(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 | 5,177m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1997-07-17 |
OZK Stock Ratings
| Growth Rating | 46.2% |
| Fundamental | 71.8% |
| Dividend Rating | 75.6% |
| Return 12m vs S&P 500 | -3.96% |
| Analyst Rating | 3.11 of 5 |
OZK Dividends
| Dividend Yield 12m | 3.77% |
| Yield on Cost 5y | 8.58% |
| Annual Growth 5y | 10.03% |
| Payout Consistency | 98.2% |
| Payout Ratio | 22.5% |
OZK Growth Ratios
| Growth Correlation 3m | 12.6% |
| Growth Correlation 12m | 53.9% |
| Growth Correlation 5y | 70% |
| CAGR 5y | 7.22% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.21 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.56 |
| Sharpe Ratio 12m | -0.72 |
| Alpha | -10.10 |
| Beta | 0.891 |
| Volatility | 39.69% |
| Current Volume | 1734.3k |
| Average Volume 20d | 1040.7k |
| Stop Loss | 44.3 (-4.1%) |
| Signal | -0.50 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (721.7m TTM) > 0 and > 6% of Revenue (6% = 148.0m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.97pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1115 % (prev -907.6%; Δ -207.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 569.6m <= Net Income 721.7m (YES >=105%, WARN >=100%) |
| Net Debt (-2.66b) to EBITDA (793.0m) ratio: -3.35 <= 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 62.43% (prev 54.20%; Δ 8.23pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.24% (prev 7.29%; Δ -1.05pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.86 (EBITDA TTM 793.0m / Interest Expense TTM 816.1m) >= 6 (WARN >= 3) |
Altman Z'' -3.77
| (A) -0.66 = (Total Current Assets 3.52b - Total Current Liabilities 31.04b) / Total Assets 41.61b |
| (B) 0.10 = Retained Earnings (Balance) 4.20b / Total Assets 41.61b |
| (C) 0.02 = EBIT TTM 698.6m / Avg Total Assets 39.52b |
| (D) 0.12 = Book Value of Equity 4.16b / Total Liabilities 35.51b |
| Total Rating: -3.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 71.82
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 19.51% = 5.0 |
| 3. FCF Margin 19.92% = 4.98 |
| 4. Debt/Equity 0.08 = 2.50 |
| 5. Debt/Ebitda -3.35 = 2.50 |
| 6. ROIC - WACC (= -0.29)% = -0.36 |
| 7. RoE 12.26% = 1.02 |
| 8. Rev. Trend 33.52% = 2.51 |
| 9. EPS Trend 83.34% = 4.17 |
What is the price of OZK shares?
Over the past week, the price has changed by -7.25%, over one month by -9.68%, over three months by -9.93% and over the past year by +11.81%.
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 45.33 USD . This means that OZK is currently overvalued and has a potential downside of -1.88%.
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 | 58.1 | 25.8% |
| Analysts Target Price | 58.1 | 25.8% |
| ValueRay Target Price | 50.6 | 9.4% |
Last update: 2025-10-19 02:01
OZK Fundamental Data Overview
P/E Trailing = 7.461
P/E Forward = 7.6394
P/S = 3.3608
P/B = 1.0256
Beta = 0.891
Revenue TTM = 2.47b USD
EBIT TTM = 698.6m USD
EBITDA TTM = 793.0m USD
Long Term Debt = 883.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 462.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.66b USD (from netDebt column, last quarter)
Enterprise Value = 2.52b USD (5.18b + Debt 462.8m - CCE 3.12b)
Interest Coverage Ratio = 0.86 (Ebit TTM 698.6m / Interest Expense TTM 816.1m)
FCF Yield = 19.51% (FCF TTM 491.4m / Enterprise Value 2.52b)
FCF Margin = 19.92% (FCF TTM 491.4m / Revenue TTM 2.47b)
Net Margin = 29.25% (Net Income TTM 721.7m / Revenue TTM 2.47b)
Gross Margin = 62.43% ((Revenue TTM 2.47b - Cost of Revenue TTM 926.9m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 56.15%)
Tobins Q-Ratio = 0.06 (Enterprise Value 2.52b / Total Assets 41.61b)
Interest Expense / Debt = 58.68% (Interest Expense 271.6m / Debt 462.8m)
Taxrate = 23.83% (57.7m / 242.3m)
NOPAT = 532.1m (EBIT 698.6m * (1 - 23.83%))
Current Ratio = 0.11 (Total Current Assets 3.52b / Total Current Liabilities 31.04b)
Debt / Equity = 0.08 (Debt 462.8m / totalStockholderEquity, last quarter 6.09b)
Debt / EBITDA = -3.35 (Net Debt -2.66b / EBITDA 793.0m)
Debt / FCF = -5.41 (Net Debt -2.66b / FCF TTM 491.4m)
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 = 10.32% (EBIT 698.6m / Capital Employed (Equity 5.89b + L.T.Debt 883.0m))
RoIC = 8.25% (NOPAT 532.1m / Invested Capital 6.45b)
WACC = 8.54% (E(5.18b)/V(5.64b) * Re(9.30%) + (debt cost/tax rate unavailable))
Discount Rate = 9.30% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.94%
[DCF Debug] Terminal Value 75.11% ; FCFE base≈616.6m ; Y1≈667.3m ; Y5≈829.2m
Fair Price DCF = 102.7 (DCF Value 11.57b / Shares Outstanding 112.6m; 5y FCF grow 9.30% → 3.0% )
EPS Correlation: 83.34 | EPS CAGR: 6.42% | SUE: -1.60 | # QB: 0
Revenue Correlation: 33.52 | Revenue CAGR: -1.98% | SUE: -0.14 | # QB: 0
Additional Sources for OZK Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle