BANK OZK (OZK) Stock Fundamental Analysis
NASDAQ:OZK - Nasdaq - US06417N1037 - Common Stock - Currency: USD
Taking everything into account, OZK scores 5 out of 10 in our fundamental rating. OZK was compared to 405 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
OZK had positive earnings in the past year.
In the past year OZK had a positive cash flow from operations.
In the past 5 years OZK has always been profitable.
OZK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of OZK (1.85%) is better than 94.47% of its industry peers.
The Return On Equity of OZK (12.39%) is better than 85.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.85% | ||
| ROE | 12.39% | ||
| ROIC | N/A |
ROA(3y)1.93%
ROA(5y)1.81%
ROE(3y)12.36%
ROE(5y)11.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 41.93%, OZK belongs to the best of the industry, outperforming 97.24% 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) | 41.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.93%
PM growth 5Y-0.33%
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 increased compared to 1 year ago.
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
OZK has a debt to FCF ratio of 0.77. This is a very positive value and a sign of high solvency as it would only need 0.77 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.77, OZK belongs to the best of the industry, outperforming 80.65% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that OZK is not too dependend on debt financing.
The Debt to Equity ratio of OZK (0.11) is better than 70.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.25%
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 been growing slightly by 4.60% over the past year.
Measured over the past years, OZK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.15% on average per year.
Looking at the last year, OZK shows a small growth in Revenue. The Revenue has grown by 6.15% in the last year.
OZK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
EPS 1Y (TTM)4.6%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%4%
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%5.01%
3.2 Future
OZK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.50% yearly.
Based on estimates for the next years, OZK will show a small growth in Revenue. The Revenue will grow by 3.17% on average per year.
EPS Next Y-2.67%
EPS Next 2Y5.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.12%
Revenue Next 2Y3.17%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.29, the valuation of OZK can be described as reasonable.
91.21% of the companies in the same industry are more expensive than OZK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.58. OZK is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.52, which indicates a very decent valuation of OZK.
86.93% of the companies in the same industry are more expensive than OZK, based on the Price/Forward Earnings ratio.
OZK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.47, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 8.52 |
4.2 Price Multiples
85.18% 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 | 7.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2Y5.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.30%. Purely for dividend investing, there may be better candidates out there.
OZK's Dividend Yield is a higher than the industry average which is at 3.19.
Compared to an average S&P500 Dividend Yield of 2.27, OZK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
5.2 History
The dividend of OZK is nicely growing with an annual growth rate of 14.38%!
OZK has been paying a dividend for at least 10 years, so it has a reliable track record.
OZK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.38%
Div Incr Years27
Div Non Decr Years27
5.3 Sustainability
OZK pays out 27.55% 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.
DP27.55%
EPS Next 2Y5.5%
EPS Next 3YN/A
BANK OZK
NASDAQ:OZK (1/24/2025, 8:00:02 PM)
After market: 50.2701 -0.66 (-1.3%)50.93
+0.06 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.09%
Inst Owner Change-0.08%
Ins Owners6.74%
Ins Owner ChangeN/A
Market Cap5.78B
Analysts52.5
Price Target52.91 (3.89%)
Short Float %13.83%
Short Ratio12.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend1.56
Dividend Growth(5Y)14.38%
DP27.55%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.59%
Min EPS beat(2)-0.82%
Max EPS beat(2)-0.36%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-0.82%
Max EPS beat(4)2.48%
EPS beat(8)6
Avg EPS beat(8)1.08%
EPS beat(12)9
Avg EPS beat(12)2.57%
EPS beat(16)13
Avg EPS beat(16)6.64%
Revenue beat(2)0
Avg Revenue beat(2)-0.79%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)-0.42%
Revenue beat(4)1
Avg Revenue beat(4)-0.55%
Min Revenue beat(4)-1.92%
Max Revenue beat(4)1.31%
Revenue beat(8)5
Avg Revenue beat(8)1.15%
Revenue beat(12)9
Avg Revenue beat(12)1.86%
Revenue beat(16)13
Avg Revenue beat(16)2.1%
PT rev (1m)3.75%
PT rev (3m)7.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)-0.59%
Revenue NY rev (3m)-2.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 8.52 | ||
| P/S | 3.49 | ||
| P/FCF | 7.18 | ||
| P/OCF | 6.54 | ||
| P/B | 1.03 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.14
EY12.06%
EPS(NY)5.98
Fwd EY11.73%
FCF(TTM)7.09
FCFY13.92%
OCF(TTM)7.78
OCFY15.28%
SpS14.57
BVpS49.3
TBVpS43.47
PEG (NY)N/A
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.85% | ||
| ROE | 12.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.93% | ||
| GM | N/A | ||
| FCFM | 48.65% |
ROA(3y)1.93%
ROA(5y)1.81%
ROE(3y)12.36%
ROE(5y)11.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.93%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.77 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 137.83% | ||
| Cap/Sales | 4.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.04% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC15.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.6%
EPS 3Y11.16%
EPS 5Y13.15%
EPS Q2Q%4%
EPS Next Y-2.67%
EPS Next 2Y5.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.15%
Revenue growth 3Y14.48%
Revenue growth 5Y10.83%
Sales Q2Q%5.01%
Revenue Next Year-0.12%
Revenue Next 2Y3.17%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.57%
OCF growth 3YN/A
OCF growth 5YN/A