(OZK) Bank Ozk - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US06417N1037
Stock: Deposits, Loans, Treasury, Trust, Wealth
Total Rating 39
Risk 70
Buy Signal 0.55
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.84% |
| Yield on Cost 5y | 5.57% |
| Yield CAGR 5y | 11.35% |
| Payout Consistency | 96.1% |
| Payout Ratio | 28.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.5% |
| Relative Tail Risk | -12.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.04 |
| Alpha | -12.80 |
| Character TTM | |
|---|---|
| Beta | 0.998 |
| Beta Downside | 1.255 |
| Drawdowns 3y | |
|---|---|
| Max DD | 33.38% |
| CAGR/Max DD | 0.22 |
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) 3.5
| Net Income: 715.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.44 > 1.0 |
| NWC/Revenue: -27.31% < 20% (prev -992.2%; Δ 964.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 784.9m > 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 |
What is the price of OZK shares?
As of February 08, 2026, the stock is trading at USD 51.40 with a total of 1,105,561 shares traded.
Over the past week, the price has changed by +8.07%, over one month by +9.33%, over three months by +18.51% and over the past year by +0.78%.
Over the past week, the price has changed by +8.07%, over one month by +9.33%, over three months by +18.51% and over the past year by +0.78%.
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 | 53 | 3.1% |
| Analysts Target Price | 53 | 3.1% |
| ValueRay Target Price | 55.5 | 7.9% |
OZK Fundamental Data Overview February 02, 2026
P/E Trailing = 7.671
P/E Forward = 7.7459
P/S = 3.4211
P/B = 0.9064
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 = 5.78b USD (5.32b + Debt 463.6m - (null CCE))
Interest Coverage Ratio = 0.65 (Ebit TTM 705.8m / Interest Expense TTM 1.08b)
EV/FCF = 8.54x (Enterprise Value 5.78b / FCF TTM 677.4m)
FCF Yield = 11.71% (FCF TTM 677.4m / Enterprise Value 5.78b)
FCF Margin = 24.14% (FCF TTM 677.4m / 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 5.78b / 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 = 0.68 (Net Debt 463.6m / FCF TTM 677.4m)
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 = 8.82% (E(5.32b)/V(5.78b) * Re(9.59%) + (debt cost/tax rate unavailable))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF Debug] Terminal Value 75.58% ; FCFF base≈728.2m ; Y1≈748.6m ; Y5≈837.6m
Fair Price DCF = 110.1 (EV 12.62b - Net Debt 463.6m = Equity 12.16b / Shares 110.4m; r=8.82% [WACC]; 5y FCF grow 2.78% → 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 (2026-03-31): EPS=1.44 | Chg30d=-0.054 | Revisions Net=-3 | Analysts=8
EPS current Year (2026-12-31): EPS=5.97 | Chg30d=-0.158 | Revisions Net=-2 | Growth EPS=-3.4% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=6.46 | Chg30d=-0.131 | Revisions Net=-4 | Growth EPS=+8.3% | Growth Revenue=+6.7%
P/E Forward = 7.7459
P/S = 3.4211
P/B = 0.9064
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 = 5.78b USD (5.32b + Debt 463.6m - (null CCE))
Interest Coverage Ratio = 0.65 (Ebit TTM 705.8m / Interest Expense TTM 1.08b)
EV/FCF = 8.54x (Enterprise Value 5.78b / FCF TTM 677.4m)
FCF Yield = 11.71% (FCF TTM 677.4m / Enterprise Value 5.78b)
FCF Margin = 24.14% (FCF TTM 677.4m / 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 5.78b / 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 = 0.68 (Net Debt 463.6m / FCF TTM 677.4m)
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 = 8.82% (E(5.32b)/V(5.78b) * Re(9.59%) + (debt cost/tax rate unavailable))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF Debug] Terminal Value 75.58% ; FCFF base≈728.2m ; Y1≈748.6m ; Y5≈837.6m
Fair Price DCF = 110.1 (EV 12.62b - Net Debt 463.6m = Equity 12.16b / Shares 110.4m; r=8.82% [WACC]; 5y FCF grow 2.78% → 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 (2026-03-31): EPS=1.44 | Chg30d=-0.054 | Revisions Net=-3 | Analysts=8
EPS current Year (2026-12-31): EPS=5.97 | Chg30d=-0.158 | Revisions Net=-2 | Growth EPS=-3.4% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=6.46 | Chg30d=-0.131 | Revisions Net=-4 | Growth EPS=+8.3% | Growth Revenue=+6.7%