OZK Stock Analysis: Bank Ozk | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 5.562m USD | 12M Return: 19.7% | US06417N1037 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 86.0M
EPS Trend: 15.2%
Qual. Beats: 1
Rev. Trend: 44.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 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 is an Arkansas-based state-chartered bank that provides a full range of retail and commercial banking services. Its offerings include deposit products (checking, savings, money market, IRA, and time deposits), trust and wealth management services, corporate trust and treasury management solutions, and a broad lending portfolio covering real estate, consumer, small business, agricultural, commercial and industrial, government-guaranteed, and recreational vehicle and marine loans, as well as specialty financing such as business aviation and subscription lending. Founded in 1903 and headquartered in Little Rock, Arkansas, the company previously operated as Bank of the Ozarks before adopting its current name in July 2018. As a mid-cap U.S. regional bank, Bank OZK operates within the Financials sector and is classified under the GICS Regional Banks sub-industry, a group that typically generates revenue from net interest income (the spread between loan yields and deposit costs) and fee-based services such as treasury management and trust administration, with performance closely tied to local and regional economic conditions and prevailing interest rate environments.
- Office CRE loan concentration pressures credit quality and reserves
- Net interest margin compresses as Fed cuts rates
- C&I and CRE loan growth drives net interest income expansion
| Net Income: 675.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.07 > 1.0 |
| NWC/Revenue: 12.44% < 20% (prev -1.08k%; Δ 1.09k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 837.7m > Net Income 675.1m |
| Net Debt (62.6m) to EBITDA (1.05b): 0.06 < 3 |
| Current Ratio: 1.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (109.5m) vs 12m ago -3.52% < -2% |
| Gross Margin: 48.55% > 18% (prev 55.08%; Δ -6.53% > 0.5%) |
| Asset Turnover: 5.73% > 50% (prev 6.72%; Δ -0.99% > 0%) |
| Interest Coverage Ratio: 0.86 > 6 (EBIT TTM 927.4m / Interest Expense TTM 1.08b) |
| A: 0.01 (Total Current Assets 1.15b - Total Current Liabilities 848.4m) / Total Assets 43.2b |
| B: 0.11 (Retained Earnings 4.65b / Total Assets 43.2b) |
| C: 0.02 (EBIT TTM 927.4m / Avg Total Assets 42.4b) |
| D: 0.17 (Book Value of Equity 6.15b / Total Liabilities 37.0b) |
| Altman-Z'' = 0.72 = B |
As of November 06, 2026, the stock is trading at USD 51.09 with a total of 1,841,818 shares traded. Over the past week, the price has changed by -0.43%, over one month by +10.86%, over three months by +0.09% and over the past year by +19.69%.
Current recommended Stop Loss: 48.30 (which is 5.5% or 2.3 ATR below the current price).
Bank Ozk has received a consensus analysts rating of 3.10. Therefore, it is recommended to hold OZK.
- StrongBuy: 2
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 54.6 | 6.8% |
P/E Trailing = 8.467
P/E Forward = 8.2237
P/S = 3.6066
P/B = 0.9219
P/EG = 2.7611
Revenue TTM = 2.43b USD
EBIT TTM = 927.4m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 463.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 734k USD (from shortTermDebt, two quarters ago)
Debt = 1.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 62.6m USD (calculated: Debt 1.21b - CCE 1.15b)
Enterprise Value = 5.62b USD (5.56b + Debt 1.21b - CCE 1.15b)
Interest Coverage Ratio = 0.86 (Ebit TTM 927.4m / Interest Expense TTM 1.08b)
EV/FCF = 7.69x (Enterprise Value 5.62b / FCF TTM 731.7m)
FCF Yield = 13.01% (FCF TTM 731.7m / Enterprise Value 5.62b)
FCF Margin = 30.11% (FCF TTM 731.7m / Revenue TTM 2.43b)
Net Margin = 27.77% (Net Income TTM 675.1m / Revenue TTM 2.43b)
Gross Margin = 48.55% ((Revenue TTM 2.43b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Gross Margin QoQ = none% (prev 57.13%)
Tobins Q-Ratio = 0.13 (Enterprise Value 5.62b / Total Assets 43.2b)
Interest Expense / Debt = 88.84% (Interest Expense 1.08b / Debt 1.21b)
Taxrate = 22.19% (192.5m / 867.5m)
NOPAT = 721.7m (EBIT 927.4m * (1 - 22.19%))
Current Ratio = 1.36 (Total Current Assets 1.15b / Total Current Liabilities 848.4m)
Debt / Equity = 0.20 (Debt 1.21b / totalStockholderEquity, last quarter 6.15b)
Debt / EBITDA = 0.06 (Net Debt 62.6m / EBITDA 1.05b)
Debt / FCF = 0.09 (Net Debt 62.6m / FCF TTM 731.7m)
Total Stockholder Equity = 6.18b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 675.1m / Total Assets 43.2b)
RoE = 10.93% (Net Income TTM 675.1m / Total Stockholder Equity 6.18b)
RoCE = 13.96% (EBIT 927.4m / Capital Employed (Equity 6.18b + L.T.Debt 463.6m))
RoIC = 1.71% (NOPAT 721.7m / Invested Capital 42.2b)
WACC = 6.49% (E(5.56b)/V(6.78b) * Re(7.90%) + (debt cost/tax rate unavailable))
Discount Rate = 7.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -90.44 | Cagr: -1.75%
[DCF] Terminal Value 76.44% ; FCFF base≈710.0m ; Y1≈760.3m ; Y5≈915.9m
[DCF] Fair Price = 129.1 (EV 14.1b - Net Debt 62.6m = Equity 14.0b / Shares 108.4m; r=8.35% [WACC [floored]]; 5y FCF grow 8.02% → 2.50% )
EPS Correlation: 15.19 | EPS CAGR: 0.23% | SUE: 0.87 | # QB: 1
Revenue Correlation: 44.83 | Revenue CAGR: 3.68% | SUE: -0.11 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.43 | Chg30d=+0.65% | Revisions=-17% | Analysts=6
EPS current Year (2026-12-31): EPS=5.92 | Chg30d=+2.21% | Revisions=+57% | GrowthEPS=-4.3% | GrowthRev=+0.9%
EPS next Year (2027-12-31): EPS=6.07 | Chg30d=+0.70% | Revisions=+17% | GrowthEPS=+2.6% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +31% (up=7, down=3)