BANK OZK (OZK)
US06417N1037 - Common Stock
OZK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. OZK has an average financial health and profitability rating. OZK scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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 94.78% of its industry peers.
OZK has a Return On Equity of 12.68%. This is amongst the best in the industry. OZK outperforms 84.58% 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
The Profit Margin of OZK (42.25%) is better than 97.26% of its industry peers.
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.
The number of shares outstanding for OZK has been reduced compared to 1 year ago.
OZK has less shares outstanding than it did 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.
OZK has a Debt to FCF ratio of 0.82. This is in the better half of the industry: OZK outperforms 79.35% of its industry peers.
OZK has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
OZK's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. OZK outperforms 70.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.77% over the past year.
OZK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.76% yearly.
The Revenue has grown by 12.32% in the past year. This is quite good.
OZK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.35% yearly.
EPS 1Y (TTM)13.77%
EPS 3Y37.66%
EPS 5Y12.76%
EPS Q2Q%4.08%
Revenue 1Y (TTM)12.32%
Revenue growth 3Y16.29%
Revenue growth 5Y9.35%
Sales Q2Q%7.19%
3.2 Future
OZK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.48% yearly.
The Revenue is expected to grow by 5.89% on average over the next years.
EPS Next Y3.89%
EPS Next 2Y3.44%
EPS Next 3Y8.48%
EPS Next 5YN/A
Revenue Next Year7.71%
Revenue Next 2Y5.06%
Revenue Next 3Y5.89%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
Based on the Price/Earnings ratio of 6.98, the valuation of OZK can be described as very cheap.
Based on the Price/Earnings ratio, OZK is valued cheaper than 93.53% of the companies in the same industry.
OZK is valuated cheaply when we compare the Price/Earnings ratio to 30.52, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.71 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 92.79% of the companies are valued more expensively.
OZK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | 6.71 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OZK indicates a rather cheap valuation: OZK is cheaper than 88.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OZK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.79
PEG (5Y)0.55
EPS Next 2Y3.44%
EPS Next 3Y8.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.01%, OZK is a good candidate for dividend investing.
OZK's Dividend Yield is a higher than the industry average which is at 3.41.
Compared to an average S&P500 Dividend Yield of 2.26, OZK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
5.2 History
On average, the dividend of OZK grows each year by 14.38%, which is quite nice.
OZK has been paying a dividend for at least 10 years, so it has 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
OZK pays out 27.17% of its income as dividend. This is a sustainable payout ratio.
The dividend of OZK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.17%
EPS Next 2Y3.44%
EPS Next 3Y8.48%
BANK OZK
NASDAQ:OZK (9/16/2024, 2:28:52 PM)
42.11
+0.54 (+1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.78B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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)
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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)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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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 | 6.98 | ||
| Fwd PE | 6.71 | ||
| 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)1.79
PEG (5Y)0.55
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)13.77%
EPS 3Y37.66%
EPS 5Y
EPS Q2Q%
EPS Next Y3.89%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.32%
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