1OZK Stock Overview

Operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services in the United States. More details

1OZK fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	2/6
Past Performance	2/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 70.1% below our estimate of its fair value

Earnings are forecast to grow 3.79% per year

Earnings have grown 15.8% per year over the past 5 years

Pays a reliable dividend of 3.78%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Bank OZK Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bank OZK
Historical stock prices
Current Share Price	US$39.07
52 Week High	US$39.65
52 Week Low	US$39.65
Beta	0.85
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	5.40%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1OZK	IT Banks	IT Market
7D	-6.6%	-3.4%	-2.3%
1Y	n/a	42.9%	14.2%

Return vs Industry: Insufficient data to determine how 1OZK performed against the Italian Banks industry.

Return vs Market: Insufficient data to determine how 1OZK performed against the Italian Market.

Price Volatility

Is 1OZK's price volatile compared to industry and market?
1OZK volatility
1OZK Average Weekly Movement	n/a
Banks Industry Average Movement	6.0%
Market Average Movement	5.5%
10% most volatile stocks in IT Market	8.6%
10% least volatile stocks in IT Market	3.4%

Stable Share Price: 1OZK's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1OZK's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1903	3,096	George Gleason	www.ozk.com

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.

Bank OZK Fundamentals Summary

How do Bank OZK's earnings and revenue compare to its market cap?
1OZK fundamental statistics
Market cap	€4.43b
Earnings (TTM)	€613.30m
Revenue (TTM)	€1.31b

7.2x

P/E Ratio

0.9x

P/B Ratio

Is 1OZK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1OZK income statement (TTM)
Revenue	US$1.49b
Cost of Revenue	US$0
Gross Profit	US$1.49b
Other Expenses	US$792.27m
Earnings	US$696.69m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	6.19
Gross Margin	100.00%
Net Profit Margin	46.79%
Debt/Equity Ratio	13.1%

How did 1OZK perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/23 12:40
End of Day Share Price	2025/05/23 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Bank OZK is covered by 20 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Andrew Stapp	B. Riley Securities, Inc.
Benjamin Gerlinger	Citigroup Inc
David Bishop	Drexel Hamilton