BANK OZK (OZK) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:OZK • US06417N1037

49.94 USD
+0.83 (+1.69%)
Last: Feb 4, 2026, 01:46 PM
Fundamental Rating

5

OZK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year OZK was profitable.
  • In the past year OZK had a positive cash flow from operations.
  • In the past 5 years OZK has always been profitable.
  • OZK had a positive operating cash flow in 4 of the past 5 years.
OZK Yearly Net Income VS EBIT VS OCF VS FCFOZK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.70%, OZK belongs to the top of the industry, outperforming 92.43% of the companies in the same industry.
  • OZK has a Return On Equity of 11.58%. This is in the better half of the industry: OZK outperforms 78.59% of its industry peers.
Industry RankSector Rank
ROA 1.7%
ROE 11.58%
ROIC N/A
ROA(3y)1.84%
ROA(5y)1.94%
ROE(3y)12.27%
ROE(5y)12.09%
ROIC(3y)N/A
ROIC(5y)N/A
OZK Yearly ROA, ROE, ROICOZK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • OZK's Profit Margin of 41.51% is amongst the best of the industry. OZK outperforms 95.82% of its industry peers.
  • OZK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for OZK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 41.51%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.43%
PM growth 5Y6.61%
GM growth 3YN/A
GM growth 5YN/A
OZK Yearly Profit, Operating, Gross MarginsOZK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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4

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 less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OZK has been reduced compared to 5 years ago.
  • Compared to 1 year ago, OZK has an improved debt to assets ratio.
OZK Yearly Shares OutstandingOZK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
OZK Yearly Total Debt VS Total AssetsOZK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • OZK has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
  • OZK has a better Debt to FCF ratio (0.68) than 75.98% 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 74.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC20.59%
OZK Yearly LT Debt VS Equity VS FCFOZK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OZK Yearly Current Assets VS Current LiabilitesOZK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.49% over the past year.
  • Measured over the past years, OZK shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.35% on average per year.
  • Looking at the last year, OZK shows a small growth in Revenue. The Revenue has grown by 4.20% in the last year.
  • The Revenue has been growing by 11.71% on average over the past years. This is quite good.
EPS 1Y (TTM)0.49%
EPS 3Y10.77%
EPS 5Y22.35%
EPS Q2Q%-1.92%
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%4.3%

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 3.40% on average per year.
  • OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.29% yearly.
EPS Next Y0.08%
EPS Next 2Y3.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.92%
Revenue Next 2Y4.09%
Revenue Next 3Y5.29%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OZK Yearly Revenue VS EstimatesOZK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
OZK Yearly EPS VS EstimatesOZK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.09, which indicates a very decent valuation of OZK.
  • Based on the Price/Earnings ratio, OZK is valued cheaply inside the industry as 94.26% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of OZK to the average of the S&P500 Index (28.18), we can say OZK is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.09 indicates a reasonable valuation of OZK.
  • 92.69% of the companies in the same industry are more expensive than OZK, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, OZK is valued rather cheaply.
Industry RankSector Rank
PE 8.09
Fwd PE 8.09
OZK Price Earnings VS Forward Price EarningsOZK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, OZK is valued cheaply inside the industry as 82.25% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.3
EV/EBITDA N/A
OZK Per share dataOZK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)105.45
PEG (5Y)0.36
EPS Next 2Y3.4%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

  • OZK has a Yearly Dividend Yield of 3.77%. Purely for dividend investing, there may be better candidates out there.
  • OZK's Dividend Yield is rather good when compared to the industry average which is at 2.64. OZK pays more dividend than 80.16% of the companies in the same industry.
  • OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.77%

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 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
OZK Yearly Dividends per shareOZK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • OZK pays out 29.60% 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.
DP29.6%
EPS Next 2Y3.4%
EPS Next 3YN/A
OZK Yearly Income VS Free CF VS DividendOZK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
OZK Dividend Payout.OZK Dividend Payout, showing the Payout Ratio.OZK Dividend Payout.PayoutRetained Earnings

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BANK OZK

NASDAQ:OZK (2/4/2026, 1:46:01 PM)

49.94

+0.83 (+1.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-14
Inst Owners96.8%
Inst Owner Change-1.43%
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap5.63B
Revenue(TTM)1.73B
Net Income(TTM)705.51M
Analysts71.43
Price Target54.97 (10.07%)
Short Float %14.61%
Short Ratio12.17
Dividend
Industry RankSector Rank
Dividend Yield 3.77%
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP29.6%
Div Incr Years27
Div Non Decr Years27
Ex-Date01-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.45%
Min EPS beat(2)-5.3%
Max EPS beat(2)2.39%
EPS beat(4)3
Avg EPS beat(4)1.92%
Min EPS beat(4)-5.3%
Max EPS beat(4)7.41%
EPS beat(8)5
Avg EPS beat(8)1.12%
EPS beat(12)9
Avg EPS beat(12)1.36%
EPS beat(16)12
Avg EPS beat(16)2.41%
Revenue beat(2)1
Avg Revenue beat(2)-0.14%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)0.14%
Revenue beat(4)3
Avg Revenue beat(4)0.12%
Min Revenue beat(4)-0.41%
Max Revenue beat(4)0.49%
Revenue beat(8)4
Avg Revenue beat(8)-0.21%
Revenue beat(12)8
Avg Revenue beat(12)0.81%
Revenue beat(16)12
Avg Revenue beat(16)1.42%
PT rev (1m)-1.62%
PT rev (3m)-3.77%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-0.18%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-3.08%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-1.84%
Valuation
Industry RankSector Rank
PE 8.09
Fwd PE 8.09
P/S 3.31
P/FCF 8.3
P/OCF 7.17
P/B 0.92
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)6.17
EY12.35%
EPS(NY)6.17
Fwd EY12.36%
FCF(TTM)6.01
FCFY12.04%
OCF(TTM)6.97
OCFY13.95%
SpS15.09
BVpS54.1
TBVpS48.23
PEG (NY)105.45
PEG (5Y)0.36
Graham Number86.66
Profitability
Industry RankSector Rank
ROA 1.7%
ROE 11.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.51%
GM N/A
FCFM 39.86%
ROA(3y)1.84%
ROA(5y)1.94%
ROE(3y)12.27%
ROE(5y)12.09%
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-2.43%
PM growth 5Y6.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Debt/EBITDA N/A
Cap/Depr 87.14%
Cap/Sales 6.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC20.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.49%
EPS 3Y10.77%
EPS 5Y22.35%
EPS Q2Q%-1.92%
EPS Next Y0.08%
EPS Next 2Y3.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%4.3%
Revenue Next Year0.92%
Revenue Next 2Y4.09%
Revenue Next 3Y5.29%
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-15.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-11.12%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status of BANK OZK (OZK) stock?

ChartMill assigns a valuation rating of 6 / 10 to BANK OZK (OZK). This can be considered as Fairly Valued.


Can you provide the profitability details for BANK OZK?

BANK OZK (OZK) has a profitability rating of 4 / 10.


What is the valuation of BANK OZK based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANK OZK (OZK) is 8.09 and the Price/Book (PB) ratio is 0.92.


What is the earnings growth outlook for BANK OZK?

The Earnings per Share (EPS) of BANK OZK (OZK) is expected to grow by 0.08% in the next year.