Bank OZK provides retail and commercial banking services to businesses, individuals, and non-profit and governmental entities.
Flawless balance sheet 6 star dividend payer.
Share Price & News
How has Bank OZK's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: OZK's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: OZK exceeded the US Banks industry which returned -28.3% over the past year.
Return vs Market: OZK underperformed the US Market which returned 6.7% over the past year.
Price Volatility Vs. Market
How volatile is Bank OZK's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StIs It Smart To Buy Bank OZK (NASDAQ:OZK) Before It Goes Ex-Dividend?
3 weeks ago | Simply Wall StBank OZK (NASDAQ:OZK) Insiders Have Been Selling
1 month ago | Simply Wall StHow Much Did Bank OZK's (NASDAQ:OZK) CEO Pocket Last Year?
Is Bank OZK undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: OZK ($21.36) is trading above our estimate of fair value ($17.86)
Significantly Below Fair Value: OZK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: OZK is good value based on its PE Ratio (8.4x) compared to the Banks industry average (9.2x).
PE vs Market: OZK is good value based on its PE Ratio (8.4x) compared to the US market (16.2x).
Price to Earnings Growth Ratio
PEG Ratio: OZK is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: OZK is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).
How is Bank OZK forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: OZK's forecast earnings growth (13.7% per year) is above the savings rate (2.2%).
Earnings vs Market: OZK's earnings (13.7% per year) are forecast to grow slower than the US market (22.8% per year).
High Growth Earnings: OZK's earnings are forecast to grow, but not significantly.
Revenue vs Market: OZK's revenue (2.3% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: OZK's revenue (2.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: OZK's Return on Equity is forecast to be low in 3 years time (7.1%).
How has Bank OZK performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: OZK has high quality earnings.
Growing Profit Margin: OZK's current net profit margins (39%) are lower than last year (44.3%).
Past Earnings Growth Analysis
Earnings Trend: OZK's earnings have grown by 20% per year over the past 5 years.
Accelerating Growth: OZK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: OZK had negative earnings growth (-21.1%) over the past year, making it difficult to compare to the Banks industry average (1.8%).
Return on Equity
High ROE: OZK's Return on Equity (8%) is considered low.
How is Bank OZK's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: OZK's Assets to Equity ratio (6x) is low.
Allowance for Bad Loans: OZK has a sufficient allowance for bad loans (903%).
Low Risk Liabilities: 92% of OZK's liabilities are made up of primarily low risk sources of funding.
Loan Level: OZK has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: OZK's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: OZK has an appropriate level of bad loans (0.1%).
What is Bank OZK current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: OZK's dividend (5.1%) is higher than the bottom 25% of dividend payers in the US market (1.68%).
High Dividend: OZK's dividend (5.1%) is in the top 25% of dividend payers in the US market (4.58%)
Stability and Growth of Payments
Stable Dividend: OZK's dividends per share have been stable in the past 10 years.
Growing Dividend: OZK's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (38.7%), OZK's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: OZK's dividends in 3 years are forecast to be well covered by earnings (47.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
George Gleason (66yo)
Mr. George G. Gleason, II has been Chairman of the Board, Chief Executive Officer and President of Bank OZK (formerly known as Bank of the Ozarks) since 1979. Mr. Gleason’s qualifications to serve on the B ...
CEO Compensation Analysis
Compensation vs Market: George's total compensation ($USD5.14M) is about average for companies of similar size in the US market ($USD5.86M).
Compensation vs Earnings: George's compensation has been consistent with company performance over the past year.
|Chairman & CEO||41.5yrs||US$5.14m||4.56% $125.3m|
|Chief Financial Officer||9.58yrs||US$1.87m||0.12% $3.3m|
|Chief Administrative Officer & Executive Director of Investor Relations||3yrs||US$1.99m||0.048% $1.3m|
|Chief Credit Officer||2.08yrs||US$883.10k||0.025% $697.2k|
|Executive Officer & President and COO - Real Estate Specialties Group (RESG)||1.92yrs||US$2.29m||0.046% $1.3m|
|Chief Accounting Officer||0.50yr||no data||0.0035% $95.0k|
|General Counsel & Corporate Secretary||0.42yr||no data||no data|
|Executive VP & Chief Marketing Officer||no data||no data||no data|
|Executive VP and Director of Regulatory & Government Relations||8.5yrs||no data||0.040% $1.1m|
|Managing Director||7yrs||no data||no data|
Experienced Management: OZK's management team is considered experienced (3 years average tenure).
|Chairman & CEO||41.5yrs||US$5.14m||4.56% $125.3m|
|Independent Director||23yrs||US$159.94k||0.11% $2.9m|
|Independent Director||4.17yrs||US$151.19k||0.013% $344.5k|
|Independent Director||5.17yrs||US$153.69k||0.0081% $223.0k|
|Independent Director||6.17yrs||US$201.19k||0.77% $21.2m|
|Independent Director||8.25yrs||US$143.69k||0.014% $393.4k|
|Independent Director||8.25yrs||US$139.94k||0.025% $673.5k|
|Presiding Independent Director||no data||US$239.94k||0.010% $287.6k|
|Independent Director||6.92yrs||US$138.69k||0.083% $2.3m|
|Independent Director||4.17yrs||US$207.44k||0.0088% $242.0k|
Experienced Board: OZK's board of directors are considered experienced (6.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: OZK insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank OZK's company bio, employee growth, exchange listings and data sources
- Name: Bank OZK
- Ticker: OZK
- Exchange: NasdaqGS
- Founded: 1903
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.747b
- Shares outstanding: 128.60m
- Website: https://www.ozk.com
Number of Employees
- Bank OZK
- 17901 Chenal Parkway
- Little Rock
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|OZK||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jul 1997|
|BO8||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jul 1997|
|OZK *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Jul 1997|
Bank OZK provides retail and commercial banking services to businesses, individuals, and non-profit and governmental entities. The company accepts non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. Its loan products include real estate, small business and consumer, indirect consumer RV and marine, government guaranteed, commercial and industrial, and agricultural loans, as well as mortgage lending products. The company also provides trust and wealth services, including personal trusts, custodial accounts, investment management accounts, and retirement accounts; and corporate trust services, such as trustee, paying agent and registered transfer agent services, and other incidental services. In addition, it offers automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Further, the company is involved in the provision of real estate appraisals; ATMs; telephone, online, and mobile banking services; debit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2019, it operated 250 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Alabama, South Carolina, California, New York, and Mississippi. 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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/09 23:55|
|End of Day Share Price||2020/07/09 00:00|
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 here.