Bank OZK provides various retail and commercial banking services. More Details
No risks detected for OZK from our risk checks.
Flawless balance sheet established 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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: OZK exceeded the US Banks industry which returned -28.7% over the past year.
Return vs Market: OZK underperformed the US Market which returned 17.8% 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
2 weeks ago | Simply Wall StBe Sure To Check Out Bank OZK (NASDAQ:OZK) Before It Goes Ex-Dividend
1 month ago | Simply Wall StHow Much Are Bank OZK (NASDAQ:OZK) Insiders Spending On Buying Shares?
1 month ago | Simply Wall StWould Shareholders Who Purchased Bank OZK's(NASDAQ:OZK) Stock Three Years Be Happy With The Share price Today?
Is Bank OZK undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: OZK ($24.08) is trading below our estimate of fair value ($31.15)
Significantly Below Fair Value: OZK is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: OZK is poor value based on its PE Ratio (11.7x) compared to the US Banks industry average (10.1x).
PE vs Market: OZK is good value based on its PE Ratio (11.7x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: OZK is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: OZK's PB Ratio (0.8x) is in line with the US Banks industry average.
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 (24.1% per year) is above the savings rate (2.2%).
Earnings vs Market: OZK's earnings (24.1% per year) are forecast to grow faster than the US market (22% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: OZK's revenue (4.4% per year) is forecast to grow slower than the US market (10% per year).
High Growth Revenue: OZK's revenue (4.4% 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 (7.7%).
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 (35.1%) are lower than last year (43.7%).
Past Earnings Growth Analysis
Earnings Trend: OZK's earnings have grown by 15.4% 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 (-35%) over the past year, making it difficult to compare to the Banks industry average (-3.2%).
Return on Equity
High ROE: OZK's Return on Equity (6.5%) 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 (6.4x) is low.
Allowance for Bad Loans: OZK has a sufficient allowance for bad loans (956%).
Low Risk Liabilities: 93% 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 (72%).
Low Risk Deposits: OZK's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: OZK has an appropriate level of bad loans (0.2%).
What is Bank OZK current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: OZK's dividend (4.57%) is higher than the bottom 25% of dividend payers in the US market (1.65%).
High Dividend: OZK's dividend (4.57%) is low compared to the top 25% of dividend payers in the US market (4.67%).
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 (49.4%), 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 (42.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
George Gleason (66 yo)
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 ($USD5.63M).
Compensation vs Earnings: George's compensation has been consistent with company performance over the past year.
|Chairman & CEO||41.75yrs||US$5.14m||4.53% |
|Chief Financial Officer||9.83yrs||US$1.87m||0.12% |
|Chief Administrative Officer & Executive Director of Investor Relations||3.25yrs||US$1.99m||0.048% |
|Chief Credit Officer||2.33yrs||US$883.10k||0.025% |
|Executive Officer & President and COO - Real Estate Specialties Group (RESG)||2.17yrs||US$2.29m||0.045% |
|Chief Accounting Officer||0.75yr||no data||0.0034% |
|General Counsel & Corporate Secretary||0.67yr||no data||no data|
|Executive VP & Chief Marketing Officer||no data||no data||no data|
|Executive VP and Director of Regulatory & Government Relations||8.75yrs||no data||0.040% |
|Managing Director||7.25yrs||no data||no data|
|President of South Texas Division||6.58yrs||no data||no data|
|Executive Vice President of Stabilized Properties Group||5.67yrs||no data||no data|
Experienced Management: OZK's management team is seasoned and experienced (5.7 years average tenure).
|Chairman & CEO||41.75yrs||US$5.14m||4.53% |
|Independent Director||23.25yrs||US$159.94k||0.11% |
|Independent Director||4.42yrs||US$151.19k||0.012% |
|Independent Director||2.42yrs||US$159.94k||0.012% |
|Independent Director||5.42yrs||US$153.69k||0.0081% |
|Independent Director||6.42yrs||US$201.19k||0.77% |
|Independent Director||8.5yrs||US$143.69k||0.014% |
|Independent Director||8.5yrs||US$139.94k||0.024% |
|Presiding Independent Director||no data||US$239.94k||0.010% |
|Independent Director||7.17yrs||US$138.69k||0.083% |
|Independent Director||4.42yrs||US$207.44k||0.0088% |
|Independent Director||3.42yrs||US$132.44k||0.0061% |
Experienced Board: OZK's board of directors are considered experienced (6.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: OZK insiders have bought and sold the same number of shares 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$3.115b
- Shares outstanding: 129.35m
- Website: https://www.ozk.com
Number of Employees
- Bank OZK
- 18000 Cantrell Road
- 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 various retail and commercial banking services. The company accepts various deposit products, including non-interest bearing checking, interest bearing transaction, business sweep, saving ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/23 00:39|
|End of Day Share Price||2020/10/22 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.