BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - US06417N1037 - Common Stock
52.63 USD
-0.51 (-0.96%)
52.63 USD
0 (0%)
Overall OZK gets a fundamental rating of 5 out of 10. We evaluated OZK against 393 industry peers in the Banks industry. OZK has a medium profitability rating, but doesn't score so well on its financial health evaluation. OZK has a correct valuation and a medium growth rate. OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
OZK had positive earnings in the past year.
In the past year OZK had a positive cash flow from operations.
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 1.78%. This is amongst the best in the industry. OZK outperforms 94.40% of its industry peers.
OZK's Return On Equity of 11.95% is amongst the best of the industry. OZK outperforms 82.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.95% | ||
| 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
With an excellent Profit Margin value of 41.94%, OZK belongs to the best of the industry, outperforming 96.69% of the companies in the same industry.
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) | 41.94% | ||
| 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 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
OZK's Debt to FCF ratio of 1.01 is fine compared to the rest of the industry. OZK outperforms 70.99% of its industry peers.
OZK has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.13, OZK is in the better half of the industry, outperforming 60.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.89%
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 1.99% 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 3.03% 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)1.99%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.27%
Revenue 1Y (TTM)3.03%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%2.7%
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 4.67% on average per year.
OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
EPS Next Y4.1%
EPS Next 2Y4.35%
EPS Next 3Y4.67%
EPS Next 5YN/A
Revenue Next Year4.48%
Revenue Next 2Y4.87%
Revenue Next 3Y5.31%
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
OZK is valuated reasonably with a Price/Earnings ratio of 8.56.
OZK's Price/Earnings ratio is rather cheap when compared to the industry. OZK is cheaper than 91.86% of the companies in the same industry.
OZK is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
OZK is valuated cheaply with a Price/Forward Earnings ratio of 7.87.
Based on the Price/Forward Earnings ratio, OZK is valued cheaper than 86.77% of the companies in the same industry.
OZK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 7.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OZK is valued cheaper than 83.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.83 | ||
| 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)2.09
PEG (5Y)0.65
EPS Next 2Y4.35%
EPS Next 3Y4.67%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.41%.
OZK's Dividend Yield is a higher than the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, OZK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
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
28.75% 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.
DP28.75%
EPS Next 2Y4.35%
EPS Next 3Y4.67%
52.63
-0.51 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.24%
Inst Owner Change-0.8%
Ins Owners6.59%
Ins Owner ChangeN/A
Market Cap5.93B
Analysts69.23
Price Target57.57 (9.39%)
Short Float %15.27%
Short Ratio16.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP28.75%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.28%
Min EPS beat(2)3.16%
Max EPS beat(2)7.41%
EPS beat(4)2
Avg EPS beat(4)2.35%
Min EPS beat(4)-0.82%
Max EPS beat(4)7.41%
EPS beat(8)6
Avg EPS beat(8)2.25%
EPS beat(12)9
Avg EPS beat(12)1.37%
EPS beat(16)13
Avg EPS beat(16)4.26%
Revenue beat(2)2
Avg Revenue beat(2)0.37%
Min Revenue beat(2)0.26%
Max Revenue beat(2)0.49%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)0.49%
Revenue beat(8)5
Avg Revenue beat(8)0.22%
Revenue beat(12)9
Avg Revenue beat(12)1.29%
Revenue beat(16)13
Avg Revenue beat(16)1.7%
PT rev (1m)6.75%
PT rev (3m)12.05%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)0.44%
EPS NY rev (1m)3.84%
EPS NY rev (3m)4.22%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)2.28%
Revenue NY rev (3m)2.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 7.87 | ||
| P/S | 3.57 | ||
| P/FCF | 7.83 | ||
| P/OCF | 6.86 | ||
| P/B | 1.02 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.15
EY11.69%
EPS(NY)6.69
Fwd EY12.7%
FCF(TTM)6.72
FCFY12.77%
OCF(TTM)7.67
OCFY14.57%
SpS14.75
BVpS51.78
TBVpS45.91
PEG (NY)2.09
PEG (5Y)0.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.94% | ||
| GM | N/A | ||
| FCFM | 45.55% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 128.13% | ||
| Cap/Sales | 6.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC19.89%
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)1.99%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.27%
EPS Next Y4.1%
EPS Next 2Y4.35%
EPS Next 3Y4.67%
EPS Next 5YN/A
Revenue 1Y (TTM)3.03%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%2.7%
Revenue Next Year4.48%
Revenue Next 2Y4.87%
Revenue Next 3Y5.31%
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-7.25%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y2.54%
OCF growth 3Y16.47%
OCF growth 5Y14.47%