46.02 USD
+0.02 (+0.04%)
46.02 USD
0 (0%)
OZK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. OZK has a medium profitability rating, but doesn't score so well on its financial health evaluation. OZK is not valued too expensively and it also shows a decent growth rate. Finally OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
OZK had positive earnings in the past year.
OZK had a positive operating cash flow in the past year.
Each year in the past 5 years OZK has been profitable.
OZK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OZK has a Return On Assets of 1.69%. This is amongst the best in the industry. OZK outperforms 93.28% of its industry peers.
Looking at the Return On Equity, with a value of 11.85%, OZK belongs to the top of the industry, outperforming 80.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 11.85% | ||
| 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 OZK (41.98%) is better than 96.12% of its industry peers.
In the last couple of years the Profit Margin of OZK has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for OZK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.98% | ||
| 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
OZK does not have a ROIC to compare to the WACC, probably because it is not profitable.
OZK has more shares outstanding than it did 1 year ago.
The number of shares outstanding for OZK has been reduced compared to 5 years ago.
OZK has a better debt/assets ratio than last year.
2.2 Solvency
OZK has a debt to FCF ratio of 1.68. This is a very positive value and a sign of high solvency as it would only need 1.68 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.68, OZK perfoms like the industry average, outperforming 54.01% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that OZK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.21, OZK is in line with its industry, outperforming 40.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OZK 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.
The Revenue has been growing slightly by 6.15% in the past year.
OZK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
EPS 1Y (TTM)1.97%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.25%
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%6.37%
3.2 Future
Based on estimates for the next years, OZK will show a small growth in Earnings Per Share. The EPS will grow by 2.72% on average per year.
OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.20% yearly.
EPS Next Y1.72%
EPS Next 2Y0.43%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y2.51%
Revenue Next 3Y4.2%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.42 indicates a rather cheap valuation of OZK.
94.83% of the companies in the same industry are more expensive than OZK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of OZK to the average of the S&P500 Index (26.31), we can say OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 7.43 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 89.66% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.59. OZK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.43 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OZK is valued cheaper than 85.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OZK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.32
PEG (5Y)0.56
EPS Next 2Y0.43%
EPS Next 3Y2.72%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.78%. Purely for dividend investing, there may be better candidates out there.
OZK's Dividend Yield is a higher than the industry average which is at 3.23.
Compared to an average S&P500 Dividend Yield of 2.34, OZK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
5.2 History
On average, the dividend of OZK grows each year by 12.96%, which is quite nice.
OZK has paid a dividend for at least 10 years, which is a reliable track record.
OZK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)12.96%
Div Incr Years27
Div Non Decr Years27
5.3 Sustainability
OZK pays out 29.15% of its income as dividend. This is a sustainable payout ratio.
The dividend of OZK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.15%
EPS Next 2Y0.43%
EPS Next 3Y2.72%
46.02
+0.02 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.53%
Inst Owner Change0.17%
Ins Owners6.6%
Ins Owner ChangeN/A
Market Cap5.18B
Revenue(TTM)1.66B
Net Income(TTM)702.13M
Analysts71.43
Price Target55.87 (21.4%)
Short Float %13.59%
Short Ratio11.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP29.15%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.78%
Min EPS beat(2)2.39%
Max EPS beat(2)3.16%
EPS beat(4)3
Avg EPS beat(4)3.04%
Min EPS beat(4)-0.82%
Max EPS beat(4)7.41%
EPS beat(8)6
Avg EPS beat(8)2.26%
EPS beat(12)9
Avg EPS beat(12)1.09%
EPS beat(16)13
Avg EPS beat(16)2.88%
Revenue beat(2)2
Avg Revenue beat(2)0.31%
Min Revenue beat(2)0.14%
Max Revenue beat(2)0.49%
Revenue beat(4)3
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)0.49%
Revenue beat(8)5
Avg Revenue beat(8)-0.11%
Revenue beat(12)9
Avg Revenue beat(12)1.27%
Revenue beat(16)13
Avg Revenue beat(16)1.55%
PT rev (1m)-4.73%
PT rev (3m)-2.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.66%
EPS NY rev (1m)-1.29%
EPS NY rev (3m)-2.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.43 | ||
| P/S | 3.1 | ||
| P/FCF | 6.92 | ||
| P/OCF | 6.12 | ||
| P/B | 0.87 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.2
EY13.47%
EPS(NY)6.19
Fwd EY13.46%
FCF(TTM)6.65
FCFY14.46%
OCF(TTM)7.52
OCFY16.33%
SpS14.85
BVpS52.6
TBVpS46.73
PEG (NY)4.32
PEG (5Y)0.56
Graham Number85.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 11.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.98% | ||
| GM | N/A | ||
| FCFM | 44.8% |
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 | 0.21 | ||
| Debt/FCF | 1.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.68% | ||
| Cap/Sales | 5.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 106.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC21.02%
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 Y1.72%
EPS Next 2Y0.43%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%6.37%
Revenue Next Year4.3%
Revenue Next 2Y2.51%
Revenue Next 3Y4.2%
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-7.29%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y1.44%
OCF growth 3Y16.47%
OCF growth 5Y14.47%
BANK OZK / OZK FAQ
What is the ChartMill fundamental rating of BANK OZK (OZK) stock?
ChartMill assigns a fundamental rating of 5 / 10 to OZK.
Can you provide the valuation status for BANK OZK?
ChartMill assigns a valuation rating of 6 / 10 to BANK OZK (OZK). This can be considered as Fairly Valued.
What is the profitability of OZK stock?
BANK OZK (OZK) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for OZK stock?
The Earnings per Share (EPS) of BANK OZK (OZK) is expected to grow by 1.72% in the next year.
Can you provide the dividend sustainability for OZK stock?
The dividend rating of BANK OZK (OZK) is 8 / 10 and the dividend payout ratio is 29.15%.