Bank OZK Valuation

Is OZK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of OZK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: OZK ($43.51) is trading below our estimate of fair value ($118.32)

Significantly Below Fair Value: OZK is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for OZK?

Other financial metrics that can be useful for relative valuation.

OZK key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.9x

Price to Earnings Ratio vs Peers

How does OZK's PE Ratio compare to its peers?

The above table shows the PE ratio for OZK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.3x
FNB F.N.B
12.3x15.1%US$5.3b
UMBF UMB Financial
13.4x23.4%US$5.1b
COLB Columbia Banking System
11x9.5%US$5.2b
VLY Valley National Bancorp
12.5x19.0%US$4.5b
OZK Bank OZK
7.2x7.9%US$4.9b

Price-To-Earnings vs Peers: OZK is good value based on its Price-To-Earnings Ratio (7.2x) compared to the peer average (12.3x).


Price to Earnings Ratio vs Industry

How does OZK's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.3%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.3%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: OZK is good value based on its Price-To-Earnings Ratio (7.2x) compared to the US Banks industry average (11.7x).


Price to Earnings Ratio vs Fair Ratio

What is OZK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OZK PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.2x
Fair PE Ratio15.2x

Price-To-Earnings vs Fair Ratio: OZK is good value based on its Price-To-Earnings Ratio (7.2x) compared to the estimated Fair Price-To-Earnings Ratio (15.2x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst OZK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$42.98
US$48.60
+13.1%
15.6%US$60.00US$35.00n/a10
Aug ’25US$44.79
US$48.70
+8.7%
15.9%US$60.00US$35.00n/a10
Jul ’25US$40.79
US$48.70
+19.4%
16.1%US$60.00US$35.00n/a10
Jun ’25US$41.88
US$49.10
+17.2%
14.7%US$60.00US$37.00n/a10
May ’25US$45.44
US$51.10
+12.5%
12.3%US$60.00US$39.00n/a10
Apr ’25US$44.88
US$51.90
+15.6%
12.8%US$60.00US$39.00n/a10
Mar ’25US$43.35
US$52.80
+21.8%
13.3%US$62.00US$39.00n/a10
Feb ’25US$42.42
US$52.50
+23.8%
13.9%US$62.00US$39.00n/a10
Jan ’25US$49.83
US$50.00
+0.3%
17.0%US$62.00US$38.00n/a9
Dec ’24US$44.10
US$45.22
+2.5%
15.8%US$62.00US$38.00n/a9
Nov ’24US$35.74
US$44.63
+24.9%
16.5%US$62.00US$38.00n/a8
Oct ’24US$37.07
US$45.50
+22.7%
17.6%US$62.00US$36.00n/a8
Sep ’24US$41.08
US$45.50
+10.8%
17.3%US$59.00US$35.00n/a8
Aug ’24US$43.41
US$45.50
+4.8%
17.3%US$59.00US$35.00US$44.798
Jul ’24US$40.16
US$42.75
+6.4%
16.4%US$58.00US$35.00US$40.798
Jun ’24US$35.59
US$41.63
+17.0%
16.3%US$56.00US$35.00US$41.888
May ’24US$34.66
US$41.88
+20.8%
15.7%US$56.00US$35.00US$45.448
Apr ’24US$34.20
US$48.50
+41.8%
12.8%US$58.00US$40.00US$44.888
Mar ’24US$45.52
US$50.14
+10.2%
11.2%US$58.00US$40.00US$43.357
Feb ’24US$46.38
US$49.29
+6.3%
10.6%US$58.00US$40.00US$42.427
Jan ’24US$40.06
US$48.38
+20.8%
11.4%US$61.00US$42.00US$49.838
Dec ’23US$45.70
US$48.43
+6.0%
12.4%US$61.00US$42.00US$44.107
Nov ’23US$43.65
US$47.86
+9.6%
13.0%US$61.00US$42.00US$35.747
Oct ’23US$39.56
US$46.71
+18.1%
8.8%US$54.00US$42.00US$37.077
Sep ’23US$40.50
US$46.29
+14.3%
9.6%US$54.00US$42.00US$41.087
Aug ’23US$40.64
US$46.29
+13.9%
9.6%US$54.00US$42.00US$43.417

Analyst Forecast: Target price is less than 20% higher than the current share price.


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