OZK Fundamental Analysis - BANK OZK

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to OZK. OZK was compared to 392 industry peers in the Banks industry. While OZK is still in line with the averages on profitability rating, there are concerns on its financial health. OZK has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

OZK had positive earnings in the past year.

OZK had a positive operating cash flow in the past year.

OZK had positive earnings in each of the past 5 years.

OZK had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

OZK has a better Return On Assets (1.78%) than 94.13% 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 82.14% 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

OZK has a better Profit Margin (41.94%) than 96.68% 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)	41.94%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

OZK has a better debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 1.01, OZK is in the better half of the industry, outperforming 70.15% of the companies in the same industry.

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 60.97% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.01
Altman-Z	N/A

ROIC/WACCN/A

WACC19.99%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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)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

OZK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.67% yearly.

Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 5.31% on average per year.

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.40, which indicates a very decent valuation of OZK.

Based on the Price/Earnings ratio, OZK is valued cheaply inside the industry as 92.60% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.41, OZK is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 7.72, the valuation of OZK can be described as very cheap.

Based on the Price/Forward Earnings ratio, OZK is valued cheaper than 87.76% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, OZK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.4
Fwd PE	7.72

4.2 Price Multiples

84.69% 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	7.68
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)2.05

PEG (5Y)0.64

EPS Next 2Y4.35%

EPS Next 3Y4.67%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.20%, OZK has a reasonable but not impressive dividend return.

OZK's Dividend Yield is comparable with the industry average which is at 3.47.

OZK's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.2%

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 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.

The dividend of OZK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP28.75%

EPS Next 2Y4.35%

EPS Next 3Y4.67%

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BANK OZK

NASDAQ:OZK (9/22/2025, 8:55:32 PM)

After market: 51.68 +0.05 (+0.1%)

51.63

-0.97 (-1.84%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-16 2025-10-16/amc

Inst Owners97.24%

Inst Owner Change-0.8%

Ins Owners6.59%

Ins Owner ChangeN/A

Market Cap5.81B

Analysts72.31

Price Target57.57 (11.5%)

Short Float %15.59%

Short Ratio17.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.2%

Yearly Dividend1.73

Dividend Growth(5Y)12.96%

DP28.75%

Div Incr Years27

Div Non Decr Years27

Ex-Date07-11 2025-07-11 (0.44)

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)1.4%

PT rev (3m)11.5%

EPS NQ rev (1m)-0.07%

EPS NQ rev (3m)0.44%

EPS NY rev (1m)0%

EPS NY rev (3m)4.22%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)-0.05%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.34%

Valuation

		Industry Rank	Sector Rank
PE	8.4
Fwd PE	7.72
P/S	3.5
P/FCF	7.68
P/OCF	6.73
P/B	1
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)6.15

EY11.91%

EPS(NY)6.69

Fwd EY12.95%

FCF(TTM)6.72

FCFY13.01%

OCF(TTM)7.67

OCFY14.86%

SpS14.75

BVpS51.78

TBVpS45.91

PEG (NY)2.05

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

WACC19.99%

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%

BANK OZK (OZK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens