OZK Stock Analysis: Bank Ozk | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 5.441m USD | 12M Return: -1.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 60.5M
EPS Trend: 75.4%
Qual. Beats: 0
Rev. Trend: 85.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bank OZK (NASDAQ: OZK) is a full-service, Arkansas state-chartered bank headquartered in Little Rock, founded in 1903 and rebranded from Bank of the Ozarks in 2018. The company offers a comprehensive suite of retail and commercial banking products, including deposit accounts, trust and wealth management, treasury management, and a diverse loan portfolio spanning real estate, consumer, small business, commercial and industrial, agricultural, and government-guaranteed lending. It also provides specialty financing such as business aviation, subscription, and structured/lender financing.
As a GICS-classified Regional Bank, OZK operates within a sector that focuses on local deposit gathering and relationship-based lending, typically regulated by the Federal Reserve and FDIC. Regional banks generally derive revenue from the net interest spread between loans and deposits, supplemented by fee-based services like treasury management and wealth management. OZK is listed as a mid-cap stock with a U.S. IPO dating to 1997.
- Office CRE exposure pressures credit quality and reserves
- Net interest margin compresses amid Fed rate cuts
- Specialty lending growth in aviation and structured finance
| Net Income: 706.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.25 > 1.0 |
| NWC/Revenue: 54.62% < 20% (prev -1.04k%; Δ 1.10k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 807.9m > Net Income 706.9m |
| Net Debt (-888.1m) to EBITDA (1.06b): -0.84 < 3 |
| Current Ratio: 5.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (110.9m) vs 12m ago -2.89% < -2% |
| Gross Margin: 55.80% > 18% (prev 53.64%; Δ 2.16% > 0.5%) |
| Asset Turnover: 6.92% > 50% (prev 7.09%; Δ -0.17% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBIT TTM 922.0m / Interest Expense TTM 1.06b) |
| A: 0.04 (Total Current Assets 1.88b - Total Current Liabilities 350.6m) / Total Assets 41.7b |
| B: 0.11 (Retained Earnings 4.43b / Total Assets 41.7b) |
| C: 0.02 (EBIT TTM 922.0m / Avg Total Assets 40.4b) |
| D: 0.17 (Book Value of Equity 6.16b / Total Liabilities 35.5b) |
| Altman-Z'' = 0.92 = BB |
| DSRI: 1.00 (Receivables 176.2m/174.3m, Revenue 2.80b/2.78b) |
| GMI: 0.96 (GM 53.64% / 55.80%) |
| AQI: 1.03 (AQ_t 0.93 / AQ_t-1 0.90) |
| SGI: 1.01 (Revenue 2.80b / 2.78b) |
| TATA: -0.00 (NI 706.9m - CFO 807.9m) / TA 41.7b) |
| Beneish M = -3.03 (Cap -4..+1) = AA |
As of July 09, 2026, the stock is trading at USD 49.37 with a total of 1,246,249 shares traded. Over the past week, the price has changed by -5.22%, over one month by -1.08%, over three months by +4.99% and over the past year by -1.39%.
Current recommended Stop Loss: 47.80 (which is 3.2% or 1.3 ATR below the current price).
Bank Ozk has received a consensus analysts rating of 3.11. Therefore, it is recommended to hold OZK.
- StrongBuy: 1
- Buy: 1
- Hold: 6
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 52.6 | 6.5% |
P/E Trailing = 8.1041
P/E Forward = 7.2202
P/S = 3.4862
P/B = 0.9355
P/EG = 2.7611
Revenue TTM = 2.80b USD
EBIT TTM = 922.0m USD
EBITDA TTM = 1.06b USD
Long Term Debt = 813.9m USD (from longTermDebt, last quarter)
Short Term Debt = 350.6m USD (from shortTermDebt, last quarter)
Debt = 813.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -888.1m USD (calculated: Debt 813.9m - CCE 1.70b)
Enterprise Value = 4.55b USD (5.44b + Debt 813.9m - CCE 1.70b)
Interest Coverage Ratio = 0.87 (Ebit TTM 922.0m / Interest Expense TTM 1.06b)
EV/FCF = 6.49x (Enterprise Value 4.55b / FCF TTM 701.4m)
FCF Yield = 15.41% (FCF TTM 701.4m / Enterprise Value 4.55b)
FCF Margin = 25.08% (FCF TTM 701.4m / Revenue TTM 2.80b)
Net Margin = 25.27% (Net Income TTM 706.9m / Revenue TTM 2.80b)
Gross Margin = 55.80% ((Revenue TTM 2.80b - Cost of Revenue TTM 1.24b) / Revenue TTM)
Gross Margin QoQ = 56.86% (prev 55.36%)
Tobins Q-Ratio = 0.11 (Enterprise Value 4.55b / Total Assets 41.7b)
Interest Expense / Debt = 130.3% (Interest Expense 1.06b / Debt 813.9m)
Taxrate = 23.34% (215.2m / 922.0m)
NOPAT = 706.9m (EBIT 922.0m * (1 - 23.34%))
Current Ratio = 5.36 (Total Current Assets 1.88b / Total Current Liabilities 350.6m)
Debt / Equity = 0.13 (Debt 813.9m / totalStockholderEquity, last quarter 6.16b)
Debt / EBITDA = -0.84 (Net Debt -888.1m / EBITDA 1.06b)
Debt / FCF = -1.27 (Net Debt -888.1m / FCF TTM 701.4m)
Total Stockholder Equity = 6.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 706.9m / Total Assets 41.7b)
RoE = 11.63% (Net Income TTM 706.9m / Total Stockholder Equity 6.08b)
RoCE = 13.38% (EBIT 922.0m / Capital Employed (Equity 6.08b + L.T.Debt 813.9m))
RoIC = 1.70% (NOPAT 706.9m / Invested Capital 41.5b)
WACC = 8.14% (E(5.44b)/V(6.25b) * Re(9.36%) + (debt cost/tax rate unavailable))
Discount Rate = 9.36% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -33.33 | Cagr: -1.12%
[DCF] Terminal Value 74.39% ; FCFF base≈723.6m ; Y1≈682.0m ; Y5≈636.6m
[DCF] Fair Price = 100.1 (EV 10.0b - Net Debt -888.1m = Equity 10.9b / Shares 109.2m; r=8.35% [WACC [floored]]; 5y FCF grow -7.31% → 2.50% )
EPS Correlation: 75.42 | EPS CAGR: 3.87% | SUE: 0.17 | # QB: 0
Revenue Correlation: 85.79 | Revenue CAGR: 15.24% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.48 | Chg30d=+0.00% | Revisions=+8% | Analysts=10
EPS next Quarter (2026-09-30): EPS=1.52 | Chg30d=+1.09% | Revisions=-8% | Analysts=10
EPS current Year (2026-12-31): EPS=5.97 | Chg30d=+0.61% | Revisions=-18% | GrowthEPS=-3.4% | GrowthRev=+1.3%
EPS next Year (2027-12-31): EPS=6.38 | Chg30d=-0.49% | Revisions=-8% | GrowthEPS=+6.9% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: -8% (up=16, down=19)