BANK OZK (1OZK.MI) Fundamental Analysis & Valuation

BIT:1OZK • US06417N1037

42.27 EUR
+42.27 (+Infinity%)
Last: Dec 18, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 1OZK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to 1OZK. 1OZK was compared to 106 industry peers in the Banks industry. 1OZK has only an average score on both its financial health and profitability. 1OZK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. 1OZK.MI Profitability Analysis

1.1 Basic Checks

  • 1OZK had positive earnings in the past year.
  • 1OZK had a positive operating cash flow in the past year.
  • In the past 5 years 1OZK has always been profitable.
  • 1OZK had a positive operating cash flow in each of the past 5 years.
1OZK.MI Yearly Net Income VS EBIT VS OCF VS FCF1OZK.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

  • 1OZK has a better Return On Assets (1.70%) than 88.60% of its industry peers.
  • The Return On Equity of 1OZK (11.58%) is comparable to the rest of the industry.
Industry RankSector 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
1OZK.MI Yearly ROA, ROE, ROIC1OZK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With an excellent Profit Margin value of 41.51%, 1OZK belongs to the best of the industry, outperforming 93.86% of the companies in the same industry.
  • 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 RankSector 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
1OZK.MI Yearly Profit, Operating, Gross Margins1OZK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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4

2. 1OZK.MI Health Analysis

2.1 Basic Checks

  • 1OZK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1OZK has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for 1OZK has been reduced compared to 5 years ago.
  • 1OZK has a better debt/assets ratio than last year.
1OZK.MI Yearly Shares Outstanding1OZK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
1OZK.MI Yearly Total Debt VS Total Assets1OZK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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.
  • 1OZK has a Debt to FCF ratio of 0.68. This is amongst the best in the industry. 1OZK outperforms 97.37% of its industry peers.
  • 1OZK has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • 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 RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC22.01%
1OZK.MI Yearly LT Debt VS Equity VS FCF1OZK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1OZK.MI Yearly Current Assets VS Current Liabilites1OZK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

3. 1OZK.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.97% over the past year.
  • The Earnings Per Share has been growing by 13.15% on average over the past years. This is quite good.
  • 1OZK shows a small growth in Revenue. In the last year, the Revenue has grown by 2.79%.
  • 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

  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1OZK.MI Yearly Revenue VS Estimates1OZK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
1OZK.MI Yearly EPS VS Estimates1OZK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. 1OZK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.04, which indicates a very decent valuation of 1OZK.
  • Based on the Price/Earnings ratio, 1OZK is valued cheaply inside the industry as 86.84% of the companies are valued more expensively.
  • 1OZK is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • 1OZK is valuated reasonably with a Price/Forward Earnings ratio of 8.05.
  • Based on the Price/Forward Earnings ratio, 1OZK is valued cheaper than 90.35% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1OZK to the average of the S&P500 Index (24.95), we can say 1OZK is valued rather cheaply.
Industry RankSector Rank
PE 8.04
Fwd PE 8.05
1OZK.MI Price Earnings VS Forward Price Earnings1OZK.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1OZK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1OZK is cheaper than 71.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.28
EV/EBITDA N/A
1OZK.MI Per share data1OZK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1OZK.MI Dividend Analysis

5.1 Amount

  • 1OZK has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.33, 1OZK has a dividend in line with its industry peers.
  • 1OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.69%

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%
1OZK.MI Yearly Income VS Free CF VS Dividend1OZK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
1OZK.MI Dividend Payout.1OZK.MI Dividend Payout, showing the Payout Ratio.1OZK.MI Dividend Payout.PayoutRetained Earnings

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1OZK.MI Fundamentals: All Metrics, Ratios and Statistics

BANK OZK

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)10-16
Earnings (Next)01-14
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 Target48.23 (14.1%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.69%
Yearly Dividend1.46
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 RankSector 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 RankSector 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 RankSector 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 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.