BANK OZK (OZK) Stock Fundamental Analysis
USA - NASDAQ:OZK - US06417N1037 - Common Stock
44.38 USD
+0.59 (+1.35%)
44.54 USD
+0.16 (+0.36%)
Overall OZK gets a fundamental rating of 5 out of 10. We evaluated OZK against 390 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. 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.
OZK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of OZK (1.69%) is better than 93.08% of its industry peers.
OZK's Return On Equity of 11.85% is amongst the best of the industry. OZK outperforms 81.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 11.85% | ||
| 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 41.98%. This is amongst the best in the industry. OZK outperforms 96.67% 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) | 41.98% | ||
| 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.
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 1.68, which is an excellent value as it means it would take OZK, only 1.68 years of fcf income to pay off all of its debts.
OZK's Debt to FCF ratio of 1.68 is in line compared to the rest of the industry. OZK outperforms 53.33% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that OZK is not too dependend on debt financing.
OZK has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.46%
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.
OZK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.15% yearly.
The Revenue has been growing slightly by 6.15% in the past year.
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)1.97%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.25%
Revenue 1Y (TTM)6.15%
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 3.94% yearly.
Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 4.86% on average per year.
EPS Next Y3.05%
EPS Next 2Y1.87%
EPS Next 3Y3.94%
EPS Next 5YN/A
Revenue Next Year4.36%
Revenue Next 2Y3.55%
Revenue Next 3Y4.86%
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.
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 7.16, the valuation of OZK can be described as very cheap.
Based on the Price/Earnings ratio, OZK is valued cheaply inside the industry as 95.13% of the companies are valued more expensively.
OZK is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
OZK is valuated cheaply with a Price/Forward Earnings ratio of 6.97.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 91.03% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 32.68. OZK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.16 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
OZK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OZK is cheaper than 88.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.67 | ||
| 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)2.35
PEG (5Y)0.54
EPS Next 2Y1.87%
EPS Next 3Y3.94%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.91%.
Compared to an average industry Dividend Yield of 3.42, 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
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
OZK pays out 29.15% 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.
DP29.15%
EPS Next 2Y1.87%
EPS Next 3Y3.94%
44.38
+0.59 (+1.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.53%
Inst Owner Change-0.43%
Ins Owners6.6%
Ins Owner ChangeN/A
Market Cap5.00B
Revenue(TTM)1.66B
Net Income(TTM)702.13M
Analysts72.86
Price Target57.12 (28.71%)
Short Float %13.74%
Short Ratio13.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP29.15%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.78%
Min EPS beat(2)2.39%
Max EPS beat(2)3.16%
EPS beat(4)3
Avg EPS beat(4)3.04%
Min EPS beat(4)-0.82%
Max EPS beat(4)7.41%
EPS beat(8)6
Avg EPS beat(8)2.26%
EPS beat(12)9
Avg EPS beat(12)1.09%
EPS beat(16)13
Avg EPS beat(16)2.88%
Revenue beat(2)2
Avg Revenue beat(2)0.31%
Min Revenue beat(2)0.14%
Max Revenue beat(2)0.49%
Revenue beat(4)3
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)0.49%
Revenue beat(8)5
Avg Revenue beat(8)-0.11%
Revenue beat(12)9
Avg Revenue beat(12)1.27%
Revenue beat(16)13
Avg Revenue beat(16)1.55%
PT rev (1m)-0.79%
PT rev (3m)5.91%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)1.1%
EPS NY rev (1m)-1.01%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.16 | ||
| Fwd PE | 6.97 | ||
| P/S | 2.99 | ||
| P/FCF | 6.67 | ||
| P/OCF | 5.91 | ||
| P/B | 0.84 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.2
EY13.97%
EPS(NY)6.37
Fwd EY14.36%
FCF(TTM)6.65
FCFY14.99%
OCF(TTM)7.52
OCFY16.93%
SpS14.85
BVpS52.6
TBVpS46.73
PEG (NY)2.35
PEG (5Y)0.54
Graham Number85.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 11.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.98% | ||
| GM | N/A | ||
| FCFM | 44.8% |
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 | 0.21 | ||
| Debt/FCF | 1.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.68% | ||
| Cap/Sales | 5.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 106.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC21.46%
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 Y3.05%
EPS Next 2Y1.87%
EPS Next 3Y3.94%
EPS Next 5YN/A
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%6.37%
Revenue Next Year4.36%
Revenue Next 2Y3.55%
Revenue Next 3Y4.86%
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-7.29%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y1.44%
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 5 / 10 to OZK.
Can you provide the valuation status for BANK OZK?
ChartMill assigns a valuation rating of 6 / 10 to BANK OZK (OZK). This can be considered as Fairly Valued.
What is the profitability of OZK stock?
BANK OZK (OZK) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for OZK stock?
The Earnings per Share (EPS) of BANK OZK (OZK) is expected to grow by 3.05% in the next year.
Can you provide the dividend sustainability for OZK stock?
The dividend rating of BANK OZK (OZK) is 7 / 10 and the dividend payout ratio is 29.15%.