OZK (Bank OZK) Net Loan: $32,099 Mil (As of Jun. 2026)

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OZK Bank OZK OZK
73 GF Score
Price $52.15
GF Value $49.73
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Net Loan?

Bank OZK OZK +0.54% 73 Net Loan is $32,099 Mil as of Jun. 2026. GuruFocus rates OZK with a GF Score™ of 73/100 and a GF Value™ of $49.73 (Fairly Valued). The stock has 4 warning signs investors should review.

Bank OZK's quarterly net loan increased from Dec. 2025 ($31,842 Mil) to Mar. 2026 ($32,495 Mil) but then declined from Mar. 2026 ($32,495 Mil) to Jun. 2026 ($32,099 Mil).

Bank OZK's annual net loan increased from Dec. 2023 ($26,120 Mil) to Dec. 2024 ($32,495 Mil) and increased from Dec. 2024 ($32,495 Mil) to Dec. 2025 ($32,099 Mil).

Bank OZK Net Loan Historical Data

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The historical data trend for Bank OZK's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank OZK Net Loan Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18,090.45 20,569.93 26,119.68 29,503.32 31,842.06

Bank OZK Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 32,486.42 32,313.77 31,842.06 32,495.27 32,099.44
OZK
73GF Score
Bank OZK OZK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank OZK Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $32,099 Mil mean?
Bank OZK (OZK) has a Net Loan of $32,099 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Bank OZK and its competitors.
Is Bank OZK's Net Loan too high?
Bank OZK's current Net Loan is $32,099 Mil. Overall, Bank OZK has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Net Loan compare to AX and EBC?
Bank OZK's Net Loan of $32,099 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Bank OZK and its competitors. Bank OZK's current Net Loan is $32,099 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank OZK stock overvalued right now?
Based on GuruFocus' analysis, Bank OZK (OZK) is currently considered Fairly Valued. The stock's GF Value™ is $49.73, compared to a current price of $52.15 — trading 4.9% above its estimated fair value. The current Net Loan is $32,099 Mil. Bank OZK's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Bank OZK (OZK), the current Net Loan is $32,099 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank OZK (OZK) Overvalued in 2026?

Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued. The current stock price of $52.15 is trading 4.9% above its estimated GF Value™ of $49.73. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for OZK:

  • Net Loan: $32,099 Mil
  • GF Value™: $49.73 vs. price of $52.15 (4.9% above fair value)
  • GF Score™: 73/100 with 4 warning signs

No single metric tells the full story. See the OZK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank OZK Business Description

Address 18000 Cantrell Road, Little Rock, AR, USA, 72223
Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks. The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It provides banking services, including checking, savings, money market, time deposits, and individual retirement accounts, as well as loan services, such as real estate, consumer, commercial, and industrial loans. Apart from providing traditional banking products and services, it also provides trust and wealth management, financial planning, online banking, and other related services.
73GF Score

Get the complete analysis for OZK

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.15
Price
$49.73
GF Value