First Financial Bankshares, Inc. (FFIN) vs Bank OZK (OZK)
First Financial Bankshares, Inc. and Bank OZK are both Banks Regional companies. Bank OZK is the larger, with a market value of $5.1B against $4.6B — 1.1× the size. Bank OZK trades at the lower P/E: 7.7× against 17.3×. First Financial Bankshares, Inc. grew revenue faster over the last twelve months: 9.46% against −0.40%. First Financial Bankshares, Inc. has the higher net margin (31.0% vs 24.4%) and the higher return on invested capital (14.5% vs 10.8%). Both pay a dividend; Bank OZK yields more (3.56% vs 2.39%). Across the 20 metrics below, Bank OZK leads on 11 and First Financial Bankshares, Inc. on 9.
Valuation
Profitability
| Metric | FFIN | OZK | Banks Regional median |
|---|---|---|---|
| Gross margin | 76.77% | 62.77% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 31.03% | 24.37% | 18.66% |
| Free cash flow margin | 37.76% | 27.52% | 21.18% |
| Return on equity | 14.41% | 11.72% | 10.64% |
| Return on assets | 1.81% | 1.62% | 1.13% |
| Return on invested capital | 14.47% | 10.80% | 8.33% |
Growth
Health
Dividend
Size
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