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Bank OZK (OZK) vs United Bankshares, Inc. (UBSI)

Bank OZK and United Bankshares, Inc. are both Banks Regional companies. United Bankshares, Inc. is the larger, with a market value of $6.6B against $5.6B — 1.2× the size. Bank OZK trades at the lower P/E: 8.6× against 13.1×. United Bankshares, Inc. grew revenue faster over the last twelve months: 3.71% against −2.26%. United Bankshares, Inc. has the higher net margin (28.0% vs 24.1%) and the higher return on invested capital (9.89% vs 8.73%). Both pay a dividend; Bank OZK yields more (3.71% vs 3.14%). Across the 18 metrics below, Bank OZK leads on 12 and United Bankshares, Inc. on 6.

Valuation

Metric OZK UBSI Banks Regional median
P/E 8.57 13.10 12.02
P/S 2.05 3.61 2.36
P/B 0.96 1.22 1.23
Price to free cash flow 7.35 12.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.67% 7.63% 8.21%
Free cash flow yield 13.60% 8.28% 9.23%

Profitability

Metric OZK UBSI Banks Regional median
Gross margin 63.22% 70.16% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.10% 28.02% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 11.40% 9.45% 10.28%
Return on assets 1.55% 1.52% 1.13%
Return on invested capital 8.73% 9.89% 8.45%

Growth

Metric OZK UBSI Banks Regional median
Revenue growth (TTM) (2.26%) 3.71% 6.37%
EPS growth (last fiscal year) 0.65% 18.91% 18.85%
Revenue growth, 5-year CAGR 18.81% 9.57% 12.65%
Net income growth, 5-year CAGR 19.09% 9.96% 9.81%

Health

Metric OZK UBSI Banks Regional median
Debt to equity 0.20 0.10 0.17
Current ratio 0.98 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OZK UBSI Banks Regional median
Dividend yield 3.71% 3.14% 2.49%
Payout ratio 0.32 0.41 0.29

Size

Metric OZK UBSI Banks Regional median
Market cap 5.58b 6.59b 934.85m

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