(OZK) Bank Ozk - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US06417N1037
Stock: Deposits, Loans, Trust Services, Treasury Management
Total Rating 29
Risk 50
Buy Signal -0.76
| Risk 5d forecast | |
|---|---|
| Volatility | 36.0% |
| Relative Tail Risk | -14.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.17 |
| Alpha | -16.70 |
| Character TTM | |
|---|---|
| Beta | 1.262 |
| Beta Downside | 1.427 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.23% |
| CAGR/Max DD | 0.39 |
EPS (Earnings per Share)
Revenue
Description: OZK Bank Ozk March 02, 2026
Bank OZK (NASDAQ: OZK) is a full-service, state-chartered regional bank headquartered in Little Rock, Arkansas. It offers a broad suite of retail and commercial banking products-including checking, savings, money-market, and retirement accounts-alongside trust, wealth management, treasury services, and a diversified loan portfolio that spans real-estate, consumer, agricultural, and commercial financing.
As of Q4 2025, OZK reported a net interest margin of 3.45% and a loan-to-deposit ratio of 81%, reflecting steady credit growth amid a 6% year-over-year increase in total loans. The bank’s return on equity stood at 12.8%, and deposits rose 4.2% YoY, supported by higher interest-bearing accounts. Regional banks like OZK are benefiting from the Fed’s elevated policy rates, which boost net interest income, while modest commercial-real-estate demand in the Sun Belt sustains loan origination momentum.
If you’d like to explore a more granular valuation, consider reviewing ValueRay’s research on OZK.
Headlines to watch out for
- Interest rate fluctuations impact net interest margin
- Loan growth drives revenue expansion
- Real estate market health affects loan portfolio
- Regulatory changes influence compliance costs
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 715.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.14 > 1.0 |
| NWC/Revenue: -27.31% < 20% (prev -992.2%; Δ 964.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 837.7m > Net Income 715.5m |
| Net Debt (463.6m) to EBITDA (1.02b): 0.45 < 3 |
| Current Ratio: 0.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (112.1m) vs 12m ago -1.72% < -2% |
| Gross Margin: 55.43% > 18% (prev 0.53%; Δ 5490 % > 0.5%) |
| Asset Turnover: 7.10% > 50% (prev 7.25%; Δ -0.15% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBITDA TTM 1.02b / Interest Expense TTM 1.08b) |
Altman Z'' 0.47
| A: -0.02 (Total Current Assets 3.07b - Total Current Liabilities 3.83b) / Total Assets 40.79b |
| B: 0.11 (Retained Earnings 4.32b / Total Assets 40.79b) |
| C: 0.02 (EBIT TTM 705.8m / Avg Total Assets 39.52b) |
| D: 0.12 (Book Value of Equity 4.29b / Total Liabilities 34.66b) |
| Altman-Z'' Score: 0.47 = B |
Beneish M
| DSRI: none (Receivables none/174.0m, Revenue 2.81b/2.77b) |
| GMI: 0.96 (GM 55.43% / 53.45%) |
| AQI: 1.02 (AQ_t 0.90 / AQ_t-1 0.89) |
| SGI: 1.01 (Revenue 2.81b / 2.77b) |
| TATA: -0.00 (NI 715.5m - CFO 837.7m) / TA 40.79b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of OZK shares?
As of March 09, 2026, the stock is trading at USD 45.09 with a total of 1,742,836 shares traded.
Over the past week, the price has changed by -5.43%, over one month by -12.11%, over three months by -2.62% and over the past year by +5.55%.
Over the past week, the price has changed by -5.43%, over one month by -12.11%, over three months by -2.62% and over the past year by +5.55%.
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.
- StrongBuy: 1
- Buy: 1
- Hold: 6
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the OZK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 54.2 | 20.2% |
| Analysts Target Price | 54.2 | 20.2% |
OZK Fundamental Data Overview March 07, 2026
P/E Trailing = 7.5162
P/E Forward = 7.6805
P/S = 3.3412
P/B = 0.8989
P/EG = 2.7611
Revenue TTM = 2.81b USD
EBIT TTM = 705.8m USD
EBITDA TTM = 1.02b USD
Long Term Debt = 763.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 463.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 463.6m USD (from netDebt column, last quarter)
Enterprise Value = 5.66b USD (5.20b + Debt 463.6m - (null CCE))
Interest Coverage Ratio = 0.65 (Ebit TTM 705.8m / Interest Expense TTM 1.08b)
EV/FCF = 7.74x (Enterprise Value 5.66b / FCF TTM 731.7m)
FCF Yield = 12.93% (FCF TTM 731.7m / Enterprise Value 5.66b)
FCF Margin = 26.08% (FCF TTM 731.7m / Revenue TTM 2.81b)
Net Margin = 25.50% (Net Income TTM 715.5m / Revenue TTM 2.81b)
Gross Margin = 55.43% ((Revenue TTM 2.81b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Gross Margin QoQ = 55.36% (prev 54.93%)
Tobins Q-Ratio = 0.14 (Enterprise Value 5.66b / Total Assets 40.79b)
Interest Expense / Debt = 56.94% (Interest Expense 264.0m / Debt 463.6m)
Taxrate = 22.99% (52.5m / 228.4m)
NOPAT = 543.5m (EBIT 705.8m * (1 - 22.99%))
Current Ratio = 0.80 (Total Current Assets 3.07b / Total Current Liabilities 3.83b)
Debt / Equity = 0.08 (Debt 463.6m / totalStockholderEquity, last quarter 6.13b)
Debt / EBITDA = 0.45 (Net Debt 463.6m / EBITDA 1.02b)
Debt / FCF = 0.63 (Net Debt 463.6m / FCF TTM 731.7m)
Total Stockholder Equity = 5.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 715.5m / Total Assets 40.79b)
RoE = 11.93% (Net Income TTM 715.5m / Total Stockholder Equity 5.99b)
RoCE = 10.44% (EBIT 705.8m / Capital Employed (Equity 5.99b + L.T.Debt 763.4m))
RoIC = 8.31% (NOPAT 543.5m / Invested Capital 6.54b)
WACC = 9.70% (E(5.20b)/V(5.66b) * Re(10.57%) + (debt cost/tax rate unavailable))
Discount Rate = 10.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF] Terminal Value 72.27% ; FCFF base≈734.6m ; Y1≈741.4m ; Y5≈799.5m
[DCF] Fair Price = 91.18 (EV 10.53b - Net Debt 463.6m = Equity 10.07b / Shares 110.4m; r=9.70% [WACC]; 5y FCF grow 0.53% → 2.90% )
EPS Correlation: 72.20 | EPS CAGR: 11.42% | SUE: -0.38 | # QB: 0
Revenue Correlation: 89.16 | Revenue CAGR: 26.48% | SUE: 3.46 | # QB: 3
EPS next Quarter (2026-06-30): EPS=1.46 | Chg7d=+0.000 | Chg30d=+0.001 | Revisions Net=-6 | Analysts=10
EPS current Year (2026-12-31): EPS=5.97 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=-5 | Growth EPS=-3.5% | Growth Revenue=+0.7%
EPS next Year (2027-12-31): EPS=6.48 | Chg7d=+0.000 | Chg30d=+0.021 | Revisions Net=-3 | Growth EPS=+8.7% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -0.75 (1 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.7% (Discount Rate 10.6% - Earnings Yield 13.3%)
[Growth] Growth Spread = +3.4% (Analyst 0.6% - Implied -2.7%)
P/E Forward = 7.6805
P/S = 3.3412
P/B = 0.8989
P/EG = 2.7611
Revenue TTM = 2.81b USD
EBIT TTM = 705.8m USD
EBITDA TTM = 1.02b USD
Long Term Debt = 763.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 463.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 463.6m USD (from netDebt column, last quarter)
Enterprise Value = 5.66b USD (5.20b + Debt 463.6m - (null CCE))
Interest Coverage Ratio = 0.65 (Ebit TTM 705.8m / Interest Expense TTM 1.08b)
EV/FCF = 7.74x (Enterprise Value 5.66b / FCF TTM 731.7m)
FCF Yield = 12.93% (FCF TTM 731.7m / Enterprise Value 5.66b)
FCF Margin = 26.08% (FCF TTM 731.7m / Revenue TTM 2.81b)
Net Margin = 25.50% (Net Income TTM 715.5m / Revenue TTM 2.81b)
Gross Margin = 55.43% ((Revenue TTM 2.81b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Gross Margin QoQ = 55.36% (prev 54.93%)
Tobins Q-Ratio = 0.14 (Enterprise Value 5.66b / Total Assets 40.79b)
Interest Expense / Debt = 56.94% (Interest Expense 264.0m / Debt 463.6m)
Taxrate = 22.99% (52.5m / 228.4m)
NOPAT = 543.5m (EBIT 705.8m * (1 - 22.99%))
Current Ratio = 0.80 (Total Current Assets 3.07b / Total Current Liabilities 3.83b)
Debt / Equity = 0.08 (Debt 463.6m / totalStockholderEquity, last quarter 6.13b)
Debt / EBITDA = 0.45 (Net Debt 463.6m / EBITDA 1.02b)
Debt / FCF = 0.63 (Net Debt 463.6m / FCF TTM 731.7m)
Total Stockholder Equity = 5.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 715.5m / Total Assets 40.79b)
RoE = 11.93% (Net Income TTM 715.5m / Total Stockholder Equity 5.99b)
RoCE = 10.44% (EBIT 705.8m / Capital Employed (Equity 5.99b + L.T.Debt 763.4m))
RoIC = 8.31% (NOPAT 543.5m / Invested Capital 6.54b)
WACC = 9.70% (E(5.20b)/V(5.66b) * Re(10.57%) + (debt cost/tax rate unavailable))
Discount Rate = 10.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF] Terminal Value 72.27% ; FCFF base≈734.6m ; Y1≈741.4m ; Y5≈799.5m
[DCF] Fair Price = 91.18 (EV 10.53b - Net Debt 463.6m = Equity 10.07b / Shares 110.4m; r=9.70% [WACC]; 5y FCF grow 0.53% → 2.90% )
EPS Correlation: 72.20 | EPS CAGR: 11.42% | SUE: -0.38 | # QB: 0
Revenue Correlation: 89.16 | Revenue CAGR: 26.48% | SUE: 3.46 | # QB: 3
EPS next Quarter (2026-06-30): EPS=1.46 | Chg7d=+0.000 | Chg30d=+0.001 | Revisions Net=-6 | Analysts=10
EPS current Year (2026-12-31): EPS=5.97 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=-5 | Growth EPS=-3.5% | Growth Revenue=+0.7%
EPS next Year (2027-12-31): EPS=6.48 | Chg7d=+0.000 | Chg30d=+0.021 | Revisions Net=-3 | Growth EPS=+8.7% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -0.75 (1 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.7% (Discount Rate 10.6% - Earnings Yield 13.3%)
[Growth] Growth Spread = +3.4% (Analyst 0.6% - Implied -2.7%)