BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - Nasdaq - US06417N1037 - Common Stock - Currency: USD
OZK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 394 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.
Each year in the past 5 years OZK had a positive operating cash flow.
1.2 Ratios
The Return On Assets of OZK (1.78%) is better than 94.42% of its industry peers.
Looking at the Return On Equity, with a value of 11.95%, OZK belongs to the top of the industry, outperforming 81.98% of the companies in the same industry.
| 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 97.21% 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.
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) | 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.
Compared to 1 year ago, OZK has more shares outstanding
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
The Debt to FCF ratio of OZK is 1.01, which is an excellent value as it means it would take OZK, only 1.01 years of fcf income to pay off all of its debts.
OZK has a Debt to FCF ratio of 1.01. This is in the better half of the industry: OZK outperforms 73.10% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that OZK is not too dependend on debt financing.
OZK's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. OZK outperforms 61.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.2%
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.
OZK shows a small growth in Revenue. In the last year, the Revenue has grown by 6.15%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
EPS 1Y (TTM)1.99%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%3.27%
Revenue 1Y (TTM)6.15%
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 3.45% on average per year.
OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.33% yearly.
EPS Next Y0.25%
EPS Next 2Y3.37%
EPS Next 3Y3.45%
EPS Next 5YN/A
Revenue Next Year2.15%
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
OZK is valuated reasonably with a Price/Earnings ratio of 8.44.
Based on the Price/Earnings ratio, OZK is valued cheaper than 91.62% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.48, OZK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.91, the valuation of OZK can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 84.01% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of OZK to the average of the S&P500 Index (36.52), we can say OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 7.91 |
4.2 Price Multiples
83.50% of the companies in the same industry are more expensive than OZK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OZK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)33.69
PEG (5Y)0.64
EPS Next 2Y3.37%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.32%, OZK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.31, OZK pays a bit more dividend than its industry peers.
OZK's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
5.2 History
The dividend of OZK is nicely growing with an annual growth rate of 12.96%!
OZK has been paying a dividend for at least 10 years, so it has 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
OZK pays out 28.75% of its income as dividend. This is a sustainable payout ratio.
OZK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.75%
EPS Next 2Y3.37%
EPS Next 3Y3.45%
51.91
+0.74 (+1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.35%
Inst Owner Change0%
Ins Owners6.37%
Ins Owner ChangeN/A
Market Cap5.85B
Analysts67.69
Price Target53.93 (3.89%)
Short Float %18.23%
Short Ratio23.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
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)0%
PT rev (3m)-6.03%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)5.38%
EPS NY rev (1m)0.37%
EPS NY rev (3m)2.86%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)2.32%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 7.91 | ||
| P/S | 3.52 | ||
| P/FCF | 7.73 | ||
| P/OCF | 6.77 | ||
| P/B | 1 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.15
EY11.85%
EPS(NY)6.56
Fwd EY12.64%
FCF(TTM)6.72
FCFY12.94%
OCF(TTM)7.67
OCFY14.78%
SpS14.75
BVpS51.78
TBVpS45.91
PEG (NY)33.69
PEG (5Y)0.64
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
WACC20.2%
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 Y0.25%
EPS Next 2Y3.37%
EPS Next 3Y3.45%
EPS Next 5YN/A
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%2.7%
Revenue Next Year2.15%
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-7.25%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y2.54%
OCF growth 3Y16.47%
OCF growth 5Y14.47%