BANK OZK (OZK)
US06417N1037 - Common Stock
We assign a fundamental rating of 5 out of 10 to OZK. OZK was compared to 407 industry peers in the Banks industry. Both the profitability and the financial health of OZK get a neutral evaluation. Nothing too spectacular is happening here. OZK has a correct valuation and a medium growth rate. Finally OZK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OZK was profitable.
In the past year OZK had a positive cash flow from operations.
In the past 5 years OZK has always been profitable.
In the past 5 years OZK always reported a positive cash flow from operatings.
1.2 Ratios
OZK has a better Return On Assets (1.85%) than 94.81% of its industry peers.
OZK has a better Return On Equity (12.39%) than 85.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.85% | ||
| ROE | 12.39% | ||
| 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
OZK has a better Profit Margin (41.93%) than 97.04% 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) | 41.93% | ||
| 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.
OZK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of OZK is 0.77, which is an excellent value as it means it would take OZK, only 0.77 years of fcf income to pay off all of its debts.
OZK has a Debt to FCF ratio of 0.77. This is amongst the best in the industry. OZK outperforms 81.23% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that OZK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, OZK is in the better half of the industry, outperforming 71.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.88%
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 6.48% 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 12.76% on average per year.
The Revenue has grown by 9.17% 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)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
OZK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.20% yearly.
OZK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.76% yearly.
EPS Next Y3.75%
EPS Next 2Y0.9%
EPS Next 3Y5.2%
EPS Next 5YN/A
Revenue Next Year6.69%
Revenue Next 2Y3.54%
Revenue Next 3Y4.76%
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
With a Price/Earnings ratio of 7.30, the valuation of OZK can be described as very cheap.
OZK's Price/Earnings ratio is rather cheap when compared to the industry. OZK is cheaper than 92.84% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.29, OZK is valued rather cheaply.
A Price/Forward Earnings ratio of 7.43 indicates a rather cheap valuation of OZK.
Based on the Price/Forward Earnings ratio, OZK is valued cheaply inside the industry as 91.60% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, OZK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 7.43 |
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 88.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.26 | ||
| 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)1.95
PEG (5Y)0.57
EPS Next 2Y0.9%
EPS Next 3Y5.2%
5. Dividend
5.1 Amount
OZK has a Yearly Dividend Yield of 3.78%.
OZK's Dividend Yield is a higher than the industry average which is at 3.21.
Compared to an average S&P500 Dividend Yield of 2.36, OZK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
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 Years27
Div Non Decr Years27
5.3 Sustainability
27.55% 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.
DP27.55%
EPS Next 2Y0.9%
EPS Next 3Y5.2%
BANK OZK
NASDAQ:OZK (12/23/2024, 8:24:00 PM)
After market: 44.4 0 (0%)44.4
+0.57 (+1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.09%
Inst Owner Change4.17%
Ins Owners6.74%
Ins Owner ChangeN/A
Market Cap5.04B
Analysts52.5
Price Target51 (14.86%)
Short Float %14.09%
Short Ratio12.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
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)3.69%
PT rev (3m)2.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.97%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 7.43 | ||
| P/S | 3.05 | ||
| P/FCF | 6.26 | ||
| P/OCF | 5.7 | ||
| P/B | 0.9 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.08
EY13.69%
EPS(NY)5.98
Fwd EY13.46%
FCF(TTM)7.09
FCFY15.97%
OCF(TTM)7.78
OCFY17.53%
SpS14.57
BVpS49.3
TBVpS43.47
PEG (NY)1.95
PEG (5Y)0.57
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)2.04%
ROA(5y)1.8%
ROE(3y)12.26%
ROE(5y)10.77%
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 3Y13.69%
PM growth 5Y0.68%
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
WACC15.88%
ROIC/WACCN/A
Cap/Depr(3y)87.23%
Cap/Depr(5y)135.97%
Cap/Sales(3y)2.44%
Cap/Sales(5y)4.45%
Profit Quality(3y)115.33%
Profit Quality(5y)118.92%
High Growth Momentum
Growth
EPS 1Y (TTM)6.48%
EPS 3Y37.66%
EPS 5Y12.76%
EPS Q2Q%3.36%
EPS Next Y3.75%
EPS Next 2Y0.9%
EPS Next 3Y5.2%
EPS Next 5YN/A
Revenue 1Y (TTM)9.17%
Revenue growth 3Y16.29%
Revenue growth 5Y9.35%
Sales Q2Q%7.64%
Revenue Next Year6.69%
Revenue Next 2Y3.54%
Revenue Next 3Y4.76%
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 1Y13.34%
FCF growth 3Y19.28%
FCF growth 5Y6.63%
OCF growth 1Y18.73%
OCF growth 3Y16.89%
OCF growth 5Y4.56%