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. 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.
OZK had a positive operating cash flow in the past year.
OZK had positive earnings in each of the past 5 years.
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 1.83%, OZK belongs to the best of the industry, outperforming 95.44% of the companies in the same industry.
With an excellent Return On Equity value of 12.27%, OZK belongs to the best 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.
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) | 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.
The number of shares outstanding for OZK has been increased compared to 1 year ago.
The number of shares outstanding for OZK has been reduced compared to 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 0.63. This is a very positive value and a sign of high solvency as it would only need 0.63 years to pay back of 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.
With a decent Debt to Equity ratio value of 0.08, OZK is doing good in 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
WACC21.7%
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.
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 4.14% 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)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.
The Revenue is expected to grow by 4.33% on average over the next years.
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
The Price/Earnings ratio is 7.30, which indicates a rather cheap valuation of OZK.
Based on the Price/Earnings ratio, OZK is valued cheaper than 94.18% of the companies in the same industry.
OZK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
Based on the Price/Forward Earnings ratio of 6.79, the valuation of OZK can be described as very cheap.
90.13% of the companies in the same industry are more expensive than OZK, based on the Price/Forward Earnings ratio.
OZK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 6.79 |
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 | 6.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2Y3.35%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.83%.
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
The dividend of OZK is nicely growing with an annual growth rate of 12.96%!
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
OZK pays out 27.94% 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.
DP27.94%
EPS Next 2Y3.35%
EPS Next 3Y3.45%
44.5
-0.99 (-2.18%)
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 Cap5.01B
Analysts67.69
Price Target51.38 (15.46%)
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 | 7.3 | ||
| Fwd PE | 6.79 | ||
| P/S | 3.02 | ||
| P/FCF | 6.78 | ||
| P/OCF | 6.01 | ||
| P/B | 0.88 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.1
EY13.71%
EPS(NY)6.56
Fwd EY14.74%
FCF(TTM)6.56
FCFY14.74%
OCF(TTM)7.41
OCFY16.65%
SpS14.72
BVpS50.66
TBVpS44.8
PEG (NY)N/A
PEG (5Y)0.55
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
WACC21.7%
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%