OZK Stock Analysis: Bank Ozk | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 5.689m USD | 12M Return: 12.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 52.5M
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
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
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 02, 2026, the stock is trading at USD 52.09 with a total of 1,256,105 shares traded. Over the past week, the price has changed by +3.71%, over one month by +10.89%, over three months by +15.60% and over the past year by +12.05%.
Current recommended Stop Loss: 50.70 (which is 2.7% 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 | 52.3 | 0.5% |
P/E Trailing = 8.4732
P/E Forward = 7.2202
P/S = 3.645
P/B = 0.9781
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 = 4.80b USD (5.69b + Debt 813.9m - CCE 1.70b)
Interest Coverage Ratio = 0.87 (Ebit TTM 922.0m / Interest Expense TTM 1.06b)
EV/FCF = 6.84x (Enterprise Value 4.80b / FCF TTM 701.4m)
FCF Yield = 14.61% (FCF TTM 701.4m / Enterprise Value 4.80b)
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 = 0.12 (Enterprise Value 4.80b / 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 = 8.16% (E(5.69b)/V(6.50b) * Re(9.33%) + (debt cost/tax rate unavailable))
Discount Rate = 9.33% (= 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 (2026-09-30): EPS=1.50 | Chg30d=-0.96% | Revisions=-8% | Analysts=10
EPS current Year (2026-12-31): EPS=5.93 | Chg30d=-0.74% | Revisions=-17% | GrowthEPS=-4.0% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=6.42 | Chg30d=-1.03% | Revisions=-8% | GrowthEPS=+8.1% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: -17%