OZK Share Price Performance
US$43.25
-5.11 (-10.56%)
21.1% undervalued intrinsic discount
US$54.78
Fair Value
Price US$43.25
AnalystConsensusTarget US$54.78
AnalystLowTarget US$42.00
AnalystHighTarget US$67.00
Fair ValueUS$54.78
Share Pricen/a
Bank OZK Stock Price
- 3 Narratives written by author
- 1 Comments on narratives written by author
- 48 Fair Values set on narratives written by author
OZK Community Narratives
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Fair Value US$54.78 21.1% undervalued intrinsic discount
OZK: Future Dividend Increases And Business Diversification Will Drive Multiple Expansion
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AN
Fair Value US$42 3.0% overvalued intrinsic discount
Concentrated Real Estate Exposure And Branch Building Will Hinder Profitability
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Fair Value US$67 35.5% undervalued intrinsic discount
Sunbelt Migration And Digital Banking Will Drive Market Potential
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OZK: Future Dividend Increases And Business Diversification Will Drive Multiple Expansion
Key Takeaways Expansion in high-growth Sun Belt regions and CIB division buildout are driving lending, deposit growth, and increased non-interest revenue. Investments in technology and conservative underwriting enhance efficiency and asset quality, supporting stable earnings and long-term profitability.Read more
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1users have commented on this narrative
19users have followed this narrative
AN
US$54.78
21.1% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
8.5% p.a.
Profit Margin
36.38%
Future PE
10.22x
Share price in 2028
US$66.56
Concentrated Real Estate Exposure And Branch Building Will Hinder Profitability
Key Takeaways Heavy reliance on commercial real estate and select regional markets heightens exposure to sector downturns, credit losses, and earnings volatility. Operational expansion and rising competition from fintechs threaten cost efficiency, lending margins, and long-term profitability.Read more
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AN
US$42
3.0% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue growth
9.65% p.a.
Profit Margin
41.31%
Future PE
6.82x
Share price in 2028
US$51.01
Sunbelt Migration And Digital Banking Will Drive Market Potential
Key Takeaways Accelerating growth in CIB and Sunbelt market expansion could drive revenue gains, with digitally focused strategies enabling above-peer deposit and lending performance. Conservative loan underwriting and substantial reserves offer both downside protection and potential earnings upside through reserve releases and selective high-return portfolio growth.Read more
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AN
US$67
35.5% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue growth
11.61% p.a.
Profit Margin
39.17%
Future PE
10.88x
Share price in 2028
US$81.37
Recently Updated Narratives
AN
OZK: Future Dividend Increases And Business Diversification Will Drive Multiple Expansion
Fair Value: US$54.78 21.1% undervalued intrinsic discount
19 followersusers have followed this narrative
1 commentusers have commented on this narrative
0 likesusers have liked this narrative
AN
Sunbelt Migration And Digital Banking Will Drive Market Potential
Fair Value: US$67 35.5% undervalued intrinsic discount
0 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Concentrated Real Estate Exposure And Branch Building Will Hinder Profitability
Fair Value: US$42 3.0% overvalued intrinsic discount
0 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
Bank OZK Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 6.26
- 100.00%
- 45.84%
- 12.5%
About OZK
- Founded
- 1903
- Employees
- 3205
- CEO
- WebsiteView website
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services in the United States. The company offers deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company offers real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
