OZK
NEUTRAL
$49.24
Live
Bank OZK · NASDAQ
Target $52.78
(+7.2%)
$40.46
52W Range
$53.66
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 21, 2026
Market cap
$5.51B
P/E
7.89
ROE
12.1%
Profit margin
46.0%
Debt/Equity
N/A
Dividend yield
3.7%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
Bank OZK presents a classic value trap profile: fundamentally cheap but lacking growth momentum. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a Graham Number of $85.82, suggesting significant defensive value, yet the intrinsic value of $43.68 and a bearish technical trend (0/100) indicate a lack of immediate catalyst. While the bank maintains a healthy ROA of 1.81% and trades below book value (P/B 0.94), negative earnings growth and recent earnings misses signal a transition period.
Key Strengths
Deep value valuation with P/E of 7.89 and P/B of 0.94
Strong profitability margins (Profit Margin 46%)
Healthy Return on Assets (ROA) of 1.81%
Highly sustainable dividend payout ratio of 28.16%
Strong long-term price performance (5Y Change +47.9%)
Key Risks
Negative earnings growth both YoY (-1.30%) and Q/Q (-3.40%)
High PEG ratio (2.76) indicating price is high relative to growth
Recent trend of missing earnings estimates (only 1 beat in last 4 quarters)
Bearish insider sentiment with CEO selling shares
Technical trend is currently rated as fully bearish (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$51.25
+4.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
60
Strong
85
30
75
50
60
AI Verdict
Undervalued but Stagnant
Key drivers: Low P/B ratio, Negative earnings growth, Strong ROA, Bearish insider activity
Confidence
85%
Value
85/100
Ref P/E 7.89, P/B 0.94, Graham Number $85.82
Positives
- P/E significantly below sector average
- Trading below book value
- Current price well below Graham Number
Watchpoints
- Intrinsic value formula suggests slight overvaluation at current price
Future
30/100
Ref Growth rates and Earnings Track Record
Positives
- Positive Q/Q revenue growth (6.87%)
Watchpoints
- Negative YoY earnings growth
- High PEG ratio
- Recent earnings misses
Past
75/100
Ref 5Y Change and 25-quarter earnings history
Positives
- Consistent long-term price appreciation
- Strong historical record of earnings beats prior to last year
Watchpoints
- Recent deterioration in earnings surprise percentage
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
60/100
Ref Yield 3.70%, Payout 28.16%
Positives
- Low payout ratio ensures safety
- Consistent yield of 3.70%
Watchpoints
- Low overall dividend strength score (35/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$49.24
Analyst Target
$52.78
Upside/Downside
+7.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for OZK and closest competitors.
Updated 2026-04-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
OZK
Bank OZK
Primary
|
+47.9% | +55.8% | +26.9% | +8.7% | +13.4% | +2.6% |
|
ABCB
Ameris Bancorp
Peer
|
+96.5% | +75.1% | +26.8% | +21.8% | +5.3% | +0.6% |
|
AUB
Atlantic Union Bankshares Corporation
Peer
|
+28.3% | +15.2% | +10.9% | +20.1% | +6.3% | +1.4% |
|
AVAL
Grupo Aval Acciones y Valores S.A.
Peer
|
-3.3% | +123.2% | +108.0% | +59.6% | +9.6% | +8.1% |
|
HWC
Hancock Whitney Corporation
Peer
|
+78.4% | +106.5% | +48.3% | +24.4% | +13.2% | +2.6% |
OZK
Bank OZK
Primary
5Y
+47.9%
3Y
+55.8%
1Y
+26.9%
6M
+8.7%
1M
+13.4%
1W
+2.6%
ABC
Ameris Bancorp
Peer
5Y
+96.5%
3Y
+75.1%
1Y
+26.8%
6M
+21.8%
1M
+5.3%
1W
+0.6%
AUB
Atlantic Union Bankshares Corporation
Peer
5Y
+28.3%
3Y
+15.2%
1Y
+10.9%
6M
+20.1%
1M
+6.3%
1W
+1.4%
AVA
Grupo Aval Acciones y Valores S.A.
Peer
5Y
-3.3%
3Y
+123.2%
1Y
+108.0%
6M
+59.6%
1M
+9.6%
1W
+8.1%
HWC
Hancock Whitney Corporation
Peer
5Y
+78.4%
3Y
+106.5%
1Y
+48.3%
6M
+24.4%
1M
+13.2%
1W
+2.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
7.89
Forward P/E
7.65
PEG Ratio
2.76
P/B Ratio
0.94
P/S Ratio
3.54
EV/Revenue
2.3
EV/EBITDA
N/A
Market Cap
$5.51B
Profitability
Profit margins and return metrics
Profit Margin
46.0%
Operating Margin
58.56%
Gross Margin
N/A
ROE
12.09%
ROA
1.81%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.0%
Earnings Growth
-1.3%
Q/Q Revenue Growth
+6.87%
Q/Q Earnings Growth
-3.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$25.67
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.4B
Net Margin
39.9%
Total Assets
$40.8B
Liabilities
$34.7B
Equity
$6.1B
Debt/Equity
5.65x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
85%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2026-01-20
$1.53
-1.3% surprise
2025-10-15
$1.59
-4.3% surprise
2025-07-17
$1.58
+3.4% surprise
Financial Services Sector Comparison
Comparing OZK against 579 companies in the Financial Services sector
(106 bullish, 239 neutral, 234 bearish)
P/E Ratio
7.89
This Stock
vs
41.68
Sector Avg
-81.1%
(Discount)
Return on Equity (ROE)
12.09%
This Stock
vs
-0.24%
Sector Avg
-5075.7%
(Below Avg)
Profit Margin
46.0%
This Stock
vs
47.47%
Sector Avg
-3.1%
(Weaker)
Revenue Growth
4.0%
This Stock
vs
39.3%
Sector Avg
-89.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
OZK
Bank OZK
|
NEUTRAL | $5.51B | 7.89 | 12.1% | 46.0% | $49.24 | |
|
ABCB
Ameris Bancorp
|
NEUTRAL | $5.52B | 14.34 | 10.3% | 35.2% | $80.44 | Compare |
|
AUB
Atlantic Union Bankshares...
|
NEUTRAL | $5.54B | 19.53 | 6.7% | 22.2% | $38.87 | Compare |
|
AVAL
Grupo Aval Acciones y Valores S.A.
|
BEARISH | $5.58B | 12.65 | 9.2% | 12.3% | $4.68 | Compare |
|
HWC
Hancock Whitney Corporation
|
BULLISH | $5.66B | 12.23 | 11.3% | 33.3% | $69.35 | Compare |
OZK
Bank OZK
NEUTRAL
Mkt Cap
$5.5B
P/E
7.9
ROE
12.1%
Price
$49.24
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-11 | ORNDORFF CHRISTOPHER N | Director | Purchase | 3,000 | $131,640 |
| 2026-03-11 | JASON CATHEY | Chief Technology Officer | Stock Award | 7,520 | - |
| 2026-03-10 | CARTER JOHN C | Officer | Stock Award | 11,816 | - |
| 2026-03-10 | WOLFE CYNTHIA | Chief Operating Officer | Stock Award | 4,316 | $192,062 |
| 2026-03-10 | HAMBLEN PASCHALL B | President | Stock Award | 52,232 | - |
| 2026-03-10 | THOMAS STANLEY L | Officer | Stock Award | 5,012 | - |
| 2026-03-10 | BROWN HELEN W | General Counsel | Stock Award | 12,891 | - |
| 2026-03-10 | GOTHAM TAMARA | Officer | Stock Award | 2,684 | - |
| 2026-03-10 | HICKS TIMOTHY D | Chief Financial Officer | Stock Award | 28,648 | - |
| 2026-02-17 | JACOB MUNN | Officer | Stock Award | 7,473 | - |
| 2026-02-17 | KERLEY OTTIE | Officer | Stock Award | 1,108 | - |
| 2026-01-23 | GLEASON GEORGE G II | Chief Executive Officer | Sale | 26,199 | $1,209,346 |
| 2026-01-23 | GLEASON GEORGE G II | Chief Executive Officer | Option Exercise | 31,993 | $1,012,898 |
ORNDORFF CHRISTOPHER N
Director
2026-03-11
3,000 shares
·
$131,640
JASON CATHEY
Chief Technology Officer
2026-03-11
7,520 shares
CARTER JOHN C
Officer
2026-03-10
11,816 shares
WOLFE CYNTHIA
Chief Operating Officer
2026-03-10
4,316 shares
·
$192,062
HAMBLEN PASCHALL B
President
2026-03-10
52,232 shares
THOMAS STANLEY L
Officer
2026-03-10
5,012 shares
BROWN HELEN W
General Counsel
2026-03-10
12,891 shares
GOTHAM TAMARA
Officer
2026-03-10
2,684 shares
HICKS TIMOTHY D
Chief Financial Officer
2026-03-10
28,648 shares
JACOB MUNN
Officer
2026-02-17
7,473 shares
KERLEY OTTIE
Officer
2026-02-17
1,108 shares
GLEASON GEORGE G II
Chief Executive Officer
2026-01-23
26,199 shares
·
$1,209,346
GLEASON GEORGE G II
Chief Executive Officer
2026-01-23
31,993 shares
·
$1,012,898
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
9 analysts
Wells Fargo
2026-03-30
Equal-Weight
Equal-Weight
Morgan Stanley
2026-03-02
Equal-Weight
Equal-Weight
TD Cowen
2026-01-22
Buy
Buy
Morgan Stanley
2026-01-22
Equal-Weight
Equal-Weight
Stephens & Co.
2026-01-22
Overweight
Overweight
Piper Sandler
2026-01-22
Overweight
Overweight
TD Cowen
2026-01-07
Buy
Buy
Morgan Stanley
2026-01-07
Equal-Weight
Equal-Weight
UBS
2025-10-28
Neutral
Neutral
Past News Coverage
Recent headlines mentioning OZK from our newsroom.
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