BANK OZK (OZK) Fundamental Analysis & Valuation

NASDAQ:OZK • US06417N1037

Current stock price

47.47 USD
-1.04 (-2.14%)
At close:
47.47 USD
0 (0%)
After Hours:

This OZK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. OZK Profitability Analysis

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.
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

  • The Return On Assets of OZK (1.71%) is better than 92.84% of its industry peers.
  • The Return On Equity of OZK (11.41%) is better than 73.21% of its industry peers.
Industry RankSector Rank
ROA 1.71%
ROE 11.41%
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

  • Looking at the Profit Margin, with a value of 40.47%, OZK belongs to the top of the industry, outperforming 95.23% of the companies in the same industry.
  • OZK's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 40.47%
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. OZK Health Analysis

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 reduced compared to 1 year ago.
  • 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.
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 0.63. 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 in the better half of the industry: OZK outperforms 76.92% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that OZK is not too dependend on debt financing.
  • The Debt to Equity ratio of OZK (0.08) is better than 75.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.63
Altman-Z N/A
ROIC/WACCN/A
WACC21.97%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. OZK Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.66% over the past year.
  • The Earnings Per Share has been growing by 22.35% on average over the past years. This is a very strong growth
  • 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)0.66%
EPS 3Y10.77%
EPS 5Y22.35%
EPS Q2Q%-2.04%
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%2.17%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.39% 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 4.26% on average per year.
EPS Next Y-2.25%
EPS Next 2Y3.12%
EPS Next 3Y5.39%
EPS Next 5YN/A
Revenue Next Year0.46%
Revenue Next 2Y3.35%
Revenue Next 3Y4.26%
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
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 2028 2 4 6

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6

4. OZK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.73, the valuation of OZK can be described as very cheap.
  • OZK's Price/Earnings ratio is rather cheap when compared to the industry. OZK is cheaper than 94.16% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, OZK is valued rather cheaply.
  • OZK is valuated cheaply with a Price/Forward Earnings ratio of 7.23.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 92.31% 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 (22.24), we can say OZK is valued rather cheaply.
Industry RankSector Rank
PE 7.73
Fwd PE 7.23
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

  • 86.74% of the companies in the same industry are more expensive than OZK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.16
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

PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y3.12%
EPS Next 3Y5.39%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. OZK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.75%, OZK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, OZK pays a better dividend. On top of this OZK pays more dividend than 83.29% of the companies listed in the same industry.
  • OZK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.75%

5.2 History

  • On average, the dividend of OZK grows each year by 12.00%, 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%
Div Incr Years28
Div Non Decr Years28
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 30.45% 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.
DP30.45%
EPS Next 2Y3.12%
EPS Next 3Y5.39%
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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OZK Fundamentals: All Metrics, Ratios and Statistics

BANK OZK

NASDAQ:OZK (4/24/2026, 8:01:06 PM)

After market: 47.47 0 (0%)

47.47

-1.04 (-2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21
Earnings (Next)07-15
Inst Owners98.71%
Inst Owner Change-0.83%
Ins Owners6.82%
Ins Owner ChangeN/A
Market Cap5.24B
Revenue(TTM)1.73B
Net Income(TTM)699.29M
Analysts70
Price Target54.29 (14.37%)
Short Float %15.03%
Short Ratio12.31
Dividend
Industry RankSector Rank
Dividend Yield 3.75%
Yearly Dividend1.9
Dividend Growth(5Y)12%
DP30.45%
Div Incr Years28
Div Non Decr Years28
Ex-Date04-13
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.75%
Min EPS beat(2)-5.3%
Max EPS beat(2)-2.21%
EPS beat(4)2
Avg EPS beat(4)-0.49%
Min EPS beat(4)-5.3%
Max EPS beat(4)3.16%
EPS beat(8)4
Avg EPS beat(8)0.84%
EPS beat(12)8
Avg EPS beat(12)1.16%
EPS beat(16)11
Avg EPS beat(16)1.13%
Revenue beat(2)0
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-2.03%
Max Revenue beat(2)-0.41%
Revenue beat(4)2
Avg Revenue beat(4)-0.45%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)0.49%
Revenue beat(8)4
Avg Revenue beat(8)-0.23%
Revenue beat(12)7
Avg Revenue beat(12)0.32%
Revenue beat(16)11
Avg Revenue beat(16)0.85%
PT rev (1m)-1.03%
PT rev (3m)-1.24%
EPS NQ rev (1m)-0.85%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-2.32%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.45%
Valuation
Industry RankSector Rank
PE 7.73
Fwd PE 7.23
P/S 3.03
P/FCF 7.16
P/OCF 6.26
P/B 0.85
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)6.14
EY12.93%
EPS(NY)6.56
Fwd EY13.82%
FCF(TTM)6.63
FCFY13.96%
OCF(TTM)7.59
OCFY15.99%
SpS15.65
BVpS55.53
TBVpS49.54
PEG (NY)N/A
PEG (5Y)0.35
Graham Number87.5862 (84.51%)
Profitability
Industry RankSector Rank
ROA 1.71%
ROE 11.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.47%
GM N/A
FCFM 42.35%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.63
Debt/EBITDA N/A
Cap/Depr 84.4%
Cap/Sales 6.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC21.97%
ROIC/WACCN/A
Cap/Depr(3y)95.51%
Cap/Depr(5y)92.36%
Cap/Sales(3y)4.59%
Cap/Sales(5y)3.84%
Profit Quality(3y)112.17%
Profit Quality(5y)111.23%
High Growth Momentum
Growth
EPS 1Y (TTM)0.66%
EPS 3Y10.77%
EPS 5Y22.35%
EPS Q2Q%-2.04%
EPS Next Y-2.25%
EPS Next 2Y3.12%
EPS Next 3Y5.39%
EPS Next 5YN/A
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%2.17%
Revenue Next Year0.46%
Revenue Next 2Y3.35%
Revenue Next 3Y4.26%
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-0.96%
FCF growth 3Y-0.15%
FCF growth 5Y7.81%
OCF growth 1Y0.39%
OCF growth 3Y3.08%
OCF growth 5Y8.7%

BANK OZK / OZK Fundamental Analysis 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 for OZK stock?

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


How profitable is BANK OZK (OZK) stock?

BANK OZK (OZK) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for OZK stock?

The Price/Earnings (PE) ratio for BANK OZK (OZK) is 7.73 and the Price/Book (PB) ratio is 0.85.


Is the dividend of BANK OZK sustainable?

The dividend rating of BANK OZK (OZK) is 8 / 10 and the dividend payout ratio is 30.45%.