BANK OZK (1OZK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1OZK - US06417N1037 - Common Stock
42.27 EUR
+42.27 (+Infinity%)
Taking everything into account, 1OZK scores 4 out of 10 in our fundamental rating. 1OZK was compared to 114 industry peers in the Banks industry. Both the profitability and the financial health of 1OZK get a neutral evaluation. Nothing too spectacular is happening here. 1OZK is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year 1OZK was profitable.
- In the past year 1OZK had a positive cash flow from operations.
- 1OZK had positive earnings in each of the past 5 years.
- In the past 5 years 1OZK always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.70%, 1OZK belongs to the top of the industry, outperforming 88.60% of the companies in the same industry.
- With a Return On Equity value of 11.58%, 1OZK perfoms like the industry average, outperforming 53.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 11.58% | ||
| ROIC | N/A |
ROA(3y)1.93%
ROA(5y)1.81%
ROE(3y)12.36%
ROE(5y)11.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of 1OZK (41.51%) is better than 93.86% of its industry peers.
- 1OZK's Profit Margin has been stable in the last couple of years.
- 1OZK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.51% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.93%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- 1OZK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for 1OZK has been increased compared to 1 year ago.
- Compared to 5 years ago, 1OZK has less shares outstanding
- Compared to 1 year ago, 1OZK has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of 1OZK is 0.68, which is an excellent value as it means it would take 1OZK, only 0.68 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.68, 1OZK belongs to the top of the industry, outperforming 97.37% of the companies in the same industry.
- A Debt/Equity ratio of 0.08 indicates that 1OZK is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.08, 1OZK belongs to the best of the industry, outperforming 91.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- 1OZK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.97%.
- The Earnings Per Share has been growing by 13.15% on average over the past years. This is quite good.
- Looking at the last year, 1OZK shows a small growth in Revenue. The Revenue has grown by 2.79% in the last year.
- Measured over the past years, 1OZK shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
EPS 1Y (TTM)1.97%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.25%
Revenue 1Y (TTM)2.79%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%6.37%
3.2 Future
- 1OZK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.75% yearly.
- Based on estimates for the next years, 1OZK will show a small growth in Revenue. The Revenue will grow by 4.22% on average per year.
EPS Next Y1.89%
EPS Next 2Y0.4%
EPS Next 3Y2.75%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y2.56%
Revenue Next 3Y4.22%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- 1OZK is valuated reasonably with a Price/Earnings ratio of 8.04.
- Compared to the rest of the industry, the Price/Earnings ratio of 1OZK indicates a rather cheap valuation: 1OZK is cheaper than 86.84% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, 1OZK is valued rather cheaply.
- With a Price/Forward Earnings ratio of 8.05, the valuation of 1OZK can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1OZK indicates a rather cheap valuation: 1OZK is cheaper than 90.35% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. 1OZK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 8.05 |
4.2 Price Multiples
- 71.05% of the companies in the same industry are more expensive than 1OZK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.26
PEG (5Y)0.61
EPS Next 2Y0.4%
EPS Next 3Y2.75%
5. Dividend
5.1 Amount
- 1OZK has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
- 1OZK's Dividend Yield is comparable with the industry average which is at 3.93.
- 1OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
- The dividend of 1OZK is nicely growing with an annual growth rate of 12.96%!
Dividend Growth(5Y)12.96%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 1OZK pays out 29.60% of its income as dividend. This is a sustainable payout ratio.
- The dividend of 1OZK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.6%
EPS Next 2Y0.4%
EPS Next 3Y2.75%
BANK OZK / 1OZK.MI FAQ
What is the ChartMill fundamental rating of BANK OZK (1OZK.MI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1OZK.MI.
What is the valuation status for 1OZK stock?
ChartMill assigns a valuation rating of 5 / 10 to BANK OZK (1OZK.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for BANK OZK?
BANK OZK (1OZK.MI) has a profitability rating of 4 / 10.
What is the financial health of BANK OZK (1OZK.MI) stock?
The financial health rating of BANK OZK (1OZK.MI) is 4 / 10.
Can you provide the expected EPS growth for 1OZK stock?
The Earnings per Share (EPS) of BANK OZK (1OZK.MI) is expected to grow by 1.89% in the next year.