BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - Nasdaq - US06417N1037 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to OZK. OZK was compared to 395 industry peers in the Banks industry. Both the profitability and the financial health of OZK get a neutral evaluation. Nothing too spectacular is happening here. OZK has a decent growth rate and is not valued too expensively. Finally OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OZK was profitable.
In the past year OZK had a positive cash flow from operations.
OZK had positive earnings in each of the past 5 years.
OZK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OZK's Return On Assets of 1.83% is amongst the best of the industry. OZK outperforms 95.44% of its industry peers.
Looking at the Return On Equity, with a value of 12.27%, OZK belongs to the top of the industry, outperforming 83.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.83% | ||
| ROE | 12.27% | ||
| 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 42.23%. 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) | 42.23% | ||
| 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
Compared to 5 years ago, OZK has less shares outstanding
The debt/assets ratio for OZK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of OZK is 0.63, which is an excellent value as it means it would take OZK, only 0.63 years of fcf income to pay off all of its debts.
OZK has a Debt to FCF ratio of 0.63. This is amongst the best in the industry. OZK outperforms 80.25% of its industry peers.
OZK 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, OZK is in the better half of the industry, outperforming 75.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.78%
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 2.18%.
The Earnings Per Share has been growing by 13.15% on average over the past years. This is quite good.
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
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 7.46, the valuation of OZK can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 94.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.91, OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 6.94 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 90.13% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.77, OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.46 | ||
| Fwd PE | 6.94 |
4.2 Price Multiples
OZK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OZK is cheaper than 85.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y3.35%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.45, OZK pays a bit more dividend than its industry peers.
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 | 3.83% |
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
27.94% of the earnings are spent on dividend by OZK. This is a low number and sustainable payout ratio.
The dividend of OZK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.94%
EPS Next 2Y3.35%
EPS Next 3Y3.45%
45.49
+1.05 (+2.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.74%
Inst Owner Change1.11%
Ins Owners6.65%
Ins Owner ChangeN/A
Market Cap5.12B
Analysts67.69
Price Target51.38 (12.95%)
Short Float %16.85%
Short Ratio12.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP27.94%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.3%
Min EPS beat(2)-0.82%
Max EPS beat(2)7.41%
EPS beat(4)2
Avg EPS beat(4)2.18%
Min EPS beat(4)-0.82%
Max EPS beat(4)7.41%
EPS beat(8)6
Avg EPS beat(8)1.99%
EPS beat(12)9
Avg EPS beat(12)1.66%
EPS beat(16)13
Avg EPS beat(16)5.99%
Revenue beat(2)1
Avg Revenue beat(2)-0.45%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)0.26%
Revenue beat(4)2
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)1.31%
Revenue beat(8)5
Avg Revenue beat(8)0.7%
Revenue beat(12)9
Avg Revenue beat(12)1.28%
Revenue beat(16)13
Avg Revenue beat(16)1.82%
PT rev (1m)0%
PT rev (3m)-7.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.78%
EPS NY rev (1m)2.37%
EPS NY rev (3m)2.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.46 | ||
| Fwd PE | 6.94 | ||
| P/S | 3.09 | ||
| P/FCF | 6.93 | ||
| P/OCF | 6.14 | ||
| P/B | 0.9 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.1
EY13.41%
EPS(NY)6.56
Fwd EY14.42%
FCF(TTM)6.56
FCFY14.42%
OCF(TTM)7.41
OCFY16.29%
SpS14.72
BVpS50.66
TBVpS44.8
PEG (NY)N/A
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.83% | ||
| ROE | 12.27% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 42.23% | ||
| GM | N/A | ||
| FCFM | 44.56% |
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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 115.7% | ||
| Cap/Sales | 5.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 105.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC21.78%
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-13.32%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y-5.34%
OCF growth 3Y16.47%
OCF growth 5Y14.47%