48.215 USD
+0.15 (+0.3%)
OZK gets a fundamental rating of 4 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
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 1.70%. This is amongst the best in the industry. OZK outperforms 93.02% of its industry peers.
OZK has a Return On Equity of 11.58%. This is in the better half of the industry: OZK outperforms 79.07% of 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
Looking at the Profit Margin, with a value of 41.51%, OZK belongs to the top of the industry, outperforming 95.87% of the companies in the same industry.
OZK's Profit Margin has been stable in the last couple of years.
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) | 41.51% | ||
| 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
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.
OZK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for OZK has been reduced compared to a year ago.
2.2 Solvency
OZK has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
OZK has a better Debt to FCF ratio (0.68) than 75.97% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OZK is not too dependend on debt financing.
The Debt to Equity ratio of OZK (0.08) is better than 74.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.72%
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.
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.
The Revenue has been growing slightly by 2.79% in the past year.
Measured over the past years, OZK 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
OZK 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, OZK 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.
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
With a Price/Earnings ratio of 7.78, the valuation of OZK can be described as very cheap.
OZK's Price/Earnings ratio is rather cheap when compared to the industry. OZK is cheaper than 94.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.00. OZK is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.79, the valuation of OZK can be described as very cheap.
90.70% of the companies in the same industry are more expensive than OZK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 7.79 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OZK is valued cheaply inside the industry as 80.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.02 | ||
| 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)4.12
PEG (5Y)0.59
EPS Next 2Y0.4%
EPS Next 3Y2.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.78%, OZK has a reasonable but not impressive dividend return.
OZK's Dividend Yield is a higher than the industry average which is at 2.78.
OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| 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
29.60% 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.
DP29.6%
EPS Next 2Y0.4%
EPS Next 3Y2.75%
NASDAQ:OZK (1/9/2026, 3:40:42 PM)
48.215
+0.15 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.8%
Inst Owner Change0%
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap5.43B
Revenue(TTM)1.70B
Net Income(TTM)705.51M
Analysts71.43
Price Target55.87 (15.88%)
Short Float %14.21%
Short Ratio12.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP29.6%
Div Incr Years27
Div Non Decr Years27
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)4
Avg Revenue beat(8)-0.21%
Revenue beat(12)8
Avg Revenue beat(12)0.81%
Revenue beat(16)12
Avg Revenue beat(16)1.42%
PT rev (1m)0%
PT rev (3m)-4.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 7.79 | ||
| P/S | 3.2 | ||
| P/FCF | 8.02 | ||
| P/OCF | 6.92 | ||
| P/B | 0.89 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.2
EY12.86%
EPS(NY)6.19
Fwd EY12.84%
FCF(TTM)6.01
FCFY12.47%
OCF(TTM)6.97
OCFY14.45%
SpS15.09
BVpS54.1
TBVpS48.23
PEG (NY)4.12
PEG (5Y)0.59
Graham Number86.87
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
WACC20.72%
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 / OZK FAQ
What is the ChartMill fundamental rating of BANK OZK (OZK) stock?
ChartMill assigns a fundamental rating of 4 / 10 to OZK.
What is the valuation status of BANK OZK (OZK) stock?
ChartMill assigns a valuation rating of 6 / 10 to BANK OZK (OZK). This can be considered as Fairly Valued.
Can you provide the profitability details for BANK OZK?
BANK OZK (OZK) has a profitability rating of 4 / 10.
What is the valuation of BANK OZK based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANK OZK (OZK) is 7.78 and the Price/Book (PB) ratio is 0.89.
What is the earnings growth outlook for BANK OZK?
The Earnings per Share (EPS) of BANK OZK (OZK) is expected to grow by 1.89% in the next year.