BANK OZK (OZK)
US06417N1037 - Common Stock
We assign a fundamental rating of 5 out of 10 to OZK. OZK was compared to 404 industry peers in the Banks industry. OZK has an average financial health and profitability rating. OZK has a correct valuation and a medium growth rate. OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OZK was profitable.
OZK had a positive operating cash flow in the past year.
In the past 5 years OZK has always been profitable.
OZK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OZK has a Return On Assets of 1.86%. This is amongst the best in the industry. OZK outperforms 94.51% of its industry peers.
OZK has a Return On Equity of 12.68%. This is amongst the best in the industry. OZK outperforms 84.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.86% | ||
| ROE | 12.68% | ||
| ROIC | N/A |
ROA(3y)2.04%
ROA(5y)1.8%
ROE(3y)12.26%
ROE(5y)10.77%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 42.25%, OZK belongs to the top of the industry, outperforming 97.51% of the companies in the same industry.
OZK's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for OZK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 42.25% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.69%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OZK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OZK has less shares outstanding
The number of shares outstanding for OZK has been reduced compared to 5 years ago.
Compared to 1 year ago, OZK has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OZK is 0.82, which is an excellent value as it means it would take OZK, only 0.82 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.82, OZK belongs to the top of the industry, outperforming 80.05% of the companies in the same industry.
OZK has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.12, OZK is doing good in the industry, outperforming 69.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OZK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.48%.
The Earnings Per Share has been growing by 12.76% on average over the past years. This is quite good.
The Revenue has grown by 9.17% in the past year. This is quite good.
Measured over the past years, OZK shows a quite strong growth in Revenue. The Revenue has been growing by 9.35% on average per year.
EPS 1Y (TTM)6.48%
EPS 3Y37.66%
EPS 5Y12.76%
EPS Q2Q%3.36%
Revenue 1Y (TTM)9.17%
Revenue growth 3Y16.29%
Revenue growth 5Y9.35%
Sales Q2Q%7.64%
3.2 Future
Based on estimates for the next years, OZK will show a small growth in Earnings Per Share. The EPS will grow by 5.24% on average per year.
Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.
EPS Next Y3.78%
EPS Next 2Y1%
EPS Next 3Y5.24%
EPS Next 5YN/A
Revenue Next Year6.69%
Revenue Next 2Y3.57%
Revenue Next 3Y4.58%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.95, which indicates a rather cheap valuation of OZK.
91.52% of the companies in the same industry are more expensive than OZK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.96, OZK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.07, the valuation of OZK can be described as reasonable.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 90.02% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of OZK to the average of the S&P500 Index (23.82), we can say OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 8.07 |
4.2 Price Multiples
87.03% of the companies in the same industry are more expensive than OZK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OZK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.11
PEG (5Y)0.62
EPS Next 2Y1%
EPS Next 3Y5.24%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.43%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, OZK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.23, OZK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
5.2 History
The dividend of OZK is nicely growing with an annual growth rate of 14.38%!
OZK has paid a dividend for at least 10 years, which is a reliable track record.
OZK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.38%
Div Incr Years26
Div Non Decr Years26
5.3 Sustainability
27.17% of the earnings are spent on dividend by OZK. This is a low number and sustainable payout ratio.
OZK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.17%
EPS Next 2Y1%
EPS Next 3Y5.24%
BANK OZK
NASDAQ:OZK (11/21/2024, 8:00:02 PM)
After market: 48.35 0 (0%)48.35
+0.66 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.49B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 8.07 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)2.11
PEG (5Y)0.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.86% | ||
| ROE | 12.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 42.25% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)6.48%
EPS 3Y37.66%
EPS 5Y
EPS Q2Q%
EPS Next Y3.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.17%
Revenue growth 3Y16.29%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y