BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - Nasdaq - US06417N1037 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to OZK. OZK was compared to 397 industry peers in the Banks industry. OZK has only an average score on both its financial health and profitability. OZK is not valued too expensively and it also shows a decent growth rate. 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.
Each year in the past 5 years OZK had a positive operating cash flow.
1.2 Ratios
OZK has a better Return On Assets (1.83%) than 95.47% of its industry peers.
With an excellent Return On Equity value of 12.27%, OZK belongs to the best of the industry, outperforming 84.38% 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
With an excellent Profit Margin value of 42.23%, OZK belongs to the best of the industry, outperforming 97.23% of the companies in the same industry.
OZK's Profit Margin has been stable in the last couple of years.
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) | 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.
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 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 80.60% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OZK is not too dependend on debt financing.
OZK has a better Debt to Equity ratio (0.08) than 75.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.63%
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.
OZK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.15% yearly.
OZK shows a small growth in Revenue. In the last year, the Revenue has grown by 4.14%.
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)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
The Earnings Per Share is expected to grow by 2.98% on average over the next years.
Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 4.22% on average per year.
EPS Next Y-2.43%
EPS Next 2Y3.3%
EPS Next 3Y2.98%
EPS Next 5YN/A
Revenue Next Year1.91%
Revenue Next 2Y3.64%
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
The Price/Earnings ratio is 7.22, which indicates a rather cheap valuation of OZK.
Based on the Price/Earnings ratio, OZK is valued cheaply inside the industry as 92.95% of the companies are valued more expensively.
OZK is valuated cheaply when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.72 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 91.44% of the companies are valued more expensively.
OZK is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.74, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 6.72 |
4.2 Price Multiples
OZK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OZK is cheaper than 86.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2Y3.3%
EPS Next 3Y2.98%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.98%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.49, 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 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
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 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
27.94% of the earnings are spent on dividend by OZK. This is a low number and 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 2Y3.3%
EPS Next 3Y2.98%
44.05
-0.1 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.74%
Inst Owner Change-0.25%
Ins Owners6.65%
Ins Owner ChangeN/A
Market Cap5.00B
Analysts67.69
Price Target51.38 (16.64%)
Short Float %17.01%
Short Ratio12.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
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)-6.5%
PT rev (3m)-7.36%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)-0.78%
EPS NY rev (1m)0.11%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)1.13%
Revenue NY rev (3m)2.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 6.72 | ||
| P/S | 3.02 | ||
| P/FCF | 6.77 | ||
| P/OCF | 6 | ||
| P/B | 0.88 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.1
EY13.85%
EPS(NY)6.55
Fwd EY14.87%
FCF(TTM)6.5
FCFY14.76%
OCF(TTM)7.35
OCFY16.68%
SpS14.6
BVpS50.23
TBVpS44.41
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
WACC21.63%
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-2.43%
EPS Next 2Y3.3%
EPS Next 3Y2.98%
EPS Next 5YN/A
Revenue 1Y (TTM)4.14%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%0.79%
Revenue Next Year1.91%
Revenue Next 2Y3.64%
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-13.32%
FCF growth 3Y14.34%
FCF growth 5Y17.79%
OCF growth 1Y-5.34%
OCF growth 3Y16.47%
OCF growth 5Y14.47%