BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - Nasdaq - US06417N1037 - Common Stock - Currency: USD
Taking everything into account, OZK scores 5 out of 10 in our fundamental rating. OZK was compared to 395 industry peers in the Banks industry. While OZK is still in line with the averages on profitability rating, there are concerns on its financial health. OZK is not valued too expensively and it also shows a decent growth rate. OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OZK was profitable.
OZK had a positive operating cash flow in the past year.
In the past 5 years OZK has always been profitable.
In the past 5 years OZK always reported a positive cash flow from operatings.
1.2 Ratios
OZK has a Return On Assets of 1.78%. This is amongst the best in the industry. OZK outperforms 94.43% of its industry peers.
OZK has a Return On Equity of 11.95%. This is amongst the best in the industry. OZK outperforms 81.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.95% | ||
| 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
OZK has a Profit Margin of 41.94%. This is amongst the best in the industry. OZK outperforms 97.22% of its industry peers.
In the last couple of years the Profit Margin of OZK has remained more or less at the same level.
OZK 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) | 41.94% | ||
| 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.
Compared to 1 year ago, OZK has more shares outstanding
The number of shares outstanding for OZK has been reduced compared to 5 years ago.
Compared to 1 year ago, OZK has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OZK is 1.01, which is an excellent value as it means it would take OZK, only 1.01 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.01, OZK is doing good in the industry, outperforming 72.66% of the companies in the same industry.
OZK has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
OZK has a Debt to Equity ratio of 0.13. This is in the better half of the industry: OZK outperforms 61.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.6%
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 2.18% over the past year.
Measured over the past years, OZK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.15% on average per year.
OZK shows a small growth in Revenue. In the last year, the Revenue has grown by 4.14%.
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)2.18%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%-2.65%
Revenue 1Y (TTM)4.14%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%0.79%
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 3.45% on average per year.
Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 4.33% on average per year.
EPS Next Y-0.11%
EPS Next 2Y3.35%
EPS Next 3Y3.45%
EPS Next 5YN/A
Revenue Next Year2.09%
Revenue Next 2Y3.69%
Revenue Next 3Y4.33%
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
OZK is valuated cheaply with a Price/Earnings ratio of 7.36.
Compared to the rest of the industry, the Price/Earnings ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 93.92% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 6.85 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaper than 88.10% of the companies in the same industry.
OZK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 6.85 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OZK is valued cheaper than 85.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2Y3.35%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.77%.
OZK's Dividend Yield is a higher than the industry average which is at 3.46.
OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.96%
Div Incr Years27
Div Non Decr Years27
5.3 Sustainability
28.75% of the earnings are spent on dividend by OZK. This is a low number and sustainable payout ratio.
OZK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.75%
EPS Next 2Y3.35%
EPS Next 3Y3.45%
44.91
+0.49 (+1.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.35%
Inst Owner Change1.07%
Ins Owners6.37%
Ins Owner ChangeN/A
Market Cap5.06B
Analysts67.69
Price Target51.64 (14.99%)
Short Float %18%
Short Ratio16.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP28.75%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.28%
Min EPS beat(2)3.16%
Max EPS beat(2)7.41%
EPS beat(4)2
Avg EPS beat(4)2.35%
Min EPS beat(4)-0.82%
Max EPS beat(4)7.41%
EPS beat(8)6
Avg EPS beat(8)2.25%
EPS beat(12)9
Avg EPS beat(12)1.37%
EPS beat(16)13
Avg EPS beat(16)4.26%
Revenue beat(2)2
Avg Revenue beat(2)0.37%
Min Revenue beat(2)0.26%
Max Revenue beat(2)0.49%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)0.49%
Revenue beat(8)5
Avg Revenue beat(8)0.22%
Revenue beat(12)9
Avg Revenue beat(12)1.29%
Revenue beat(16)13
Avg Revenue beat(16)1.7%
PT rev (1m)0.5%
PT rev (3m)-6.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 6.85 | ||
| P/S | 3.04 | ||
| P/FCF | 6.68 | ||
| P/OCF | 5.86 | ||
| P/B | 0.87 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.1
EY13.58%
EPS(NY)6.56
Fwd EY14.6%
FCF(TTM)6.72
FCFY14.96%
OCF(TTM)7.67
OCFY17.08%
SpS14.75
BVpS51.78
TBVpS45.91
PEG (NY)N/A
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.94% | ||
| GM | N/A | ||
| FCFM | 45.55% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 128.13% | ||
| Cap/Sales | 6.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC21.6%
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)2.18%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%-2.65%
EPS Next Y-0.11%
EPS Next 2Y3.35%
EPS Next 3Y3.45%
EPS Next 5YN/A
Revenue 1Y (TTM)4.14%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%0.79%
Revenue Next Year2.09%
Revenue Next 2Y3.69%
Revenue Next 3Y4.33%
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-7.25%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y2.54%
OCF growth 3Y16.47%
OCF growth 5Y14.47%