Bank OZK (OZK)
Fair ValueFundamental
82
Price
$45.96
Market Cap
$5.01B
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.
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Direct competitors
Who this company fights with for the same customers
Generated on September 19, 2026 with claude-haiku-4-5 — 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
$57.01
Current Price
$45.96
Margin of Safety
+19.4%
Fair Value Range
$43.54 - $70.49
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
7.41
ROE
11.7%
P/B Ratio
0.83
P/FCF
6.93
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.5%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- EPS CAGR 10.86%
- P/FCF 6.93
- P/B Ratio 0.83
- Positive Free Cash Flow
- CapEx intensity
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 11.2%
- Revenue Growth 5Y 6.3%
- PEG Ratio 0.32
- Earnings Quality (OCF/NI) 1.17
- Share Dilution -0.8%
- Piotroski F-Score 5/9
Failed (5)
- Price CAGR -1.31%
- Debt/Equity ratio
- Analyst Consensus 43% Buy
- Earnings Surprise avg -1.8%
- Net Margin Trend 41.4% vs 43.2%
Unavailable (9)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- 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
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for OZK, sourced from Markets Gazette.
- 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.
via Markets Gazette