3M | $695.0M | $1.10B | $1.22B | $1.08B | $1.27B | $883.0M | $463.6M |
| Pasivos Totales | $16.10B | $17.81B | $18.61B | $19.40B | $22.89B | $21.69B | $22.97B | $29.10B | $32.55B | $34.66B |
| Reservas | $914.4M | $1.25B | $1.57B | $1.87B | $1.95B | $2.38B | $2.77B | $3.28B | $3.82B | $4.32B |
| Patrimonio Neto | $2.79B | $3.46B | $3.77B | $4.15B | $4.27B | $4.84B | $4.69B | $5.14B | $5.71B | $6.13B |
| Deuda Total | $447.8M | $433.4M | $459.9M | $706.2M | $1.10B | $1.23B | $1.08B | $1.27B | $883.0M | $463.6M |
| Deuda Neta | -$1.89B | -$2.63B | -$2.69B | -$3.07B | -$4.70B | -$4.74B | -$3.45B | -$4.12B | -$2.46B | $463.6M |
| Capital Circulante | -$13.32B | -$14.54B | -$14.94B | -$14.86B | -$15.82B | -$14.35B | -$17.08B | -$21.84B | -$27.52B | -$766.4M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $3.12B | 0 | $1.70B | $1.55B |
| Activos Totales | $41.61B | $40.79B | $41.66B | $41.70B |
| Pasivos Totales | $35.51B | $34.66B | $35.51B | $35.43B |
| Patrimonio Neto | $6.09B | $6.13B | $6.16B | $6.28B |
| Deuda Total | $763.4M | $463.6M | $813.9M | $668.2M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $270.1M | $421.9M | $417.1M | $425.9M | $291.9M | $579.0M | $564.1M | $690.8M | $716.5M | $715.5M |
| Amortizaciones | $25.0M | $34.1M | $35.4M | $42.5M | $43.8M | $43.1M | $55.5M | $63.8M | $89.2M | $125.6M |
| Compensación en Acciones | $10.8M | $12.3M | $14.1M | $14.2M | $14.8M | $16.0M | $13.2M | $17.4M | $20.7M | $23.1M |
| Cambio en Capital Circulante | -$7.5M | -$235.2M | $172.7M | $48.6M | -$36.4M | $12.0M | -$14.7M | $11.5M | -$212.4M | -$183.2M |
| Flujo de Caja Operativo | $241.9M | $384.5M | $705.3M | $424.6M | $551.9M | $528.2M | $764.9M | $881.6M | $834.5M | $837.7M |
| Inversiones (CapEx) | -$45.2M | -$38.9M | -$86.8M | -$98.7M | -$49.6M | -$33.9M | -$29.9M | -$29.1M | -$95.6M | -$106.0M |
| Adquisiciones | $203.7M | 0 | 0 | -$28.0M | -$106.2M | -$156.2M | -$74.3M | -$92.2M | -$25.4M | -$550000 |
| Recompra de Acciones | -$3.3M | 0 | -$3.8M | -$1.7M | -$1.9M | -$195.4M | -$355.5M | -$160.1M | -$8.5M | -$144.5M |
| Dividendos Pagados | -$62.2M | -$88.7M | -$102.2M | -$121.1M | -$139.3M | -$146.5M | -$168.9M | -$179.2M | -$195.6M | -$213.0M |
| Flujo de Caja Libre | $196.8M | $345.6M | $618.6M | $326.0M | $502.3M | $494.3M | $735.1M | $852.4M | $738.8M | $731.7M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $215.3M | $206.4M | $239.0M | $205.0M |
| Inversiones (CapEx) | -$29.3M | -$31.1M | -$27.0M | -$15.9M |
| Flujo de Caja Libre | $186.0M | $175.3M | $212.1M | $189.0M |
| Dividendos Pagados | -$53.7M | -$54.8M | -$54.9M | -$55.5M |
| Compensación en Acciones | $5.6M | 0 | $6.0M | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +38.4% | +14.9% | +5.1% | -6.8% | +0.8% | +16.3% | +63.0% | +23.2% | +1.1% |
| Crecimiento Beneficio Neto (anual) | | +56.3% | -1.1% | +2.1% | -31.5% | +98.4% | -2.6% | +22.4% | +3.7% | -0.1% |
| Crecimiento BPA (anual) | | +29.7% | -3.6% | +1.9% | -31.5% | +98.7% | +1.3% | +29.5% | +4.6% | +0.8% |
| Cambio en Acciones (anual) | | +20.2% | +2.3% | +0.2% | +0.3% | +0.1% | -6.9% | -4.9% | -0.7% | -1.7% |
| Crecimiento FCF (anual) | | +75.7% | +79.0% | -47.3% | +54.1% | -1.6% | +48.7% | +16.0% | -13.3% | -1.0% |
| Margen Bruto | 88.8% | 86.3% | 77.2% | 75.9% | 66.4% | 99.7% | 85.0% | 62.0% | 53.4% | 55.4% |
| Margen Operativo | 56.2% | 55.5% | 46.1% | 44.7% | 32.0% | 63.4% | 52.3% | 38.5% | 33.6% | 33.3% |
| Margen EBITDA | 60.0% | 59.3% | 49.1% | 48.1% | 35.7% | 67.1% | 56.3% | 41.4% | 36.8% | 37.8% |
| Margen Neto | 35.7% | 40.4% | 34.7% | 33.7% | 24.8% | 48.8% | 40.9% | 30.7% | 25.8% | 25.5% |
| Margen FCF | 26.0% | 33.1% | 51.5% | 25.8% | 42.7% | 41.6% | 53.2% | 37.9% | 26.6% | 26.1% |
| Tasa Impositiva Efectiva | 36.4% | 27.3% | 24.7% | 24.5% | 22.4% | 23.1% | 21.8% | 20.3% | 23.1% | 23.4% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.88 | $2.75 | $4.80 | $2.53 | $3.88 | $3.81 | $6.09 | $7.42 | $6.48 | $6.53 |
| Dividendo por Acción | $0.59 | $0.71 | $0.79 | $0.94 | $1.08 | $1.13 | $1.40 | $1.56 | $1.72 | $1.90 |
| Acciones en Circulación (Básicas) | $104.2M | $125.5M | $128.6M | $128.9M | $129.3M | $129.1M | $120.3M | $114.5M | $113.6M | $110.4M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 11.21% |
| Rentabilidad sobre capital invertido | 1.66% |
| Rentabilidad sobre activos | 1.66% |
| Margen bruto | 56.04% |
| Margen operativo | 32.35% |
| Margen neto | 24.95% |
Salud financiera
| Deuda / Patrimonio | 0.11 |
| Ratio corriente | 0.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.36 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 20.31 | 14.40 | 7.05 | 9.25 | 13.84 | 10.36 | 8.80 | 8.46 | 7.23 | 7.41 |
| P/VC | 1.96 | 1.75 | 0.78 | 0.95 | 0.95 | 1.24 | 1.03 | 1.11 | 0.89 | 0.83 |
| P/V | 7.26 | 5.81 | 2.44 | 3.12 | 3.44 | 5.06 | 3.49 | 2.53 | 1.82 | 1.81 |
| Margen Bruto | 88.8% | 86.3% | 77.2% | 75.9% | 66.4% | 99.7% | 85.0% | 62.0% | 53.4% | 55.4% |
| Margen Operativo | 56.2% | 55.5% | 46.1% | 44.7% | 32.0% | 63.4% | 52.3% | 38.5% | 33.6% | 33.3% |
| Margen Neto | 35.7% | 40.4% | 34.7% | 33.7% | 24.8% | 48.8% | 40.9% | 30.7% | 25.8% | 25.5% |