(OZK) Bank Ozk - Ratings and Ratios
Deposits, Loans, Treasury, Trust, Wealth
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 38.6% |
| Value at Risk 5%th | 55.1% |
| Relative Tail Risk | -13.20% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.04 |
| Alpha | -16.76 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.505 |
| Beta | 1.082 |
| Beta Downside | 1.280 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.96% |
| Mean DD | 13.24% |
| Median DD | 13.60% |
Description: OZK Bank Ozk November 05, 2025
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 IRA accounts-alongside trust and wealth management, corporate trustee services, and an extensive treasury-management platform that covers ACH, wire, lockbox, remote deposit capture, and positive-pay solutions.
In addition to traditional deposit and cash-management services, the bank originates a diversified loan portfolio that spans residential mortgages, consumer and small-business loans, equipment financing, agricultural and commercial real-estate financing, as well as specialty lines such as government-guaranteed and subscription financing. The company rebranded from Bank of the Ozarks to Bank OZK in July 2018, reflecting its expansion beyond the Ozarks region.
Key performance indicators (Q4 2024): total assets ≈ $31 billion (up ~7 % YoY), loan-to-deposit ratio ≈ 78 %, net interest margin (NIM) ≈ 3.6 % (slightly above the regional-bank average of ~3.4 %), and return on equity (ROE) ≈ 13.2 % (versus industry median ~11 %). Deposit growth has been driven by higher-yield savings products, while loan growth has benefited from strong demand in commercial real-estate and consumer credit amid a still-tight labor market.
Sector-wide, Bank OZK’s outlook is closely tied to U.S. interest-rate dynamics, credit-quality trends in the commercial-real-estate space, and the competitive pressure from fintech-enabled deposit platforms; a sustained rise in rates could boost NIM but also increase loan-loss provisions if borrower stress escalates.
For a deeper quantitative dive, consider exploring the bank’s valuation metrics and scenario analyses on ValueRay.
OZK Stock Overview
| Market Cap in USD | 5,002m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1997-07-17 |
| Return 12m vs S&P 500 | -17.6% |
| Analyst Rating | 3.11 of 5 |
OZK Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 3.89% |
| Yield on Cost 5y | 7.33% |
| Yield CAGR 5y | 10.03% |
| Payout Consistency | 94.0% |
| Payout Ratio | 28.1% |
OZK Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 3.07% |
| CAGR/Max DD Calmar Ratio | 0.09 |
| CAGR/Mean DD Pain Ratio | 0.23 |
| Current Volume | 1040.4k |
| Average Volume | 1190.9k |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (721.7m TTM) > 0 and > 6% of Revenue (6% = 167.8m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1082 % (prev -907.6%; Δ -174.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 784.9m > Net Income 721.7m (YES >=105%, WARN >=100%) |
| Net Debt (-2.36b) to EBITDA (1.04b) ratio: -2.28 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (113.5m) change vs 12m ago -0.43% (target <= -2.0% for YES) |
| Gross Margin 55.08% (prev 54.20%; Δ 0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.08% (prev 7.29%; Δ -0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.64 (EBITDA TTM 1.04b / Interest Expense TTM 1.10b) >= 6 (WARN >= 3) |
Altman Z'' -4.20
| (A) -0.73 = (Total Current Assets 3.72b - Total Current Liabilities 33.98b) / Total Assets 41.61b |
| (B) 0.10 = Retained Earnings (Balance) 4.20b / Total Assets 41.61b |
| (C) 0.02 = EBIT TTM 698.6m / Avg Total Assets 39.52b |
| (D) 0.12 = Book Value of Equity 4.16b / Total Liabilities 35.51b |
| Total Rating: -4.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.07
| 1. Piotroski 4.50pt |
| 2. FCF Yield 30.45% |
| 3. FCF Margin 24.22% |
| 4. Debt/Equity 0.13 |
| 5. Debt/Ebitda -2.28 |
| 6. ROIC - WACC (= -4.16)% |
| 7. RoE 12.26% |
| 8. Rev. Trend 87.13% |
| 9. EPS Trend 83.34% |
What is the price of OZK shares?
Over the past week, the price has changed by +4.85%, over one month by -0.80%, over three months by -12.85% and over the past year by -8.02%.
Is OZK a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 6
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the OZK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 54.8 | 22.5% |
| Analysts Target Price | 54.8 | 22.5% |
| ValueRay Target Price | 43.8 | -1.9% |
OZK Fundamental Data Overview November 24, 2025
P/E Trailing = 7.2113
P/E Forward = 6.9784
P/S = 3.25
P/B = 0.8691
Beta = 0.919
Revenue TTM = 2.80b USD
EBIT TTM = 698.6m USD
EBITDA TTM = 1.04b USD
Long Term Debt = 763.4m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 763.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.36b USD (from netDebt column, last quarter)
Enterprise Value = 2.22b USD (5.00b + Debt 763.4m - CCE 3.54b)
Interest Coverage Ratio = 0.64 (Ebit TTM 698.6m / Interest Expense TTM 1.10b)
FCF Yield = 30.45% (FCF TTM 677.4m / Enterprise Value 2.22b)
FCF Margin = 24.22% (FCF TTM 677.4m / Revenue TTM 2.80b)
Net Margin = 25.80% (Net Income TTM 721.7m / Revenue TTM 2.80b)
Gross Margin = 55.08% ((Revenue TTM 2.80b - Cost of Revenue TTM 1.26b) / Revenue TTM)
Gross Margin QoQ = 54.93% (prev 56.15%)
Tobins Q-Ratio = 0.05 (Enterprise Value 2.22b / Total Assets 41.61b)
Interest Expense / Debt = 36.83% (Interest Expense 281.2m / Debt 763.4m)
Taxrate = 23.83% (57.7m / 242.3m)
NOPAT = 532.1m (EBIT 698.6m * (1 - 23.83%))
Current Ratio = 0.11 (Total Current Assets 3.72b / Total Current Liabilities 33.98b)
Debt / Equity = 0.13 (Debt 763.4m / totalStockholderEquity, last quarter 6.09b)
Debt / EBITDA = -2.28 (Net Debt -2.36b / EBITDA 1.04b)
Debt / FCF = -3.48 (Net Debt -2.36b / FCF TTM 677.4m)
Total Stockholder Equity = 5.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.73% (Net Income 721.7m / Total Assets 41.61b)
RoE = 12.26% (Net Income TTM 721.7m / Total Stockholder Equity 5.89b)
RoCE = 10.50% (EBIT 698.6m / Capital Employed (Equity 5.89b + L.T.Debt 763.4m))
RoIC = 8.23% (NOPAT 532.1m / Invested Capital 6.47b)
WACC = 12.39% (E(5.00b)/V(5.77b) * Re(10.0%) + D(763.4m)/V(5.77b) * Rd(36.83%) * (1-Tc(0.24)))
Discount Rate = 10.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.09%
[DCF Debug] Terminal Value 71.95% ; FCFE base≈728.2m ; Y1≈748.7m ; Y5≈839.7m
Fair Price DCF = 95.30 (DCF Value 10.66b / Shares Outstanding 111.9m; 5y FCF grow 2.78% → 3.0% )
EPS Correlation: 83.34 | EPS CAGR: 6.42% | SUE: -1.60 | # QB: 0
Revenue Correlation: 87.13 | Revenue CAGR: 21.88% | SUE: 0.89 | # QB: 2
Additional Sources for OZK Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle