Overview Dividends

(OZK) Bank Ozk - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US06417N1037

Deposits, Loans, Treasury, Trust, Wealth

Regional Banks
Market Cap in USD: 5,149m

IPO / Inception: 1997-07-17
Return 12m vs S&P 500: -5.06%

EPS (Earnings per Share)

EPS CAGR: -42.36%
EPS Trend: -10.8%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 25.93%
Rev. Trend: 92.4%

Last SUE: 0.89
Qual. Beats: 2

Dividends

Dividend Yield	3.71%
Yield on Cost 5y	6.01%
Yield CAGR 5y	11.35%
Payout Consistency	95.9%
Payout Ratio	28.1%

Risk via 5d forecast
Volatility	35.3%
Value at Risk 5%th	49.8%
Relative Tail Risk	-14.08%

Reward TTM
Sharpe Ratio	0.35
Alpha	-7.51
CAGR/Max DD	0.23

Character TTM
Hurst Exponent	0.597
Beta	1.051
Beta Downside	1.251

Drawdowns 3y
Max DD	34.96%
Mean DD	13.14%
Median DD	13.31%

Description: OZK Bank Ozk January 08, 2026

Bank OZK (NASDAQ:OZK) is a state-chartered, full-service regional bank headquartered in Little Rock, Arkansas. It offers a broad suite of retail and commercial banking products-including checking, savings, money-market, and various loan types-as well as trust, wealth-management, and treasury-management services. The institution, originally founded as Bank of the Ozarks in 1903, rebranded to Bank OZK in July 2018 and now operates across multiple U.S. states.

Key recent metrics (as of Q4 2023) show total assets of roughly $30 billion, a net interest margin of 3.2%, and a loan-to-deposit ratio of 78%, indicating a balanced growth of credit and funding. The bank’s efficiency ratio improved to 56%, reflecting cost-control amid rising operating expenses. Like many regional banks, OZK’s earnings are sensitive to the Federal Reserve’s interest-rate policy; higher rates tend to expand net interest income, while loan-demand dynamics in its core markets (Arkansas, Texas, and the Midwest) drive loan growth.

If you want a more granular view of OZK’s valuation and forward-looking assumptions, a quick look at the analysis on ValueRay could be a useful next step.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (721.7m TTM) > 0 and > 6% of Revenue (6% = 167.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1082 % (prev -907.6%; Δ -174.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 784.9m > Net Income 721.7m (YES >=105%, WARN >=100%)

Net Debt (-2.36b) to EBITDA (1.04b) ratio: -2.28 <= 3.0 (WARN <= 3.5)

Current Ratio 0.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (113.5m) change vs 12m ago -0.43% (target <= -2.0% for YES)

Gross Margin 55.08% (prev 54.20%; Δ 0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.08% (prev 7.29%; Δ -0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.64 (EBITDA TTM 1.04b / Interest Expense TTM 1.10b) >= 6 (WARN >= 3)

Altman Z'' -4.20

(A) -0.73 = (Total Current Assets 3.72b - Total Current Liabilities 33.98b) / Total Assets 41.61b

(B) 0.10 = Retained Earnings (Balance) 4.20b / Total Assets 41.61b

(D) 0.12 = Book Value of Equity 4.16b / Total Liabilities 35.51b

Total Rating: -4.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 67.94

1. Piotroski 4.50pt

2. FCF Yield 28.57%

3. FCF Margin 24.22%

4. Debt/Equity 0.13

5. Debt/Ebitda -2.28

6. ROIC - WACC (= -4.01)%

7. RoE 12.26%

8. Rev. Trend 92.38%

9. EPS Trend -10.83%

What is the price of OZK shares?

As of January 08, 2026, the stock is trading at USD 46.96 with a total of 1,686,125 shares traded.
Over the past week, the price has changed by +2.04%, over one month by +0.45%, over three months by -8.83% and over the past year by +12.53%.

Is OZK a buy, sell or hold?

Bank Ozk has received a consensus analysts rating of 3.11. Therefor, it is recommend to hold OZK.

Strong Buy: 1
Buy: 1
Hold: 6
Sell: 0
Strong Sell: 1

What are the forecasts/targets for the OZK price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	55.6	18.3%
Analysts Target Price	55.6	18.3%
ValueRay Target Price	51.3	9.3%

OZK Fundamental Data Overview January 03, 2026

Market Cap USD = 5.15b (5.15b USD * 1.0 USD.USD)
P/E Trailing = 7.4226
P/E Forward = 7.1839
P/S = 3.3452
P/B = 0.8947
Beta = 0.917
Revenue TTM = 2.80b USD
EBIT TTM = 698.6m USD
EBITDA TTM = 1.04b USD
Long Term Debt = 763.4m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 763.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.36b USD (from netDebt column, last quarter)
Enterprise Value = 2.37b USD (5.15b + Debt 763.4m - CCE 3.54b)
Interest Coverage Ratio = 0.64 (Ebit TTM 698.6m / Interest Expense TTM 1.10b)
FCF Yield = 28.57% (FCF TTM 677.4m / Enterprise Value 2.37b)
FCF Margin = 24.22% (FCF TTM 677.4m / Revenue TTM 2.80b)
Net Margin = 25.80% (Net Income TTM 721.7m / Revenue TTM 2.80b)
Gross Margin = 55.08% ((Revenue TTM 2.80b - Cost of Revenue TTM 1.26b) / Revenue TTM)
Gross Margin QoQ = 54.93% (prev 56.15%)
Tobins Q-Ratio = 0.06 (Enterprise Value 2.37b / Total Assets 41.61b)
Interest Expense / Debt = 36.83% (Interest Expense 281.2m / Debt 763.4m)
Taxrate = 23.83% (57.7m / 242.3m)
NOPAT = 532.1m (EBIT 698.6m * (1 - 23.83%))
Current Ratio = 0.11 (Total Current Assets 3.72b / Total Current Liabilities 33.98b)
Debt / Equity = 0.13 (Debt 763.4m / totalStockholderEquity, last quarter 6.09b)
Debt / EBITDA = -2.28 (Net Debt -2.36b / EBITDA 1.04b)
Debt / FCF = -3.48 (Net Debt -2.36b / FCF TTM 677.4m)
Total Stockholder Equity = 5.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.73% (Net Income 721.7m / Total Assets 41.61b)
RoE = 12.26% (Net Income TTM 721.7m / Total Stockholder Equity 5.89b)
RoCE = 10.50% (EBIT 698.6m / Capital Employed (Equity 5.89b + L.T.Debt 763.4m))
RoIC = 8.23% (NOPAT 532.1m / Invested Capital 6.47b)
WACC = 12.24% (E(5.15b)/V(5.91b) * Re(9.89%) + D(763.4m)/V(5.91b) * Rd(36.83%) * (1-Tc(0.24)))
Discount Rate = 9.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.09%
[DCF Debug] Terminal Value 72.31% ; FCFE base≈728.2m ; Y1≈748.7m ; Y5≈839.7m
Fair Price DCF = 96.82 (DCF Value 10.83b / Shares Outstanding 111.9m; 5y FCF grow 2.78% → 3.0% )
EPS Correlation: -10.83 | EPS CAGR: -42.36% | SUE: -4.0 | # QB: 0
Revenue Correlation: 92.38 | Revenue CAGR: 25.93% | SUE: 0.89 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.49 | Chg30d=-0.004 | Revisions Net=-10 | Analysts=10
EPS next Year (2026-12-31): EPS=6.13 | Chg30d=-0.001 | Revisions Net=-10 | Growth EPS=-1.1% | Growth Revenue=+0.8%

Additional Sources for OZK Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle