46.02 USD
-0.52 (-1.12%)
46.02 USD
0 (0%)
Overall OZK gets a fundamental rating of 4 out of 10. We evaluated OZK against 388 industry peers in the Banks industry. There are concerns on the financial health of OZK while its profitability can be described as average. OZK has a decent growth rate and is not valued too expensively. 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.
Each year in the past 5 years OZK has been profitable.
In the past 5 years OZK always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 1.70%, OZK belongs to the best of the industry, outperforming 93.30% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.58%, OZK is in the better half of the industry, outperforming 79.12% of the companies in the same industry.
| 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
OZK has a Profit Margin of 41.51%. This is amongst the best in the industry. OZK outperforms 95.88% 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) | 41.51% | ||
| 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.
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 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 Debt to FCF ratio of 0.68. This is in the better half of the industry: OZK outperforms 76.03% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OZK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.08, OZK is in the better half of the industry, outperforming 74.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.15%
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.
The Earnings Per Share has been growing by 13.15% on average over the past years. This is quite good.
Looking at the last year, OZK shows a small growth in Revenue. The Revenue has grown by 2.79% in the last year.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 2.75% on average over the next years.
OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.22% yearly.
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.
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
With a Price/Earnings ratio of 7.42, the valuation of OZK can be described as very cheap.
94.85% of the companies in the same industry are more expensive than OZK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.51, OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 7.43 indicates a rather cheap valuation of OZK.
91.49% 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 23.13, OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.43 |
4.2 Price Multiples
OZK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OZK is cheaper than 80.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.65 | ||
| 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)3.93
PEG (5Y)0.56
EPS Next 2Y0.4%
EPS Next 3Y2.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.69%, OZK has a reasonable but not impressive dividend return.
OZK's Dividend Yield is a higher than the industry average which is at 2.74.
OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
On average, the dividend of OZK grows each year by 12.96%, which is quite nice.
OZK has been paying a dividend for at least 10 years, so it has 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
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%
46.02
-0.52 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.82%
Inst Owner Change0.18%
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap5.18B
Revenue(TTM)1.70B
Net Income(TTM)705.51M
Analysts71.43
Price Target55.87 (21.4%)
Short Float %14.21%
Short Ratio12.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
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)-2.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.77%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-2.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.43 | ||
| P/S | 3.05 | ||
| P/FCF | 7.65 | ||
| P/OCF | 6.6 | ||
| P/B | 0.85 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.2
EY13.47%
EPS(NY)6.19
Fwd EY13.45%
FCF(TTM)6.01
FCFY13.07%
OCF(TTM)6.97
OCFY15.14%
SpS15.09
BVpS54.1
TBVpS48.23
PEG (NY)3.93
PEG (5Y)0.56
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
WACC21.15%
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 7.42 and the Price/Book (PB) ratio is 0.85.
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.