16.7 USD
+0.04 (+0.24%)
At close: Jan 30, 2026
16.95 USD
+0.25 (+1.5%)
After Hours: 1/23/2026, 8:00:02 PM
Taking everything into account, OZKAP scores 4 out of 10 in our fundamental rating. OZKAP was compared to 383 industry peers in the Banks industry. OZKAP has an average financial health and profitability rating. OZKAP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- OZKAP had positive earnings in the past year.
- 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.
1.2 Ratios
- The Return On Assets of OZKAP (1.70%) is better than 92.95% of its industry peers.
- OZKAP's Return On Equity of 11.58% is fine compared to the rest of the industry. OZKAP outperforms 79.11% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With an excellent Profit Margin value of 41.51%, OZKAP belongs to the best of the industry, outperforming 96.08% of the companies in the same industry.
- OZKAP's Profit Margin has improved in the last couple of years.
- OZKAP 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) | 41.51% | ||
| 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
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.
- Compared to 5 years ago, OZKAP has less shares outstanding
- Compared to 1 year ago, OZKAP has an improved debt to assets ratio.
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.
- OZKAP 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 OZKAP is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.08, OZKAP is doing good in the industry, outperforming 74.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC35.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 0.49% 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, OZKAP shows a small growth in Revenue. The Revenue has grown by 4.20% in the last year.
- OZKAP 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, OZKAP will show a small growth in Earnings Per Share. The EPS will grow by 3.40% on average per year.
- The Revenue is expected to grow by 5.29% on average over the next years.
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- OZKAP is valuated cheaply with a Price/Earnings ratio of 2.71.
- Based on the Price/Earnings ratio, OZKAP is valued cheaply inside the industry as 99.22% of the companies are valued more expensively.
- OZKAP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- With a Price/Forward Earnings ratio of 2.70, the valuation of OZKAP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, OZKAP is valued cheaper than 98.96% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of OZKAP to the average of the S&P500 Index (25.72), we can say OZKAP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.71 | ||
| Fwd PE | 2.7 |
4.2 Price Multiples
- 97.13% of the companies in the same industry are more expensive than OZKAP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OZKAP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)35.26
PEG (5Y)0.12
EPS Next 2Y3.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- OZKAP has a Yearly Dividend Yield of 3.83%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.65, OZKAP pays a better dividend. On top of this OZKAP pays more dividend than 81.20% of the companies listed in the same industry.
- OZKAP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
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.
- The dividend of OZKAP decreased recently.
Dividend Growth(5Y)12.96%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- OZKAP pays out 29.60% of its income as dividend. This is a 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 2Y3.4%
EPS Next 3YN/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 2.71 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.