Bank OZK (OZK)
Fair ValueFundamental
82
Price
$50.61
Market Cap
$5.24B
Part 1 · What the company is worth
Overview
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 19, 2026, shared with all users
Competes head-on for large commercial real-estate and construction loans in the same New York, Florida and Southeast markets where Bank OZK's Real Estate Specialties Group originates.
The other large Arkansas-based commercial bank, competing for the same retail deposits and middle-market business lending across Arkansas, Tennessee and Texas.
Arkansas-headquartered regional bank of similar size chasing the same commercial-real-estate borrowers and core deposits across Arkansas, Florida, Texas and New York.
A comparably CRE-concentrated regional lender bidding for the same multifamily and commercial property loans in New York and other major metros.
Southeastern regional bank of similar scale competing for the same commercial real-estate developers and business customers in Georgia, Florida and the Carolinas.
Non-bank lender writing the same construction and bridge loans to multifamily and commercial developers that Bank OZK's Real Estate Specialties Group targets.
Balance Sheet & Liquidity
Revenue
$1.74B
Trailing 12 months (through 6/30/2026)
Net Income
$691M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$732M
Total Equity
$6.13B
Total Liabilities
$34.66B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$56.85
Current Price
$50.61
Margin of Safety
+11.0%
Fair Value Range
$43.43 - $70.27
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
7.76
ROE
11.7%
P/B Ratio
0.87
P/FCF
7.25
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.8%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- EPS CAGR 10.86%
- P/FCF 7.25
- P/B ratio 0.87
- Positive free cash flow
- CapEx intensity
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 11.2%
- Revenue growth 5Y 6.3%
- PEG ratio 0.33
- Earnings quality (operating cash flow / net income) 1.17
- Share dilution -0.8%
- Piotroski F-Score 5/9
Failed (4)
- Price CAGR -1.31%
- Debt/equity ratio
- Earnings surprise, average 0.5%
- Net margin trend 41.4% vs 43.2%
Unavailable (9)
- ROIC –
- Gross margin –
- Dividend payout –
- Operating margin –
- Current ratio
- Interest coverage
- Debt/EBITDA
- Return on tangible assets
- Low reliance on intangibles
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. George G. Gleason II | Chairman & CEO | 71 |
| Mr. Paschall Brannon Hamblen | President | 59 |
| Mr. Tim Hicks CPA | Chief Financial Officer | 52 |
| Ms. Cynthia Wolfe | Chief Operating Officer | 59 |
| Mr. John Carter | Chief Credit Officer | 44 |
| Mr. Stan Thomas | Chief Accounting Officer | 53 |
| Mr. Jason Cathey | Chief Information Officer | 43 |
| Ms. Tamara Gotham | Chief Administrative Officer | 41 |
| Ms. Helen Woodyard Brown J.D. | General Counsel & Corporate Secretary | 47 |
| Ms. Candace Graham | Executive VP & Director of Corporate Communication | - |
Audit Risk
1
Board Risk
5
Compensation Risk
1
Shareholder Rights Risk
3
Documents
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much OZK moves, measured on its daily prices.
More volatile than 21% of the tracked stocks (90-day volatility).
- Volatility 30d
- 29.4%
- Volatility 90d
- 25.1%
- Beta vs S&P 500 (1y)
- 0.53Correlation 0.29
- Max drawdown (12m)
- -18.0%
- ATR (14d, % of price)
- 2.40%
Earnings reactions
How OZK moved around its past quarterly results.
Next earnings release
Jan 19, 2027 · In 87 days · Time not known
EPS estimate: 1.47Revenue estimate: $444M
What usually happens
- Not enough releases with data yet: we have 0, we need at least 4.
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on OZK and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for OZK.
- 4/22/2026NEUTRALBank OZK Q1 2026 Earnings Call Transcript
Bank OZK is scheduled to hold its Q1 2026 Earnings Call on April 22, 2026, at 1:55 PM UTC. While the specific financial results are not detailed in this announcement, the call itself is a standard corporate event for investors to gain insights into the bank's performance, strategic initiatives, and future outlook. Investors will be looking for updates on net interest margin, loan growth, deposit trends, and asset quality. The outcome of this call will likely influence investor sentiment and the bank's stock performance.