Bank Ozk (OZK)
NASDAQ:OZK
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Bank OZK
(NASDAQ:OZK)
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Rating:73Outperform
Price Target:
$52.00
â–²(6.71% Upside)
Action:Reiterated
Date:05/14/26
The score is driven mainly by solid financial quality (conservative balance sheet and steady ROE) and attractive valuation (low P/E with a ~3.9% yield). Offsetting factors include weaker recent revenue/cash-flow momentum, only modest technical strength, and earnings-call risks around RESG credit concentrations and elevated near-term expenses despite constructive NII/CIB growth drivers.
Positive Factors
Conservative balance sheet
Bank OZK's very low leverage and consistent 11%–13% ROE indicate a conservatively positioned balance sheet that supports resilience through credit cycles. This durable capital positioning underpins lending capacity, preserves flexibility for opportunistic growth, and helps absorb isolated RESG losses without immediate capital strain.
Negative Factors
RESG concentration risk
Concentration of stress in a handful of RESG credits creates a structural vulnerability: losses, OREO disposition timing, or sponsor support failures could materially affect asset quality, reserve needs and capital allocation. Such concentrated exposures raise medium-term volatility in credit costs and provisioning.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Bank OZK's very low leverage and consistent 11%–13% ROE indicate a conservatively positioned balance sheet that supports resilience through credit cycles. This durable capital positioning underpins lending capacity, preserves flexibility for opportunistic growth, and helps absorb isolated RESG losses without immediate capital strain.
Read all positive factors
Bank OZK (OZK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.46B
Dividend Yield3.68%
Average Volume (3M)1.11M
Price to Earnings (P/E)7.8
Beta (1Y)1.04
Revenue Growth0.67%
EPS Growth0.52%
CountryUS
Employees3,096
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.17
Shares Outstanding113,431,900
10 Day Avg. Volume921,564
30 Day Avg. Volume1,109,558
Financial Highlights & Ratios
PEG Ratio8.75
Price to Book (P/B)0.83
Price to Sales (P/S)1.81
P/FCF Ratio6.94
Enterprise Value/Market Cap0.80
Enterprise Value/Revenue1.56
Enterprise Value/Gross Profit2.80
Enterprise Value/Ebitda4.40
Forecast
1Y Price Target
$51.88Price Target Upside6.46% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)5.94
Revenue Forecast (FY)$1.75B
Bank OZK Business Overview & Revenue Model
Company Description
Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other a...
How the Company Makes Money
Bank OZK primarily earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by collecting interest on loans and other interest-earning assets (such as certain securities) and paying interest on fundi...
Bank OZK Earnings Call Summary
Earnings Call Date:Apr 21, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 16, 2026
Earnings Call Sentiment Positive
The call conveyed a constructive growth story led by a fast-expanding and increasingly diversified CIB franchise, supportive security purchases that should lift NII, disciplined deposit management and generally resilient credit in core portfolios. Counterbalancing that optimism are concentrated RESG stresses (notably five loans and ~$150M of OREO), modest increases in criticized/NPA balances, pricing pressure in specific loan sublines, and near-term expense build from the CIB ramp. On balance the company highlighted multiple concrete growth drivers and several manageable credit/operational challenges.Positive Updates
CIB Strong Growth and Diversification
Corporate & Institutional Banking (CIB) produced robust growth this quarter with nearly two dozen new relationships and upsized nearly a dozen legacy relationships; the franchise is diversified across ~42 industry niches, and CIB headcount expanded materially (discussed as rising from 18 to 97), positioning CIB as the primary growth engine into 2027.
Negative Updates
RESG Concentration of Stress
RESG continues to show headwinds in specific property types—land, office and life science—with five RESG loans accounting for the vast majority of past-due and nonaccrual balances; some additional classified asset inflows are expected as sponsors work through these credits.
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Q1-2026 Updates
Positive
Negative
CIB Strong Growth and Diversification
Corporate & Institutional Banking (CIB) produced robust growth this quarter with nearly two dozen new relationships and upsized nearly a dozen legacy relationships; the franchise is diversified across ~42 industry niches, and CIB headcount expanded materially (discussed as rising from 18 to 97), positioning CIB as the primary growth engine into 2027.
Read all positive updates
Company Guidance
Management gave targeted, metric‑driven guidance: they deployed excess liquidity into investments (≈40% muni housing bonds, 60% agency MBS) with muni tax‑equivalent yields ≈6% and agency MBS yields ≈4.6%, and guided a securities balance of roughly $460–$470 million for next quarter to help NII; reported NIM of about 4.20% and said the securities purchases should lift NII in Q1–Q2. Full‑year net charge‑off guidance is around 50 basis points, the efficiency ratio is expected to remain in the high‑30s (roughly 39% this year), average deposit balances are about $52,000 (supporting just under $2 billion of deposit growth over the last year), and CIB metrics include a 14–15% pull‑through on more mature businesses while management passes on ~80–85% of deals, with >97% of CIB relationships being direct/single‑lender and >95% of syndications having the bank in a leading role; indirect lending is ~13% of the portfolio (up from ~12%), and portfolio monitoring remains active (50% of RESG commitments appraised in the last 4 quarters, 92% in the last 8), with five RESG credits accounting for the bulk of past‑due/nonaccruals and management expecting a few additional but limited inflows to criticized/substandard categories as they work toward resolutions.Bank OZK Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.80B | 2.81B | 2.77B | 2.25B | 1.38B | 1.19B |
| Gross Profit | 1.56B | 1.56B | 1.48B | 1.40B | 1.17B | 1.18B |
| EBITDA | 992.96M | 934.27M | 1.02B | 930.80M | 777.05M | 796.05M |
| Net Income | 706.88M | 715.48M | 716.46M | 690.78M | 564.14M | 579.00M |
Balance Sheet | ||||||
| Total Assets | 41.66B | 40.79B | 38.26B | 34.24B | 27.66B | 26.53B |
| Cash, Cash Equivalents and Short-Term Investments | 1.70B | 0.00 | 3.35B | 5.39B | 4.53B | 5.97B |
| Total Debt | 813.88M | 463.58M | 883.04M | 1.27B | 1.08B | 1.23B |
| Total Liabilities | 35.51B | 34.66B | 32.55B | 29.10B | 22.97B | 21.69B |
| Stockholders Equity | 6.16B | 6.13B | 5.71B | 5.14B | 4.69B | 4.84B |
Cash Flow | ||||||
| Free Cash Flow | 701.44M | 731.73M | 738.85M | 852.41M | 735.09M | 494.28M |
| Operating Cash Flow | 807.92M | 837.73M | 834.47M | 881.55M | 764.95M | 528.20M |
| Investing Cash Flow | -2.95B | -2.34B | -3.25B | -5.53B | -2.43B | 140.21M |
| Financing Cash Flow | 1.46B | 1.56B | 3.05B | 5.77B | 644.92M | -1.01B |
Bank OZK Technical Analysis
Positive
48.73
Price Trends
46.75
Positive
46.99
Positive
47.17
Positive
Market Momentum
0.12
Positive
53.93
Neutral
80.94
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OZK, the sentiment is Positive. The current price of 48.73 is above the 20-day moving average (MA) of 47.87, above the 50-day MA of 46.75, and above the 200-day MA of 47.17, indicating a bullish trend. The MACD of 0.12 indicates Positive momentum. The RSI at 53.93 is Neutral, neither overbought nor oversold. The STOCH value of 80.94 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OZK.
Bank OZK Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $6.24B | 11.00 | 8.77% | 2.73% | 3.99% | 27.92% | |
73 Outperform | $5.46B | 7.77 | 11.63% | 3.68% | 0.67% | 0.52% | |
72 Outperform | $5.36B | 11.22 | 11.29% | 2.85% | 0.57% | 15.88% | |
71 Outperform | $6.20B | 17.68 | 6.83% | 2.89% | 18.22% | 14.79% | |
69 Neutral | $5.96B | 11.64 | 9.26% | 3.77% | 10.93% | 32.14% | |
69 Neutral | $7.51B | 10.41 | 8.49% | 3.69% | -0.22% | 62.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
OZK
Bank OZK
48.14
5.32
12.41%
FNB
F.N.B.
17.53
4.10
30.56%
GBCI
Glacier Bancorp
47.66
8.15
20.63%
HOMB
Home Bancshares
26.61
-0.65
-2.38%
UBSI
United Bankshares
43.26
8.64
24.96%
VLY
Valley National Bancorp
13.55
5.20
62.31%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.