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Bank OZK (OZK) vs TFS Financial Corporation (TFSL)

Bank OZK and TFS Financial Corporation are both Banks Regional companies. Bank OZK and TFS Financial Corporation are of similar size ($5.0B and $4.6B). Bank OZK trades at the lower P/E: 7.6× against 45.4×. TFS Financial Corporation grew revenue faster over the last twelve months: 5.93% against −0.40%. Bank OZK has the higher net margin (24.4% vs 12.2%) and the higher return on invested capital (10.8% vs 1.12%). Both pay a dividend; TFS Financial Corporation yields more (7.12% vs 4.12%). Across the 19 metrics below, Bank OZK leads on 15 and TFS Financial Corporation on 4.

Valuation

Metric OZK TFSL Banks Regional median
P/E 7.60 45.44 11.98
P/S 1.84 5.52 2.34
P/B 0.86 2.33 1.19
Price to free cash flow 6.67 52.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.16% 2.20% 8.23%
Free cash flow yield 14.99% 1.89% 9.08%

Profitability

Metric OZK TFSL Banks Regional median
Gross margin 62.77% 41.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.37% 12.17% 18.66%
Free cash flow margin 27.52% 10.45% 21.11%
Return on equity 11.72% 5.23% 10.65%
Return on assets 1.62% 0.57% 1.13%
Return on invested capital 10.80% 1.12% 8.35%

Growth

Metric OZK TFSL Banks Regional median
Revenue growth (TTM) (0.40%) 5.93% 6.98%
EPS growth (last fiscal year) 0.65% 14.29% 18.88%
Revenue growth, 5-year CAGR 18.81% 9.26% 12.38%
Net income growth, 5-year CAGR 19.09% 1.83% 9.71%

Health

Metric OZK TFSL Banks Regional median
Debt to equity 0.07 2.97 0.22
Current ratio 0.97 1.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OZK TFSL Banks Regional median
Dividend yield 4.12% 7.12% 2.57%
Payout ratio 0.31 3.24 0.30

Size

Metric OZK TFSL Banks Regional median
Market cap 5.00b 4.58b 913.33m

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