(OZK) Bank Ozk - Ratings and Ratios
Deposits, Wealth, Treasury, Real Estate, Consumer
OZK EPS (Earnings per Share)
OZK Revenue
Description: OZK Bank Ozk
Bank OZK is a full-service bank operating in the United States, offering a range of financial services including deposit accounts, trust and wealth management, treasury management, and various lending products. The banks diverse product portfolio caters to both individual and commercial customers, providing a comprehensive suite of banking solutions.
From a financial perspective, Bank OZK has demonstrated a strong performance, with a Return on Equity (RoE) of 12.65%, indicating a robust ability to generate profits from shareholder equity. To further evaluate the banks financial health, we can examine additional Key Performance Indicators (KPIs) such as the Net Interest Margin (NIM), which measures the difference between interest income and expense, and the Efficiency Ratio, which assesses the banks ability to manage operating expenses.
Bank OZKs lending products, including real estate, consumer, and commercial loans, are a significant contributor to its revenue. The banks asset quality is also an important consideration, with metrics such as the Non-Performing Assets (NPA) ratio and the Allowance for Loan Losses (ALL) to total loans ratio providing insight into the banks credit risk management. Furthermore, the banks capital adequacy, as measured by the Tier 1 Capital Ratio, is also a crucial factor in assessing its overall financial stability.
With a market capitalization of $5.85 billion, Bank OZK is a mid-sized regional bank with a presence in the United States. The banks stock has demonstrated a relatively stable performance, with a 52-week high and low of $52.68 and $36.84, respectively. To gain a deeper understanding of the banks stock performance, we can analyze additional metrics such as the dividend yield, trading volume, and institutional ownership.
OZK Stock Overview
| Market Cap in USD | 5,885m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1997-07-17 |
OZK Stock Ratings
| Growth Rating | 56.7% |
| Fundamental | 74.8% |
| Dividend Rating | 78.4% |
| Return 12m vs S&P 500 | 7.89% |
| Analyst Rating | 3.11 of 5 |
OZK Dividends
| Dividend Yield 12m | 3.50% |
| Yield on Cost 5y | 9.09% |
| Annual Growth 5y | 7.95% |
| Payout Consistency | 100.0% |
| Payout Ratio | 27.6% |
OZK Growth Ratios
| Growth Correlation 3m | 60.7% |
| Growth Correlation 12m | 54.9% |
| Growth Correlation 5y | 70% |
| CAGR 5y | 11.20% |
| CAGR/Max DD 3y | 0.32 |
| CAGR/Mean DD 3y | 0.84 |
| Sharpe Ratio 12m | -0.12 |
| Alpha | 24.58 |
| Beta | 0.436 |
| Volatility | 34.01% |
| Current Volume | 715k |
| Average Volume 20d | 715.8k |
| Stop Loss | 50.2 (-3.1%) |
| Signal | -1.10 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (718.3m TTM) > 0 and > 6% of Revenue (6% = 166.9m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1086 % (prev -929.8%; Δ -155.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 846.5m > Net Income 718.3m (YES >=105%, WARN >=100%) |
| Net Debt (1.26b) to EBITDA (1.05b) ratio: 1.21 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.10 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (113.8m) change vs 12m ago -0.19% (target <= -2.0% for YES) |
| Gross Margin 54.48% (prev 55.73%; Δ -1.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.11% (prev 7.07%; Δ 0.04pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.84 (EBITDA TTM 1.05b / Interest Expense TTM 1.11b) >= 6 (WARN >= 3) |
Altman Z'' -4.18
| (A) -0.73 = (Total Current Assets 3.33b - Total Current Liabilities 33.52b) / Total Assets 41.45b |
| (B) 0.10 = Retained Earnings (Balance) 4.07b / Total Assets 41.45b |
| (C) 0.02 = EBIT TTM 934.7m / Avg Total Assets 39.15b |
| (D) 0.11 = Book Value of Equity 4.00b / Total Liabilities 35.53b |
| Total Rating: -4.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.76
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 2.00% = 1.00 |
| 3. FCF Margin 26.94% = 6.74 |
| 4. Debt/Equity 5.87 = -2.50 |
| 5. Debt/Ebitda 33.24 = -2.50 |
| 6. ROIC - WACC 9.79% = 12.23 |
| 7. RoE 12.46% = 1.04 |
| 8. Rev. Trend 88.38% = 4.42 |
| 9. Rev. CAGR 28.57% = 2.50 |
| 10. EPS Trend 74.05% = 1.85 |
| 11. EPS CAGR 14.84% = 1.48 |
What is the price of OZK shares?
Over the past week, the price has changed by -1.33%, over one month by +5.09%, over three months by +16.53% and over the past year by +28.27%.
Is Bank Ozk a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OZK is around 55.46 USD . This means that OZK is currently overvalued and has a potential downside of 7%.
Is OZK a buy, sell or hold?
- 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 | 56.4 | 8.9% |
| Analysts Target Price | 56.4 | 8.9% |
| ValueRay Target Price | 58.5 | 12.9% |
Last update: 2025-09-12 04:42
OZK Fundamental Data Overview
CCE Cash And Equivalents = 3.14b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.4821
P/E Forward = 7.874
P/S = 3.8873
P/B = 1.0484
Beta = 0.923
Revenue TTM = 2.78b USD
EBIT TTM = 934.7m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 1.26b USD (from longTermDebt, last quarter)
Short Term Debt = 33.52b USD (from totalCurrentLiabilities, last quarter)
Debt = 34.79b USD (Calculated: Short Term 33.52b + Long Term 1.26b)
Net Debt = 1.26b USD (from netDebt column, last quarter)
Enterprise Value = 37.53b USD (5.89b + Debt 34.79b - CCE 3.14b)
Interest Coverage Ratio = 0.84 (Ebit TTM 934.7m / Interest Expense TTM 1.11b)
FCF Yield = 2.00% (FCF TTM 749.4m / Enterprise Value 37.53b)
FCF Margin = 26.94% (FCF TTM 749.4m / Revenue TTM 2.78b)
Net Margin = 25.83% (Net Income TTM 718.3m / Revenue TTM 2.78b)
Gross Margin = 54.48% ((Revenue TTM 2.78b - Cost of Revenue TTM 1.27b) / Revenue TTM)
Tobins Q-Ratio = 9.38 (Enterprise Value 37.53b / Book Value Of Equity 4.00b)
Interest Expense / Debt = 0.78% (Interest Expense 271.6m / Debt 34.79b)
Taxrate = 23.06% (214.8m / 931.3m)
NOPAT = 719.1m (EBIT 934.7m * (1 - 23.06%))
Current Ratio = 0.10 (Total Current Assets 3.33b / Total Current Liabilities 33.52b)
Debt / Equity = 5.87 (Debt 34.79b / last Quarter total Stockholder Equity 5.92b)
Debt / EBITDA = 33.24 (Net Debt 1.26b / EBITDA 1.05b)
Debt / FCF = 46.42 (Debt 34.79b / FCF TTM 749.4m)
Total Stockholder Equity = 5.76b (last 4 quarters mean)
RoA = 1.73% (Net Income 718.3m, Total Assets 41.45b )
RoE = 12.46% (Net Income TTM 718.3m / Total Stockholder Equity 5.76b)
RoCE = 13.30% (Ebit 934.7m / (Equity 5.76b + L.T.Debt 1.26b))
RoIC = 11.40% (NOPAT 719.1m / Invested Capital 6.31b)
WACC = 1.62% (E(5.89b)/V(40.67b) * Re(7.62%)) + (D(34.79b)/V(40.67b) * Rd(0.78%) * (1-Tc(0.23)))
Shares Correlation 3-Years: -36.36 | Cagr: -0.40%
Discount Rate = 7.62% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.40% ; FCFE base≈774.9m ; Y1≈838.6m ; Y5≈1.04b
Fair Price DCF = 161.4 (DCF Value 18.18b / Shares Outstanding 112.6m; 5y FCF grow 9.30% → 3.0% )
EPS Correlation: 74.05 | EPS CAGR: 14.84% | SUE: 1.34 | # QB: True
Revenue Correlation: 88.38 | Revenue CAGR: 28.57%
Additional Sources for OZK Stock
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Fund Manager Positions: Dataroma | Stockcircle