(OZK) Bank Ozk - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 5.181m USD | Total Return: 27.1% in 12m

Deposits, Loans, Trust Services, Treasury Management
Total Rating 31
Safety 66
Buy Signal 0.45
Banks - Regional
Industry Rotation: +9.3
Market Cap: 5.18B
Avg Turnover: 46.8M USD
ATR: 2.54%
Peers RS (IBD): 11.6
Risk 5d forecast
Volatility33.4%
Rel. Tail Risk-13.5%
Reward TTM
Sharpe Ratio0.85
Alpha-4.25
Character TTM
Beta1.233
Beta Downside1.519
Drawdowns 3y
Max DD29.23%
CAGR/Max DD0.55
EPS (Earnings per Share) EPS (Earnings per Share) of OZK over the last years for every Quarter: "2021-03": 1.14, "2021-06": 1.16, "2021-09": 1, "2021-12": 1.17, "2022-03": 1.02, "2022-06": 1.1, "2022-09": 1.08, "2022-12": 1.34, "2023-03": 1.41, "2023-06": 1.47, "2023-09": 1.49, "2023-12": 1.5, "2024-03": 1.51, "2024-06": 1.53, "2024-09": 1.55, "2024-12": 1.56, "2025-03": 1.47, "2025-06": 1.58, "2025-09": 1.59, "2025-12": 1.53, "2026-03": 0,
EPS CAGR: -43.23%
EPS Trend: -18.4%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of OZK over the last years for every Quarter: 2021-03: 294.389, 2021-06: 289.815, 2021-09: 286.394, 2021-12: 307.948, 2022-03: 292.012, 2022-06: 305.967, 2022-09: 350.548, 2022-12: 424.326, 2023-03: 476.528, 2023-06: 540.433, 2023-09: 591.24, 2023-12: 650.36, 2024-03: 666.137, 2024-06: 696.618, 2024-09: 715.657, 2024-12: 695.577, 2025-03: 670.462, 2025-06: 699.633, 2025-09: 731.109, 2025-12: 704.611, 2026-03: null,
Rev. CAGR: 26.48%
Rev. Trend: 89.2%
Last SUE: 3.46
Qual. Beats: 3

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: OZK Bank Ozk

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) 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 (-2.37b) to EBITDA (1.02b): -2.31 < 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 5.49k% > 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 -3.07
DSRI: 0.97 (Receivables 171.6m/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: -3.07 (Cap -4..+1) = AA
What is the price of OZK shares? As of April 08, 2026, the stock is trading at USD 46.64 with a total of 859,216 shares traded.
Over the past week, the price has changed by +1.63%, over one month by +4.20%, over three months by +0.28% and over the past year by +27.06%.
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?
Analysts Target Price 53.2 14.1%
Bank Ozk (OZK) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 7.4935
P/E Forward = 7.2202
P/S = 3.3311
P/B = 0.8828
P/EG = 2.7611
Revenue TTM = 2.81b USD
EBIT TTM = 705.8m USD
EBITDA TTM = 1.02b USD
Long Term Debt = 463.6m USD (from longTermDebt, last quarter)
 Short Term Debt = unknown (none)
 Debt = 463.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.37b USD (recalculated: Debt 463.6m - CCE 2.83b)
Enterprise Value = 2.81b USD (5.18b + Debt 463.6m - CCE 2.83b)
Interest Coverage Ratio = 0.65 (Ebit TTM 705.8m / Interest Expense TTM 1.08b)
EV/FCF = 3.84x (Enterprise Value 2.81b / FCF TTM 731.7m)
FCF Yield = 26.03% (FCF TTM 731.7m / Enterprise Value 2.81b)
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 = 0.07 (Enterprise Value 2.81b / 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 = -2.31 (Net Debt -2.37b / EBITDA 1.02b)
Debt / FCF = -3.24 (Net Debt -2.37b / 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 = 10.93% (EBIT 705.8m / Capital Employed (Equity 5.99b + L.T.Debt 463.6m))
RoIC = 8.40% (NOPAT 543.5m / Invested Capital 6.47b)
WACC = 9.47% (E(5.18b)/V(5.64b) * Re(10.32%) + (debt cost/tax rate unavailable))
Discount Rate = 10.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF] Terminal Value 73.39% ; FCFF base≈734.6m ; Y1≈741.5m ; Y5≈801.5m
[DCF] Fair Price = 121.6 (EV 11.05b - Net Debt -2.37b = Equity 13.42b / Shares 110.4m; r=9.47% [WACC]; 5y FCF grow 0.53% → 3.0% )
EPS Correlation: -18.37 | EPS CAGR: -43.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: 89.16 | Revenue CAGR: 26.48% | SUE: 3.46 | # QB: 3
EPS next Quarter (2026-06-30): EPS=1.47 | Chg7d=+0.005 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=10
EPS current Year (2026-12-31): EPS=5.97 | Chg7d=-0.005 | Chg30d=+0.007 | Revisions Net=+1 | Growth EPS=-3.3% | Growth Revenue=+0.8%
EPS next Year (2027-12-31): EPS=6.49 | Chg7d=+0.012 | Chg30d=+0.010 | Revisions Net=-1 | Growth EPS=+8.7% | Growth Revenue=+6.6%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.0% (Discount Rate 10.3% - Earnings Yield 13.3%)
[Growth] Growth Spread = +4.0% (Analyst 1.0% - Implied -3.0%)
External Resources
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