BANK OZK (OZK) Fundamental Analysis & Valuation

NASDAQ:OZK • US06417N1037

Current stock price

43.4 USD
-0.44 (-1%)
At close:
43.4 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

  • 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.
  • OZK had a positive operating cash flow in each 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

  • The Return On Assets of OZK (1.71%) is better than 92.39% of its industry peers.
  • The Return On Equity of OZK (11.41%) is better than 76.90% 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

  • The Profit Margin of OZK (40.47%) is better than 95.54% of its industry peers.
  • In the last couple of years the Profit Margin of OZK has grown nicely.
  • 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) 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.
  • 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

  • The Debt to FCF ratio of OZK is 0.63, which is an excellent value as it means it would take OZK, only 0.63 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.63, OZK is in the better half of the industry, outperforming 77.69% of the companies in the same industry.
  • 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 75.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.63
Altman-Z N/A
ROIC/WACCN/A
WACC22.77%
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

  • OZK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.49%.
  • 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.
  • The Revenue has been growing slightly by 4.20% in the past year.
  • OZK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.71% yearly.
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 6.11% on average per year.
  • Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 5.30% on average per year.
EPS Next Y-2.48%
EPS Next 2Y2.93%
EPS Next 3Y6.11%
EPS Next 5YN/A
Revenue Next Year0.69%
Revenue Next 2Y3.68%
Revenue Next 3Y5.3%
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.
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 2028 2 4 6

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6

4. OZK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.03, 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 95.01% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, OZK is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.21, which indicates a rather cheap valuation of OZK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 92.65% 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 (23.83), we can say OZK is valued rather cheaply.
Industry RankSector Rank
PE 7.03
Fwd PE 7.21
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

  • 86.09% 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 6.68
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)0.31
EPS Next 2Y2.93%
EPS Next 3Y6.11%

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

8

5. OZK Dividend Analysis

5.1 Amount

  • OZK has a Yearly Dividend Yield of 6.98%, which is a nice return.
  • OZK's Dividend Yield is rather good when compared to the industry average which is at 2.90. OZK pays more dividend than 97.64% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, OZK pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.98%

5.2 History

  • The dividend of OZK is nicely growing with an annual growth rate of 12.00%!
  • OZK has paid a dividend for at least 10 years, which is 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%
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 30.45% 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.
DP30.45%
EPS Next 2Y2.93%
EPS Next 3Y6.11%
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 (3/13/2026, 8:00:02 PM)

After market: 43.4 0 (0%)

43.4

-0.44 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-14
Inst Owners96.55%
Inst Owner Change-0.08%
Ins Owners6.62%
Ins Owner ChangeN/A
Market Cap4.89B
Revenue(TTM)1.73B
Net Income(TTM)699.29M
Analysts70
Price Target54.85 (26.38%)
Short Float %14.83%
Short Ratio11.26
Dividend
Industry RankSector Rank
Dividend Yield 6.98%
Yearly Dividend1.9
Dividend Growth(5Y)12%
DP30.45%
Div Incr Years27
Div Non Decr Years27
Ex-Date01-13
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)1.47%
PT rev (3m)-1.83%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)-3.86%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.17%
Valuation
Industry RankSector Rank
PE 7.03
Fwd PE 7.21
P/S 2.83
P/FCF 6.68
P/OCF 5.84
P/B 0.8
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)6.17
EY14.22%
EPS(NY)6.02
Fwd EY13.86%
FCF(TTM)6.5
FCFY14.97%
OCF(TTM)7.44
OCFY17.14%
SpS15.34
BVpS54.42
TBVpS48.55
PEG (NY)N/A
PEG (5Y)0.31
Graham Number86.92
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
WACC22.77%
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)0.49%
EPS 3Y10.77%
EPS 5Y22.35%
EPS Q2Q%-1.92%
EPS Next Y-2.48%
EPS Next 2Y2.93%
EPS Next 3Y6.11%
EPS Next 5YN/A
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%4.3%
Revenue Next Year0.69%
Revenue Next 2Y3.68%
Revenue Next 3Y5.3%
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 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 5 / 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 7.03 and the Price/Book (PB) ratio is 0.8.


What is the earnings growth outlook for BANK OZK?

The Earnings per Share (EPS) of BANK OZK (OZK) is expected to decline by -2.48% in the next year.