OZK Stock Analysis: Bank Ozk | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 5.026m USD | 12M Return: -6.3% | US06417N1037 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 53.0M
EPS Trend: 65.2%
Qual. Beats: 0
Rev. Trend: 81.1%
Qual. Beats: 0
Warnings
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: 691.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: 98.04% < 20% (prev -1.09k%; Δ 1.18k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 865.7m > Net Income 691.3m |
| Net Debt (-886.1m) to EBITDA (1.03b): -0.86 < 3 |
| Current Ratio: 8.75 > 1.5 & < 3 |
| Outstanding Shares: last quarter (109.7m) vs 12m ago -3.58% < -2% |
| Gross Margin: 56.04% > 18% (prev 54.48%; Δ 1.55% > 0.5%) |
| Asset Turnover: 6.66% > 50% (prev 6.71%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBIT TTM 896.1m / Interest Expense TTM 1.03b) |
| A: 0.07 (Total Current Assets 3.07b - Total Current Liabilities 350.6m) / Total Assets 41.7b |
| B: 0.11 (Retained Earnings 4.54b / Total Assets 41.7b) |
| C: 0.02 (EBIT TTM 896.1m / Avg Total Assets 41.6b) |
| D: 0.18 (Book Value of Equity 6.28b / Total Liabilities 35.4b) |
| Altman-Z'' = 1.11 = BB |
| DSRI: 0.96 (Receivables 175.4m/182.9m, Revenue 2.77b/2.78b) |
| GMI: 0.97 (GM 54.48% / 56.04%) |
| AQI: 1.00 (AQ_t 0.90 / AQ_t-1 0.90) |
| SGI: 1.00 (Revenue 2.77b / 2.78b) |
| TATA: -0.00 (NI 691.3m - CFO 865.7m) / TA 41.7b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of October 01, 2026, the stock is trading at USD 45.96 with a total of 1,168,444 shares traded. Over the past week, the price has changed by -0.28%, over one month by -6.36%, over three months by -10.92% and over the past year by -6.33%.
Current recommended Stop Loss: 44.90 (which is 2.3% or 1.2 ATR below the current price).
Bank Ozk has received a consensus analysts rating of 3.11. Therefore, it is recommended to hold OZK.
- StrongBuy: 1
- Buy: 1
- Hold: 6
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 54.4 | 18.5% |
P/E Trailing = 7.7593
P/E Forward = 7.6394
P/S = 3.2375
P/B = 0.8633
P/EG = 2.7611
Revenue TTM = 2.77b USD
EBIT TTM = 896.1m USD
EBITDA TTM = 1.03b USD
Long Term Debt = 463.9m USD (from longTermDebt, last quarter)
Short Term Debt = 734k USD (from shortTermDebt, last quarter)
Debt = 668.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -886.1m USD (calculated: Debt 668.2m - CCE 1.55b)
Enterprise Value = 4.14b USD (5.03b + Debt 668.2m - CCE 1.55b)
Interest Coverage Ratio = 0.87 (Ebit TTM 896.1m / Interest Expense TTM 1.03b)
EV/FCF = 5.43x (Enterprise Value 4.14b / FCF TTM 762.4m)
FCF Yield = 18.42% (FCF TTM 762.4m / Enterprise Value 4.14b)
FCF Margin = 27.52% (FCF TTM 762.4m / Revenue TTM 2.77b)
Net Margin = 24.95% (Net Income TTM 691.3m / Revenue TTM 2.77b)
Gross Margin = 56.04% ((Revenue TTM 2.77b - Cost of Revenue TTM 1.22b) / Revenue TTM)
Gross Margin QoQ = 57.13% (prev 56.86%)
Tobins Q-Ratio = 0.10 (Enterprise Value 4.14b / Total Assets 41.7b)
Interest Expense / Debt = 154.4% (Interest Expense 1.03b / Debt 668.2m)
Taxrate = 22.87% (204.9m / 896.1m)
NOPAT = 691.2m (EBIT 896.1m * (1 - 22.87%))
Current Ratio = 8.75 (Total Current Assets 3.07b / Total Current Liabilities 350.6m)
Debt / Equity = 0.11 (Debt 668.2m / totalStockholderEquity, last quarter 6.28b)
Debt / EBITDA = -0.86 (Net Debt -886.1m / EBITDA 1.03b)
Debt / FCF = -1.16 (Net Debt -886.1m / FCF TTM 762.4m)
Total Stockholder Equity = 6.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.66% (Net Income 691.3m / Total Assets 41.7b)
RoE = 11.21% (Net Income TTM 691.3m / Total Stockholder Equity 6.16b)
RoCE = 13.52% (EBIT 896.1m / Capital Employed (Equity 6.16b + L.T.Debt 463.9m))
RoIC = 1.66% (NOPAT 691.2m / Invested Capital 41.6b)
WACC = 7.83% (E(5.03b)/V(5.69b) * Re(8.87%) + (debt cost/tax rate unavailable))
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.56 | Cagr: -1.65%
[DCF] Terminal Value 75.67% ; FCFF base≈757.2m ; Y1≈771.3m ; Y5≈840.9m
[DCF] Fair Price = 127.7 (EV 13.0b - Net Debt -886.1m = Equity 13.9b / Shares 109.0m; r=8.35% [WACC [floored]]; 5y FCF grow 1.74% → 2.50% )
EPS Correlation: 65.19 | EPS CAGR: 1.65% | SUE: 0.52 | # QB: 0
Revenue Correlation: 81.07 | Revenue CAGR: 9.82% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.43 | Chg30d=+0.16% | Revisions=-25% | Analysts=10
EPS current Year (2026-12-31): EPS=5.79 | Chg30d=-0.03% | Revisions=-40% | GrowthEPS=-6.3% | GrowthRev=-0.1%
EPS next Year (2027-12-31): EPS=6.03 | Chg30d=-1.16% | Revisions=-50% | GrowthEPS=+4.1% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -67% (up=0, down=6)