Bank OZK
OZK · Price history
Price at last available close
$50.51
+$4.31 (+9.33%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Bank OZK
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings encompass a wide array of account types, such as demand deposit accounts (both interest and non-interest-bearing), business sweep, savings, money market, and individual retirement accounts, alongside various time deposit options. Beyond deposits, Bank OZK extends diverse lending solutions.
How they make money
Bank OZK operates as a regional bank that generates revenue primarily through net interest income earned on loans and investment securities, supplemented by non-interest income from service charges, trust services, and other banking fees. The bank utilizes a business model focused on specialized lending, including Real Estate Specialty Group (RESG) financing, alongside traditional retail and commercial banking services across multiple states.
Products & services
Provides deposit accounts, commercial and retail loans, real estate financing, equipment and agricultural lending, indirect recreational vehicle and marine financing, and business aviation and subscription financing services.
Brands & revenue mix
The primary brand under which all banking and financial services are conducted.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Third-party technology and service vendors — Providers of technology, data processing, and operational support services.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
63
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
59
Fair
Financial Strength
37
Business Quality / Moat
77
Management
87
Growth Quality
29
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
76
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
69/100
Building Historical Record
Model Score 69/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for OZK
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving OZK's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is OZK's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is OZK likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is OZK's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
63
Opportunity Score
76
Market Cap
$5.51B
P/E Ratio
7.5
EPS
$6.06
52-Week High
$53.39
52-Week Low
$42.37
Beta
0.91
Intrinsic Value
$233.31
Analyst Target
$56.00
Shares Outstanding
112.1M
Total Revenue
$2.77B
Total Debt
$668.2M
Dividend Yield (TTM)
3.76%
Liquidation Value / Share
$56.02
Dividend / Share (TTM)
$1.90
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for OZK
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on OZK.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Specialized lending expertise through the Real Estate Specialty Group (RESG).
- +Diversified loan portfolio across multiple geographic markets.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Technology and cybersecurity risk.
- −Third-party vendor risk.
- −Model and data risk.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
63
Oct 16, 2026
Change
Unchanged
Current Score
63
Oct 20, 2026
Category Changes
OZK score was unchanged.
Projected Score
Projected Score
63
Projected Change
0.0 points
Preliminary comparable-period financial changes suggest little change. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $6.06 · Growth assumption: 11.7% · Earnings multiplier: 31.8×.
Current Price
$50.51
Model Intrinsic Value
$233.31
Difference
−$182.80
-78.4% vs IV
Margin of Safety
78.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.77B | $2.81B | $2.77B | $2.25B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.22B | $1.25B | $1.29B | $854.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.55B | $1.56B | $1.48B | $1.40B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $402.9M | $389.2M | $342.2M | $305.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $656.1M | $621.1M | $551.3M | $529.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $999.5M | $1.06B | $1.02B | $930.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $896.1M | $934.3M | $931.3M | $867.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $1.03B | $1.08B | $1.12B | $688.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $896.1M | $934.3M | $931.3M | $867.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $204.9M | $218.8M | $214.8M | $176.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $691.3M | $715.5M | $716.5M | $690.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $6.06 | $6.21 | $6.16 | $5.89 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 110M | 110M | 114M | 114M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 110M | 112M | 114M | 115M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$672.9M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.49
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-47.1%
Cash Change
-42.6%
Margin Change
-1.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 3.8%. EPS declined 5.7%. Cash declined 42.6%. Total debt declined 47.1%. Net income margin declined by 1.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
34
Smart Money
34
Number of Gurus
2
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Bank OZK: Buy Reaffirmed After Q3 Results Support Dividend Strength
Bank OZK Offers a 4.3% Yield and Frequent Raises. What's the Catch?
Bank OZK (OZK) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
3 Stocks in Focus That Hiked Dividends Amid Ongoing Market Volatility
Rumor Mill · OZK
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial