Demonstrações financeiras detalhadas de Bank OZK (OZK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Bank OZK registou receitas de $2.81B no último exercício, com um CAGR de 5 anos de 19.0%. O lucro líquido atingiu $715.5M, com CAGR de 5 anos de 19.6%.
Margens dos últimos 12 meses: margem bruta 56.0%, margem operacional 32.3%, margem líquida 25.0%. O fluxo de caixa livre cresceu a CAGR de 7.8% em 5 anos.
Ao preço atual de $47.99, OZK negocia a um P/L de 8.11 e um ROE de 11.21%. A capitalização de mercado é de $5.2B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $755.6M | $1.05B | $1.20B | $1.26B | $1.18B | $1.19B | $1.38B | $2.25B | $2.77B | $2.81B |
| Custo da Receita | $84.8M | $143.3M | $273.8M | $304.6M | $395.8M | $3.6M | $207.3M | $854.2M | $1.29B | $1.25B |
| Lucro Bruto | $670.7M | $902.2M | $927.3M | $958.0M | $781.3M | $1.18B | $1.17B | $1.40B | $1.48B | $1.56B |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $140.2M | $171.3M | $196.8M | $213.5M | $228.1M | $228.5M | $244.8M | $305.3M | $342.2M | $389.2M |
| Despesas Operacionais | $246.4M | $321.6M | $373.2M | $393.7M | $405.1M | $430.3M | $451.7M | $529.6M | $551.3M | $621.1M |
| Lucro Operacional | $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 |
| Despesas com Juros | $61.0M | $115.2M | $209.4M | $278.4M | $192.2M | $81.6M | $123.8M | $688.7M | $1.12B | $1.08B |
| Lucro Antes de Impostos | $424.4M | $580.5M | $554.1M | $564.3M | $376.2M | $752.9M | $721.5M | $867.0M | $931.3M | $934.3M |
| Imposto | $154.3M | $158.6M | $137.0M | $138.4M | $84.3M | $173.9M | $157.4M | $176.2M | $214.8M | $218.8M |
| Lucro Líquido | $270.0M | $421.9M | $417.1M | $425.9M | $291.9M | $579.0M | $564.1M | $690.8M | $716.5M | $715.5M |
| LPA | $2.59 | $3.36 | $3.24 | $3.30 | $2.26 | $4.49 | $4.55 | $5.89 | $6.16 | $6.21 |
| LPA Diluído | $2.58 | $3.35 | $3.24 | $3.30 | $2.26 | $4.47 | $4.54 | $5.87 | $6.14 | $6.17 |
| Ações em Circulação (Diluídas) | $104.7M | $125.8M | $128.7M | $129.0M | $129.4M | $129.6M | $120.7M | $114.8M | $114.0M | $112.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $731.1M | $704.6M | $661.5M | $672.9M |
| Lucro Bruto | $401.6M | $390.1M | $376.2M | $384.4M |
| Lucro Operacional | $242.3M | $228.4M | $211.6M | $213.8M |
| EBITDA | $272.9M | $228.4M | $243.2M | $255.0M |
| Lucro Líquido | $184.6M | $176.0M | $163.4M | $167.4M |
| LPA | $1.59 | $1.54 | $1.44 | $1.49 |
| LPA Diluído | $1.59 | $1.53 | $1.44 | $1.49 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $866.4M | $440.4M | $290.7M | $1.50B | $2.39B | $2.05B | $1.03B | $2.15B | $2.78B | 0 |
| Investimentos de Curto Prazo | $1.47B | $2.59B | $2.86B | $2.28B | $3.41B | $3.92B | $3.49B | $3.24B | $565.5M | 0 |
| Contas a Receber | $51.9M | $64.6M | $82.0M | $75.2M | $88.1M | $83.0M | $125.1M | $170.1M | $174.0M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $2.39B | $3.10B | $3.23B | $3.85B | $5.89B | $6.05B | $4.65B | $5.56B | $3.52B | $3.07B |
| Imobilizado | $504.1M | $519.8M | $567.2M | $711.5M | $738.8M | $695.9M | $678.4M | $676.8M | $739.1M | $922.0M |
| Ágio | $660.1M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M |
| Ativos Intangíveis | $60.9M | $48.3M | $35.7M | $23.8M | $14.7M | $8.3M | $2.8M | 0 | 0 | 0 |
| Ativos Totais | $18.89B | $21.28B | $22.39B | $23.56B | $27.16B | $26.53B | $27.66B | $34.24B | $38.26B | $40.79B |
| Contas a Pagar | $72.6M | $186.2M | $216.4M | $221.8M | $251.9M | $186.8M | $233.9M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $65.1M | $69.3M | $20.6M | $11.2M | $8.0M | $6.1M | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $15.71B | $17.63B | $18.18B | $18.71B | $21.71B | $20.40B | $21.73B | $27.41B | $31.04B | $3.83B |
| Dívida de Longo Prazo | $382.7M | $364.0M | $439.3M | $695.0M | $1.10B | $1.22B | $1.08B | $1.27B | $883.0M | $463.6M |
| Passivos Totais | $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 |
| Patrimônio Líquido | $2.79B | $3.46B | $3.77B | $4.15B | $4.27B | $4.84B | $4.69B | $5.14B | $5.71B | $6.13B |
| Dívida Total | $447.8M | $433.4M | $459.9M | $706.2M | $1.10B | $1.23B | $1.08B | $1.27B | $883.0M | $463.6M |
| Dívida Líquida | -$1.89B | -$2.63B | -$2.69B | -$3.07B | -$4.70B | -$4.74B | -$3.45B | -$4.12B | -$2.46B | $463.6M |
| Capital de Giro | -$13.32B | -$14.54B | -$14.94B | -$14.86B | -$15.82B | -$14.35B | -$17.08B | -$21.84B | -$27.52B | -$766.4M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $3.12B | 0 | $1.70B | $1.55B |
| Ativos Totais | $41.61B | $40.79B | $41.66B | $41.70B |
| Passivos Totais | $35.51B | $34.66B | $35.51B | $35.43B |
| Patrimônio Líquido | $6.09B | $6.13B | $6.16B | $6.28B |
| Dívida Total | $763.4M | $463.6M | $813.9M | $668.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $270.1M | $421.9M | $417.1M | $425.9M | $291.9M | $579.0M | $564.1M | $690.8M | $716.5M | $715.5M |
| Depreciação e Amortização | $25.0M | $34.1M | $35.4M | $42.5M | $43.8M | $43.1M | $55.5M | $63.8M | $89.2M | $125.6M |
| Compensação em Ações | $10.8M | $12.3M | $14.1M | $14.2M | $14.8M | $16.0M | $13.2M | $17.4M | $20.7M | $23.1M |
| Variação Capital de Giro | -$7.5M | -$235.2M | $172.7M | $48.6M | -$36.4M | $12.0M | -$14.7M | $11.5M | -$212.4M | -$183.2M |
| Fluxo de Caixa Operacional | $241.9M | $384.5M | $705.3M | $424.6M | $551.9M | $528.2M | $764.9M | $881.6M | $834.5M | $837.7M |
| CapEx | -$45.2M | -$38.9M | -$86.8M | -$98.7M | -$49.6M | -$33.9M | -$29.9M | -$29.1M | -$95.6M | -$106.0M |
| Aquisições | $203.7M | 0 | 0 | -$28.0M | -$106.2M | -$156.2M | -$74.3M | -$92.2M | -$25.4M | -$550000 |
| Recompra de Ações | -$3.3M | 0 | -$3.8M | -$1.7M | -$1.9M | -$195.4M | -$355.5M | -$160.1M | -$8.5M | -$144.5M |
| Dividendos Pagos | -$62.2M | -$88.7M | -$102.2M | -$121.1M | -$139.3M | -$146.5M | -$168.9M | -$179.2M | -$195.6M | -$213.0M |
| Fluxo de Caixa Livre | $196.8M | $345.6M | $618.6M | $326.0M | $502.3M | $494.3M | $735.1M | $852.4M | $738.8M | $731.7M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $215.3M | $206.4M | $239.0M | $205.0M |
| CapEx | -$29.3M | -$31.1M | -$27.0M | -$15.9M |
| Fluxo de Caixa Livre | $186.0M | $175.3M | $212.1M | $189.0M |
| Dividendos Pagos | -$53.7M | -$54.8M | -$54.9M | -$55.5M |
| Compensação em Ações | $5.6M | 0 | $6.0M | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +38.4% | +14.9% | +5.1% | -6.8% | +0.8% | +16.3% | +63.0% | +23.2% | +1.1% |
| Crescimento Lucro Líquido (anual) | | +56.3% | -1.1% | +2.1% | -31.5% | +98.4% | -2.6% | +22.4% | +3.7% | -0.1% |
| Crescimento LPA (anual) | | +29.7% | -3.6% | +1.9% | -31.5% | +98.7% | +1.3% | +29.5% | +4.6% | +0.8% |
| Variação de Ações (anual) | | +20.2% | +2.3% | +0.2% | +0.3% | +0.1% | -6.9% | -4.9% | -0.7% | -1.7% |
| Crescimento FCF (anual) | | +75.7% | +79.0% | -47.3% | +54.1% | -1.6% | +48.7% | +16.0% | -13.3% | -1.0% |
| Margem Bruta | 88.8% | 86.3% | 77.2% | 75.9% | 66.4% | 99.7% | 85.0% | 62.0% | 53.4% | 55.4% |
| Margem Operacional | 56.2% | 55.5% | 46.1% | 44.7% | 32.0% | 63.4% | 52.3% | 38.5% | 33.6% | 33.3% |
| Margem EBITDA | 60.0% | 59.3% | 49.1% | 48.1% | 35.7% | 67.1% | 56.3% | 41.4% | 36.8% | 37.8% |
| Margem Líquida | 35.7% | 40.4% | 34.7% | 33.7% | 24.8% | 48.8% | 40.9% | 30.7% | 25.8% | 25.5% |
| Margem FCF | 26.0% | 33.1% | 51.5% | 25.8% | 42.7% | 41.6% | 53.2% | 37.9% | 26.6% | 26.1% |
| Taxa Efetiva de Imposto | 36.4% | 27.3% | 24.7% | 24.5% | 22.4% | 23.1% | 21.8% | 20.3% | 23.1% | 23.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.88 | $2.75 | $4.80 | $2.53 | $3.88 | $3.81 | $6.09 | $7.42 | $6.48 | $6.53 |
| Dividendo por Ação | $0.59 | $0.71 | $0.79 | $0.94 | $1.08 | $1.13 | $1.40 | $1.56 | $1.72 | $1.90 |
| Ações em Circulação (Básicas) | $104.2M | $125.5M | $128.6M | $128.9M | $129.3M | $129.1M | $120.3M | $114.5M | $113.6M | $110.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 11.21% |
| Retorno sobre capital investido | 1.66% |
| Retorno sobre ativos | 1.66% |
| Margem bruta | 56.04% |
| Margem operacional | 32.35% |
| Margem líquida | 24.95% |
Saúde financeira
| Dívida / Patrimônio | 0.11 |
| Liquidez corrente | 0.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.36 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 20.31 | 14.40 | 7.05 | 9.25 | 13.84 | 10.36 | 8.80 | 8.46 | 7.23 | 7.41 |
| P/VP | 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 |
| Margem Bruta | 88.8% | 86.3% | 77.2% | 75.9% | 66.4% | 99.7% | 85.0% | 62.0% | 53.4% | 55.4% |
| Margem Operacional | 56.2% | 55.5% | 46.1% | 44.7% | 32.0% | 63.4% | 52.3% | 38.5% | 33.6% | 33.3% |
| Margem Líquida | 35.7% | 40.4% | 34.7% | 33.7% | 24.8% | 48.8% | 40.9% | 30.7% | 25.8% | 25.5% |