(OZK) Bank Ozk - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 5.101m USD | Total Return: 4.8% in 12m
Commercial Loans, Real Estate Loans, Deposit Accounts, Wealth Management
Total Rating 29
Safety 66
Buy Signal -0.15
Banks - Regional
Industry Rotation: -1.9
Industry Rotation: -1.9
Market Cap:
5.10B
Avg Turnover: 45.1M
Avg Turnover: 45.1M
Risk 3d forecast
Volatility32.5%
VaR 5th Pctl5.16%
VaR vs Median-3.70%
Reward TTM
Sharpe Ratio0.14
Rel. Str. IBD36.3
Rel. Str. Peer Group13.7
Character TTM
Beta1.155
Beta Downside1.395
Hurst Exponent0.553
Drawdowns 3y
Max DD29.23%
CAGR/Max DD0.45
CAGR/Mean DD1.26
EPS (Earnings per Share)
EPS CAGR: 7.45%
EPS Trend: 65.8%
EPS Trend: 65.8%
Last SUE: -0.89
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 22.83%
Rev. Trend: 83.7%
Rev. Trend: 83.7%
Last SUE: 0.63
Qual. Beats: 0
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Description: OZK Bank Ozk
Bank OZK is an Arkansas-chartered financial institution providing a broad range of retail and commercial banking services, including deposit accounts, treasury management, and trust and wealth services. The company specializes in diverse lending categories such as real estate, consumer, agricultural, and commercial and industrial loans. Originally founded in 1903 as Bank of the Ozarks, the firm rebranded to its current name in 2018 and maintains its headquarters in Little Rock.
The bank operates within the Regional Banks sub-industry, a sector where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. Bank OZK’s business model is notably characterized by its Real Estate Specialties Group, which focuses on high-quality, low-leverage construction and development lending across major metropolitan areas.
To better understand how these lending concentrations impact long-term valuation, you may wish to review the detailed financial metrics available on ValueRay.
- Concentration in commercial real estate construction loans increases credit risk sensitivity
- High interest rates drive net interest margin expansion despite rising deposit costs
- Real Estate Specialties Group performance dictates overall loan growth and profitability
- Potential office sector distress threatens asset quality and increases provision for losses
- Robust deposit growth from retail and commercial services supports lending capacity
Piotroski VR‑10 (Strict)
4.0
| Net Income: 706.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.25 > 1.0 |
| NWC/Revenue: 54.62% < 20% (prev -1.04k%; Δ 1.10k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 807.9m > Net Income 706.9m |
| Net Debt (-888.1m) to EBITDA (993.0m): -0.89 < 3 |
| Current Ratio: 5.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (110.9m) vs 12m ago -2.89% < -2% |
| Gross Margin: 55.80% > 18% (prev 0.54%; Δ 5.53k% > 0.5%) |
| Asset Turnover: 6.92% > 50% (prev 7.09%; Δ -0.17% > 0%) |
| Interest Coverage Ratio: 0.45 > 6 (EBITDA TTM 993.0m / Interest Expense TTM 1.06b) |
Altman Z''
0.80
| A: 0.04 (Total Current Assets 1.88b - Total Current Liabilities 350.6m) / Total Assets 41.66b |
| B: 0.11 (Retained Earnings 4.43b / Total Assets 41.66b) |
| C: 0.01 (EBIT TTM 482.0m / Avg Total Assets 40.41b) |
| D: 0.12 (Book Value of Equity 4.38b / Total Liabilities 35.51b) |
| Altman-Z'' Score: 0.80 = B |
Beneish M
-3.04
| DSRI: 1.00 (Receivables 176.2m/174.3m, Revenue 2.80b/2.78b) |
| GMI: 0.96 (GM 55.80% / 53.64%) |
| AQI: 1.03 (AQ_t 0.93 / AQ_t-1 0.90) |
| SGI: 1.01 (Revenue 2.80b / 2.78b) |
| TATA: -0.00 (NI 706.9m - CFO 807.9m) / TA 41.66b) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of OZK shares?
As of May 21, 2026, the stock is trading at USD 47.03 with a total of 877,379 shares traded.
Over the past week, the price has changed by -0.51%, over one month by -4.49%, over three months by -3.23% and over the past year by +4.83%.
Over the past week, the price has changed by -0.51%, over one month by -4.49%, over three months by -3.23% and over the past year by +4.83%.
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 | 52.3 | 11.3% |
Bank Ozk (OZK) - Fundamental Data Overview
as of 19 May 2026
P/E Trailing = 7.5984 P/E Forward = 7.2202
P/S = 3.2687
P/B = 0.9101
P/EG = 2.7611
Revenue TTM = 2.80b USD
EBIT TTM = 482.0m USD
EBITDA TTM = 993.0m USD
Long Term Debt = 463.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 350.6m USD (from shortTermDebt, last quarter)
Debt = 813.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -888.1m USD (from netDebt column, last quarter)
Enterprise Value = 4.21b USD (5.10b + Debt 813.9m - CCE 1.70b)
Interest Coverage Ratio = 0.45 (Ebit TTM 482.0m / Interest Expense TTM 1.06b)
EV/FCF = 6.01x (Enterprise Value 4.21b / FCF TTM 701.4m)
FCF Yield = 16.65% (FCF TTM 701.4m / Enterprise Value 4.21b)
FCF Margin = 25.08% (FCF TTM 701.4m / Revenue TTM 2.80b)
Net Margin = 25.27% (Net Income TTM 706.9m / Revenue TTM 2.80b)
Gross Margin = 55.80% ((Revenue TTM 2.80b - Cost of Revenue TTM 1.24b) / Revenue TTM)
Gross Margin QoQ = 56.86% (prev 55.36%)
Tobins Q-Ratio = 0.10 (Enterprise Value 4.21b / Total Assets 41.66b)
Interest Expense / Debt = 29.91% (Interest Expense 243.4m / Debt 813.9m)
Taxrate = 22.80% (48.2m / 211.6m)
NOPAT = 372.1m (EBIT 482.0m * (1 - 22.80%))
Current Ratio = 5.36 (Total Current Assets 1.88b / Total Current Liabilities 350.6m)
Debt / Equity = 0.13 (Debt 813.9m / totalStockholderEquity, last quarter 6.16b)
Debt / EBITDA = -0.89 (Net Debt -888.1m / EBITDA 993.0m)
Debt / FCF = -1.27 (Net Debt -888.1m / FCF TTM 701.4m)
Total Stockholder Equity = 6.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 706.9m / Total Assets 41.66b)
RoE = 11.63% (Net Income TTM 706.9m / Total Stockholder Equity 6.08b)
RoCE = 7.37% (EBIT 482.0m / Capital Employed (Equity 6.08b + L.T.Debt 463.6m))
RoIC = 5.69% (NOPAT 372.1m / Invested Capital 6.54b)
WACC = 11.84% (E(5.10b)/V(5.92b) * Re(10.04%) + D(813.9m)/V(5.92b) * Rd(29.91%) * (1-Tc(0.23)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -33.33 | Cagr: -1.12%
[DCF] Terminal Value 65.39% ; FCFF base≈723.6m ; Y1≈713.7m ; Y5≈736.7m
[DCF] Fair Price = 76.90 (EV 7.51b - Net Debt -888.1m = Equity 8.39b / Shares 109.2m; r=11.84% [WACC]; 5y FCF grow -2.21% → 3.0% )
EPS Correlation: 65.79 | EPS CAGR: 7.45% | SUE: -0.89 | # QB: 0
Revenue Correlation: 83.72 | Revenue CAGR: 22.83% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.48 | Chg30d=+0.71% | Revisions=+8% | Analysts=10
EPS next Quarter (2026-09-30): EPS=1.50 | Chg30d=-0.96% | Revisions=-8% | Analysts=10
EPS current Year (2026-12-31): EPS=5.93 | Chg30d=-0.74% | Revisions=-17% | GrowthEPS=-4.0% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=6.42 | Chg30d=-1.03% | Revisions=-8% | GrowthEPS=+8.1% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: -17%