OZK (Bank OZK) Long-Term Debt: $814 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OZK Bank OZK OZK
80 GF Score
Price $52.01
GF Value $49.47
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Long-Term Debt?

Bank OZK OZK -2.03% 80 Long-Term Debt is $814 Mil as of Mar. 2026. GuruFocus rates OZK with a GF Score™ of 80/100 and a GF Value™ of $49.47 (Fairly Valued). The stock has 4 warning signs investors should review.

Bank OZK's Long-Term Debt for the quarter that ended in Mar. 2026 was $814 Mil.

Bank OZK's quarterly Long-Term Debt declined from Sep. 2025 ($763 Mil) to Dec. 2025 ($464 Mil) but then increased from Dec. 2025 ($464 Mil) to Mar. 2026 ($814 Mil).

Bank OZK's annual Long-Term Debt declined from Dec. 2023 ($1,275 Mil) to Dec. 2024 ($883 Mil) and declined from Dec. 2024 ($883 Mil) to Dec. 2025 ($464 Mil).

Bank OZK  (NAS:OZK) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Bank OZK Long-Term Debt Related Terms

Bank OZK Long-Term Debt Historical Data

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The historical data trend for Bank OZK's Long-Term Debt 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 Long-Term Debt Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,223.49 1,075.20 1,274.73 883.04 463.58

Bank OZK Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 763.03 1,263.22 763.39 463.58 813.88
OZK
80GF Score
Bank OZK OZK
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $814 Mil mean?
Bank OZK (OZK) has a Long-Term Debt of $814 Mil as of Mar. 2026.
Is Bank OZK's Long-Term Debt too high?
Bank OZK's current Long-Term Debt is $814 Mil. Overall, Bank OZK has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Long-Term Debt compare to HOMB and AX?
Bank OZK's Long-Term Debt of $814 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Bank OZK's current Long-Term Debt is $814 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 $49.47, compared to a current price of $52.01 — trading 5.1% above its estimated fair value. The current Long-Term Debt is $814 Mil. Bank OZK's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Bank OZK (OZK), the current Long-Term Debt is $814 Mil as of Mar. 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 $52.01 is trading 5.1% above its estimated GF Value™ of $49.47. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for OZK:

  • Long-Term Debt: $814 Mil
  • GF Value™: $49.47 vs. price of $52.01 (5.1% above fair value)
  • GF Score™: 80/100 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.
80GF Score

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

$52.01
Price
$49.47
GF Value