BANK OZK - OZK 4 5/8 PERP (OZKAP) Stock Fundamental Analysis

NASDAQ:OZKAP • US06417N2027

16.8 USD
-0.08 (-0.47%)
Last: Feb 20, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OZKAP. OZKAP was compared to 381 industry peers in the Banks industry. OZKAP has only an average score on both its financial health and profitability. OZKAP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year OZKAP was profitable.
  • In the past year OZKAP had a positive cash flow from operations.
  • In the past 5 years OZKAP has always been profitable.
  • OZKAP had a positive operating cash flow in 4 of the past 5 years.
OZKAP Yearly Net Income VS EBIT VS OCF VS FCFOZKAP 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

  • OZKAP has a better Return On Assets (1.70%) than 93.18% of its industry peers.
  • With a decent Return On Equity value of 11.58%, OZKAP is doing good in the industry, outperforming 78.74% of the companies in the same industry.
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
OZKAP Yearly ROA, ROE, ROICOZKAP 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

  • With an excellent Profit Margin value of 41.51%, OZKAP belongs to the best of the industry, outperforming 96.06% of the companies in the same industry.
  • In the last couple of years the Profit Margin of OZKAP has grown nicely.
  • The Operating Margin and Gross Margin are not available for OZKAP 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
OZKAP Yearly Profit, Operating, Gross MarginsOZKAP 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • OZKAP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OZKAP has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OZKAP has been reduced compared to 5 years ago.
  • The debt/assets ratio for OZKAP has been reduced compared to a year ago.
OZKAP Yearly Shares OutstandingOZKAP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
OZKAP Yearly Total Debt VS Total AssetsOZKAP 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

  • OZKAP 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.
  • With a decent Debt to FCF ratio value of 0.68, OZKAP is doing good in the industry, outperforming 76.38% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that OZKAP is not too dependend on debt financing.
  • The Debt to Equity ratio of OZKAP (0.08) is better than 74.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC34.78%
OZKAP Yearly LT Debt VS Equity VS FCFOZKAP 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
OZKAP Yearly Current Assets VS Current LiabilitesOZKAP 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. Growth

3.1 Past

  • OZKAP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.49%.
  • 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, OZKAP shows a small growth in Revenue. The Revenue has grown by 4.20% in the last year.
  • Measured over the past years, OZKAP shows a quite strong growth in Revenue. The Revenue has been growing by 11.71% on average per year.
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

  • The Earnings Per Share is expected to grow by 5.37% on average over the next years.
  • OZKAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.29% yearly.
EPS Next Y-2.66%
EPS Next 2Y2.88%
EPS Next 3Y5.37%
EPS Next 5YN/A
Revenue Next Year0.97%
Revenue Next 2Y3.85%
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.
  • 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.
OZKAP Yearly Revenue VS EstimatesOZKAP 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
OZKAP Yearly EPS VS EstimatesOZKAP 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.72, the valuation of OZKAP can be described as very cheap.
  • OZKAP's Price/Earnings ratio is rather cheap when compared to the industry. OZKAP is cheaper than 99.21% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, OZKAP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.80, the valuation of OZKAP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, OZKAP is valued cheaper than 98.69% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, OZKAP is valued rather cheaply.
Industry RankSector Rank
PE 2.72
Fwd PE 2.8
OZKAP Price Earnings VS Forward Price EarningsOZKAP 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, OZKAP is valued cheaply inside the industry as 97.38% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.79
EV/EBITDA N/A
OZKAP Per share dataOZKAP 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)0.12
EPS Next 2Y2.88%
EPS Next 3Y5.37%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.64%, OZKAP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, OZKAP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, OZKAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.64%

5.2 History

  • On average, the dividend of OZKAP grows each year by 12.96%, which is quite nice.
  • OZKAP has been paying a dividend for over 5 years, so it has already some track record.
  • OZKAP has decreased its dividend recently.
Dividend Growth(5Y)12.96%
Div Incr Years0
Div Non Decr Years1
OZKAP Yearly Dividends per shareOZKAP Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 29.60% of the earnings are spent on dividend by OZKAP. This is a low number and sustainable payout ratio.
  • The dividend of OZKAP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.6%
EPS Next 2Y2.88%
EPS Next 3Y5.37%
OZKAP Yearly Income VS Free CF VS DividendOZKAP 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
OZKAP Dividend Payout.OZKAP Dividend Payout, showing the Payout Ratio.OZKAP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BANK OZK - OZK 4 5/8 PERP

NASDAQ:OZKAP (2/20/2026, 8:00:01 PM)

16.8

-0.08 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-14
Inst Owners96.8%
Inst Owner ChangeN/A
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap1.89B
Revenue(TTM)1.73B
Net Income(TTM)705.51M
Analysts69.23
Price Target18.45 (9.82%)
Short Float %0.01%
Short Ratio0.3
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend1.73
Dividend Growth(5Y)12.96%
DP29.6%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-02
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)-4.87%
PT rev (3m)-14.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)-2.73%
EPS NY rev (3m)-3.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 2.72
Fwd PE 2.8
P/S 1.11
P/FCF 2.79
P/OCF 2.41
P/B 0.31
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)6.17
EY36.73%
EPS(NY)6.01
Fwd EY35.75%
FCF(TTM)6.01
FCFY35.8%
OCF(TTM)6.97
OCFY41.48%
SpS15.09
BVpS54.1
TBVpS48.23
PEG (NY)N/A
PEG (5Y)0.12
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
WACC34.78%
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 Y-2.66%
EPS Next 2Y2.88%
EPS Next 3Y5.37%
EPS Next 5YN/A
Revenue 1Y (TTM)4.2%
Revenue growth 3Y11.2%
Revenue growth 5Y11.71%
Sales Q2Q%4.3%
Revenue Next Year0.97%
Revenue Next 2Y3.85%
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 4 5/8 PERP / OZKAP FAQ

What is the fundamental rating for OZKAP stock?

ChartMill assigns a fundamental rating of 4 / 10 to OZKAP.


What is the valuation status of BANK OZK - OZK 4 5/8 PERP (OZKAP) stock?

ChartMill assigns a valuation rating of 6 / 10 to BANK OZK - OZK 4 5/8 PERP (OZKAP). This can be considered as Fairly Valued.


How profitable is BANK OZK - OZK 4 5/8 PERP (OZKAP) stock?

BANK OZK - OZK 4 5/8 PERP (OZKAP) has a profitability rating of 4 / 10.


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

The Price/Earnings (PE) ratio for BANK OZK - OZK 4 5/8 PERP (OZKAP) is 2.72 and the Price/Book (PB) ratio is 0.31.


Can you provide the financial health for OZKAP stock?

The financial health rating of BANK OZK - OZK 4 5/8 PERP (OZKAP) is 4 / 10.