Bank OZK OZK
- Market cap
- $5.1B
- P/E
- 7.7×
Follow OZK
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 33.51 | 40.15 | 21.02 | 22.32 | 14.20 | 30.78 | 34.79 | 30.72 | 37.43 | 35.71 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 54.92 | 56.86 | 53.70 | 34.34 | 31.70 | 48.16 | 51.39 | 52.36 | 51.50 | 53.66 |
High Price
|
|||
| 2,315 | 2,400 | 2,563 | 2,774 | 2,652 | 2,542 | 2,646 | 2,744 | 3,028 | 2,744 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 765 | 1,056 | 1,209 | 1,270 | 1,185 | 1,187 | 1,381 | 2,251 | 2,774 | 2,806 |
Revenue
|
|||
| 92.02% | 89.10% | 82.68% | 78.08% | 83.79% | 93.13% | 91.03% | 69.40% | 59.77% | 61.58% |
Gross Margin
|
|||
| 424 | 581 | 554 | 564 | 376 | 753 | 722 | 867 | 931 | 934 |
EBT
|
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| 55.47% | 54.95% | 45.84% | 44.43% | 31.73% | 63.44% | 52.26% | 38.52% | 33.57% | 33.30% |
EBT Margin
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| 270 | 422 | 417 | 426 | 292 | 579 | 564 | 691 | 717 | 715 |
Net Income
|
|||
| 32 | (29) | 58 | 60 | 75 | 103 | 88 | 84 | 104 | 126 |
Depreciation
|
|||
| 7.33 | 8.42 | 9.40 | 9.85 | 9.17 | 9.20 | 11.48 | 19.66 | 24.41 | 24.88 |
Revenue/Sh
|
|||
| 2.59 | 3.36 | 3.24 | 3.30 | 2.26 | 4.49 | 4.55 | 5.88 | 6.16 | 6.20 |
Earnings/Sh
|
|||
| 2.32 | 3.06 | 5.48 | 3.29 | 4.27 | 4.09 | 6.36 | 7.70 | 7.34 | 7.43 |
Cash Flow/Sh
|
|||
| (0.43) | (0.31) | (0.67) | (0.77) | (0.38) | (0.26) | (0.25) | (0.25) | (0.84) | (0.94) |
Capex/Sh
|
|||
| 1.88 | 2.75 | 4.81 | 2.53 | 3.88 | 3.83 | 6.11 | 7.45 | 6.50 | 6.49 |
Free CF/Sh
|
|||
| 26.77 | 27.61 | 29.34 | 32.22 | 33.06 | 37.50 | 39.00 | 44.91 | 50.22 | 54.36 |
Book Value/Sh
|
|||
| 104 | 125 | 129 | 129 | 129 | 129 | 120 | 114 | 114 | 113 |
Shares
|
|||
| 20.75 | 14.44 | 7.05 | 9.22 | 13.90 | 10.36 | 8.62 | 8.43 | 7.22 | 7.41 |
PE Ratio
|
|||
| 7.22 | 5.75 | 2.43 | 3.10 | 3.41 | 5.06 | 3.42 | 2.53 | 1.82 | 1.85 |
PS Ratio
|
|||
| 1.98 | 1.75 | 0.78 | 0.95 | 0.95 | 1.33 | 1.09 | 1.19 | 0.94 | 0.90 |
PB Ratio
|
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| 6.59 | 5.67 | 2.55 | 2.47 | 2.32 | 4.35 | 3.45 | 2.14 | 1.14 | 1.00 |
EV/Sales
|
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| 25.62 | 17.35 | 4.99 | 9.61 | 5.47 | 10.44 | 6.48 | 5.65 | 4.28 | 3.85 |
EV/FCF
|
|||
| 242 | 384 | 705 | 425 | 552 | 528 | 765 | 882 | 834 | 838 |
Op' Cash Flow
|
|||
| (45) | (39) | (87) | (99) | (50) | (34) | (30) | (29) | (96) | (106) |
Capex
|
|||
| 197 | 346 | 619 | 326 | 502 | 494 | 735 | 852 | 739 | 732 |
FCF
|
|||
| (308) | (994) | (787) | 287 | (315) | (154) | 3 | 778 | 943 | 811 |
Working Cap'
|
|||
| 383 | 364 | 439 | 695 | 1,095 | 1,223 | 1,075 | 1,275 | 883 | 464 |
Total Debt
|
|||
| (484) | (76) | 149 | (801) | (1,298) | (845) | 33 | (875) | (1,898) | (2,370) |
Net Debt
|
|||
| 2,795 | 3,464 | 3,773 | 4,153 | 4,275 | 4,839 | 4,691 | 5,140 | 5,706 | 6,130 |
Sh' Equity
|
|||
| 1.88% | 2.10% | 1.91% | 1.85% | 1.15% | 2.16% | 2.02% | 2.18% | 1.93% | 1.77% |
ROA
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| 11.48% | 10.71% | 8.83% | 10.52% | 7.90% | 11.78% | 9.55% | 12.70% | 15.28% | 15.53% |
ROIC
|
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| 12.67% | 13.48% | 11.53% | 10.75% | 6.93% | 13.20% | 12.37% | 14.74% | 13.77% | 12.53% |
ROE
|
|||
Bank OZK peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FLG Flagstar Bank, National Association | $5.1B | 414× | Compare |
| AX AXOS FINANCIAL, INC | $5.0B | 10.3× | Compare |
| GGAL Grupo Financiero Galicia S.A. | $5.3B | 19.6× | Compare |
| EBC Eastern Bankshares, Inc. | $4.9B | 12.2× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ABCB Ameris Bancorp | $5.5B | 14.8× | Compare |
| ASB Associated Banc-Corp | $5.5B | 10.2× | Compare |
| AUB Atlantic Union Bankshares Corporation | $5.5B | 11.6× | Compare |
| TFSL TFS Financial Corporation | $4.7B | 46.4× | Compare |
Bank OZK (OZK) key facts
- Bank OZK (OZK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Bank OZK’s revenue for fiscal 2025 (year ended December 2025) was $2.8 billion, up 1.15% from fiscal 2024.
- Net income was $715.5 million, or $6.20 per share (basic), a net margin of 24.9%.
- As of September 25, 2026, OZK traded at $46.89, a market capitalization of $5.1 billion.
- At that price the stock trades at 7.7× trailing-twelve-month earnings and 1.9× sales.
- Bank OZK pays an annual dividend of $1.48 per share, a yield of 3.56%, with a payout ratio of 25.3%.
- Return on equity was 12.5% and debt-to-equity 0.07.
Bank OZK (OZK) Latest News
24 Jul
Bank OZK reduces real estate exposure while peers increase lending in the sector. Bank OZK's reduction in real estate exposure signals a strategic shift likely to moderately influence its risk profile and performance versus peers.
22 Jul
Bank OZK reported strong Commercial and Industrial Banking growth in its Q2 2026 earnings call while executing strategic share buybacks. Earnings highlights on CIB growth and buybacks signal moderate positive effects on near-term performance and sentiment without major strategic shifts.
Bank OZK held its Q2 earnings call, covering quarterly financial results, loan growth, net interest margin, credit quality metrics, and management outlook on deposit trends and expansion plans. Q2 results and forward guidance can move near-term stock sentiment and valuation but rarely alter the bank's long-term trajectory.
Bank OZK Q2 2026 earnings call covered quarterly financial results, loan growth, net interest margin trends, credit quality metrics, and management guidance on future performance. Quarterly earnings updates supply fresh financial data that can shift near-term sentiment without altering the bank's long-term trajectory.
21 Jul
Bank OZK announced its second quarter 2026 earnings results. Quarterly earnings releases deliver core financial metrics that can shift near-term stock valuation and sentiment.
30 Jun
Bank OZK launches $200 million share repurchase program to reward shareholders. $200 million buyback signals management confidence and offers moderate near-term support to shares without altering long-term strategy.
29 Jun
Bank OZK announces $200 million stock repurchase program. $200 million buyback signals capital return to shareholders and can lift near-term stock price support.
15 Jun
Bank OZK is positioned as a financial bellwether funding a breakout with potential strong growth implications for its operations and market standing. Bank OZK breakout as bellwether indicates major strategic moves likely to significantly alter trajectory and investor sentiment.
23 Apr
Bank OZK Q1 earnings call highlights key financial results, loan growth, deposit increases, net interest margin stability, and optimistic outlook amid economic conditions. Q1 earnings highlights disclose financial metrics and guidance significantly shaping investor expectations and stock performance.
Bank OZK's Q1 2026 earnings call highlights strategic growth amidst competitive challenges. Strategic growth in Q1 2026 earnings call despite competitive challenges indicates significant positive trajectory shift for future performance and investor sentiment.
22 Apr
Bank OZK released the Q1 2026 earnings call transcript detailing financial results, performance highlights, and forward guidance. Quarterly earnings transcripts disclose key financial metrics and strategic outlook, significantly shaping investor expectations and stock trajectory.
Bank OZK's Q1 2026 earnings call summary covers quarterly financial results, strategic updates, and forward-looking guidance for the regional bank. Quarterly earnings call summaries reveal financial health, loan growth, and deposit trends that significantly shape investor expectations and stock performance.
Bank OZK's Q1 earnings missed estimates, with expenses and provisions rising year-over-year. Earnings miss due to higher expenses and provisions moderately impacts financial performance and market sentiment.
21 Apr
Bank OZK (OZK) reported Q1 earnings, highlighting key metrics on financial performance. Q1 earnings reports significantly impact Bank OZK's stock price and investor perceptions of future growth.
Bank OZK announced first quarter 2026 earnings. Quarterly earnings announcements provide critical financial data that significantly influences stock performance and investor outlook.
Bank OZK missed Q1 earnings per share estimates at $1.25 versus $1.48 expected and revenue of $368.7 million against $396.4 million forecast. Q1 earnings and revenue misses highlight weaker financial performance, likely causing short-term market pressure but not fundamentally altering long-term trajectory.
Bank OZK (OZK) is well-positioned to tackle near-term risks. Bank OZK's strong positioning against near-term risks is expected to moderately influence financial performance and investor sentiment.
14 Apr
Analysts forecast Bank OZK to report declining earnings in upcoming results, urging focus on key metrics amid potential challenges. Forecasted earnings decline signals moderate pressure on financial performance and stock sentiment.
1 Apr
Bank OZK increases its quarterly common stock dividend and announces a preferred stock dividend. Dividend increase signals financial strength and enhances investor confidence, likely boosting stock performance.
3 Mar
Bank OZK's strong capital base prompts questions on sustaining returns amid solid fundamentals and strategic positioning. Robust capital supports returns but sustainability faces scrutiny from market dynamics.
1 Mar
Bank OZK (OZK) stock pricing faces scrutiny for potentially failing to account for recent regional banking sector volatility. Regional banking volatility moderately influences OZK's financial performance and investor sentiment.
9 Feb
Bank OZK is highlighted for its investment strategy focusing on yield, particularly through its acquisition of Dime Community Bancshares (DCOM), which is expected to enhance its dividend offerings and overall financial performance. The acquisition of Dime Community Bancshares is a significant strategic move that could enhance Bank OZK's market position and investor sentiment.
5 Feb
Bank OZK (OZK) experienced a decline in stock value due to a lukewarm yearly outlook, which raised concerns among investors about the bank's future performance. The outlook suggests potential challenges ahead, impacting market sentiment and confidence in the bank's growth trajectory. The tepid yearly outlook may moderately influence investor sentiment and financial performance.
3 Feb
Bank OZK is highlighted as a top dividend stock for February 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The bank's consistent dividend payments and growth potential make it an attractive option for income-focused investors. Analysts emphasize the importance of evaluating dividend sustainability and overall market conditions when considering investments in dividend stocks. The focus on Bank OZK as a dividend stock indicates a moderately noticeable influence on its market performance and investor sentiment.
30 Jan
Bank OZK reported a 3.3% increase in stock value following its Q4 earnings release, which exceeded expectations due to higher net interest income (NII) and increased fee income. The positive financial results indicate strong operational performance and may enhance investor confidence in the bank's future prospects. Higher net interest income and fee income are significant indicators of improved financial health and operational efficiency.
23 Jan
Bank OZK's recent share performance has been mixed, prompting an assessment of its valuation. Analysts are evaluating the bank's financial health and market position in light of recent developments. The bank's strategies and market conditions are under scrutiny as investors seek clarity on future performance. Mixed short-term share performance may affect investor sentiment and financial performance.
22 Jan
Bank OZK reported its Q4 2025 earnings, highlighting strong financial performance driven by increased loan demand and effective cost management. The bank's net income rose significantly compared to the previous quarter, with improvements in asset quality and a stable capital position. Management provided an optimistic outlook for 2026, emphasizing continued growth strategies and potential expansion into new markets. Key metrics such as return on equity and net interest margin showed positive trends, reinforcing investor confidence. Strong financial performance and strategic growth plans indicate significant potential impact on future performance.
Bank OZK reported its Q1 2025 earnings, showcasing strong financial performance with significant growth in net income and assets. The bank highlighted its strategic initiatives, including expansion into new markets and enhanced digital banking services. Management expressed confidence in maintaining momentum and addressing potential economic challenges. Overall, the earnings call reflected a positive outlook for the bank's future operations and profitability. Strong financial performance and strategic initiatives indicate significant potential for future growth and market positioning.
Bank OZK reported its Q2 2025 earnings, highlighting a significant increase in net income and improved loan growth. The bank's focus on strategic lending and cost management contributed to its strong performance. Management expressed optimism about future growth prospects and plans to expand its market presence. Additionally, the bank's asset quality remained stable, with low levels of non-performing loans. Overall, the earnings call reflected a positive outlook for Bank OZK amidst a competitive banking environment. Strong earnings growth and strategic plans indicate significant potential for future performance.
Bank OZK reported its Q3 2025 earnings, highlighting a strong performance driven by increased loan demand and improved asset quality. The bank's net income rose significantly compared to the previous year, supported by strategic growth initiatives and effective cost management. Management expressed optimism about future growth prospects and outlined plans for expanding its market presence. Key metrics showed positive trends, including a rise in deposits and a stable net interest margin, indicating a solid financial foundation moving forward. Strong earnings growth and strategic initiatives indicate significant future impact on performance.