Bank OZK Balance Sheet Health
Financial Health criteria checks 6/6
Bank OZK has total assets of $37.4B and total equity of $5.6B. Total deposits are $30.6B, and total loans are $28.8B. It earns a Net Interest Margin of 5.2%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $2.7B.
Key information
6.7x
Asset to equity ratio
5.2%
Net interest margin
| Total deposits | US$30.57b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$2.68b |
Recent financial health updates
No updates
Recent updates
Bank OZK: A Baby Thrown Out With The Bathwater
Oct 25Bank OZK: Solid Q3 Despite Near-Term NIM Pressure
Oct 183.5 Reasons Why I Just Bought Bank OZK (And A Caveat)
Oct 11Bank OZK (NASDAQ:OZK) Will Pay A Larger Dividend Than Last Year At $0.41
Oct 05
Here's Why Bank OZK (NASDAQ:OZK) Has Caught The Eye Of Investors
Aug 263.5 Reasons Why I Just Bought Bank OZK (And A Caveat)
Aug 23Bank OZK Q2 Earnings Preview: CRE Losses Are The Critical Item
Jul 15Bank OZK (NASDAQ:OZK) Is Increasing Its Dividend To $0.40
Jul 05Bank OZK: 7.3% Yielding Preferred Shares Are Interesting, CRE Risks Overblown
Jun 09Bank OZK: The 'Canary' In The CRE Coalmine
May 30Bank OZK: Strong Q1 Results Point To Further Upside
Apr 24Bank OZK (NASDAQ:OZK) Is Increasing Its Dividend To $0.39
Apr 05Bank OZK: Shares Look Cheap Amid Credit Quality Concerns
Mar 18Bank OZK: I'm Adding 7.1% Yielding Preferred Shares To My Portfolio
Feb 13Bank OZK: Real Estate Fears Create Opportunity
Feb 02If EPS Growth Is Important To You, Bank OZK (NASDAQ:OZK) Presents An Opportunity
Jan 17Bank OZK: A Community Bank Rallying With Higher Rates, Earnings Due Thursday
Oct 17Bank OZK increases dividend by ~3%
Oct 03Bank OZK's Preferred Shares Are Now Yielding 6.6%
Sep 10Bank OZK: Happy I Took That Upside - Now A 'Buy'
Jul 15Bank OZK rises dividend 3.2% to $0.32/share
Jul 01Bank OZK: The 6.4% Preferred Shares Are Now Too Cheap To Ignore
May 02Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OZK's Assets to Equity ratio (6.7x) is low.
Allowance for Bad Loans: OZK has a sufficient allowance for bad loans (239%).
Low Risk Liabilities: 96% 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 (77%).
Low Risk Deposits: OZK's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: OZK has an appropriate level of bad loans (0.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 22:18 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
Analysis Model and Snowflake
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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 .
Analyst Sources
Bank OZK is covered by 19 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 |