BANK OZK (1OZK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1OZK - US06417N1037 - Common Stock
42.27 EUR
+42.27 (+Infinity%)
Overall 1OZK gets a fundamental rating of 4 out of 10. We evaluated 1OZK against 114 industry peers in the Banks industry. 1OZK has only an average score on both its financial health and profitability. 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.
1OZK had a positive operating cash flow in the past year.
Each year in the past 5 years 1OZK has been profitable.
Each year in the past 5 years 1OZK had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 1OZK (1.70%) is better than 88.60% of its industry peers.
1OZK has a Return On Equity (11.58%) which is in line with its industry peers.
| 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
1OZK has a Profit Margin of 41.51%. This is amongst the best in the industry. 1OZK outperforms 93.86% of its industry peers.
In the last couple of years the Profit Margin of 1OZK has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for 1OZK so they could not be analyzed.
| 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.
1OZK has less shares outstanding than it did 5 years ago.
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.
The Debt to FCF ratio of 1OZK (0.68) is better than 97.37% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that 1OZK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.08, 1OZK belongs to the top 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
The Earnings Per Share has been growing slightly by 1.97% over the past year.
1OZK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.15% yearly.
The Revenue has been growing slightly by 2.79% in the past year.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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.
1OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.22% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
A Price/Earnings ratio of 8.04 indicates a reasonable valuation of 1OZK.
86.84% of the companies in the same industry are more expensive than 1OZK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of 1OZK to the average of the S&P500 Index (26.59), we can say 1OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 8.05 indicates a reasonable valuation of 1OZK.
Based on the Price/Forward Earnings ratio, 1OZK is valued cheaply inside the industry as 90.35% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 24.03. 1OZK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 8.05 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1OZK is valued a bit cheaper than the industry average as 71.93% of the companies are valued more expensively.
| 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 1OZK does not grow enough to justify the current Price/Earnings ratio.
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 3.62%. Purely for dividend investing, there may be better candidates out there.
1OZK's Dividend Yield is comparable with the industry average which is at 4.12.
Compared to an average S&P500 Dividend Yield of 1.88, 1OZK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
5.2 History
On average, the dividend of 1OZK grows each year by 12.96%, which is quite nice.
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%
BIT:1OZK (12/18/2025, 7:00:00 PM)
42.27
+42.27 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.82%
Inst Owner ChangeN/A
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap4.76B
Revenue(TTM)1.70B
Net Income(TTM)705.51M
Analysts71.43
Price Target47.1 (11.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
Yearly Dividend1.47
Dividend Growth(5Y)12.96%
DP29.6%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.45%
Min EPS beat(2)-5.3%
Max EPS beat(2)2.39%
EPS beat(4)3
Avg EPS beat(4)1.92%
Min EPS beat(4)-5.3%
Max EPS beat(4)7.41%
EPS beat(8)5
Avg EPS beat(8)1.12%
EPS beat(12)9
Avg EPS beat(12)1.36%
EPS beat(16)12
Avg EPS beat(16)2.41%
Revenue beat(2)1
Avg Revenue beat(2)-0.14%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)0.14%
Revenue beat(4)3
Avg Revenue beat(4)0.12%
Min Revenue beat(4)-0.41%
Max Revenue beat(4)0.49%
Revenue beat(8)5
Avg Revenue beat(8)0.25%
Revenue beat(12)9
Avg Revenue beat(12)1.12%
Revenue beat(16)13
Avg Revenue beat(16)1.66%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 8.05 | ||
| P/S | 3.3 | ||
| P/FCF | 8.28 | ||
| P/OCF | 7.15 | ||
| P/B | 0.92 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.26
EY12.44%
EPS(NY)5.25
Fwd EY12.42%
FCF(TTM)5.1
FCFY12.07%
OCF(TTM)5.91
OCFY13.99%
SpS12.8
BVpS45.89
TBVpS40.92
PEG (NY)4.26
PEG (5Y)0.61
Graham Number73.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 11.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.51% | ||
| GM | N/A | ||
| FCFM | 39.86% |
ROA(3y)1.93%
ROA(5y)1.81%
ROE(3y)12.36%
ROE(5y)11.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 87.14% | ||
| Cap/Sales | 6.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC22.01%
ROIC/WACCN/A
Cap/Depr(3y)94.32%
Cap/Depr(5y)103.03%
Cap/Sales(3y)3.34%
Cap/Sales(5y)3.61%
Profit Quality(3y)122.04%
Profit Quality(5y)124.71%
High Growth Momentum
Growth
EPS 1Y (TTM)1.97%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.25%
EPS Next Y1.89%
EPS Next 2Y0.4%
EPS Next 3Y2.75%
EPS Next 5YN/A
Revenue 1Y (TTM)2.79%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%6.37%
Revenue Next Year4.3%
Revenue Next 2Y2.56%
Revenue Next 3Y4.22%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-18.69%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y-7.95%
OCF growth 3Y16.47%
OCF growth 5Y14.47%
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 of BANK OZK (1OZK.MI) 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 earnings growth outlook for BANK OZK?
The Earnings per Share (EPS) of BANK OZK (1OZK.MI) is expected to grow by 1.89% in the next year.
Is the dividend of BANK OZK sustainable?
The dividend rating of BANK OZK (1OZK.MI) is 6 / 10 and the dividend payout ratio is 29.6%.