Bank OZK

Valuation Analysis

About the Company

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides 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 offers 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, aut

Bank OZK Stock at a Glance

Bank OZK (OZK) is currently trading at $52.10 with a market capitalization of $5.7B. The trailing P/E ratio stands at 8.47x, with a forward P/E of 8.12x. The 52-week range spans from $42.37 to $53.66; the current price is 2.9% below the yearly high. Year-over-year revenue growth stands at +1.4%. The net profit margin stands at 45.29%.

💰 Dividend

Bank OZK pays an annual dividend of $1.82 per share, representing a yield of 3.49%. The payout ratio stands at 28.94%.

📊 Analyst Rating

9 analysts rate Bank OZK (OZK) on consensus: None. The average price target is $52.33, implying +0.45% from the current price. Analyst price targets range from $40.00 to $61.00.

Bank OZK: The Investment Case in Detail

Bank OZK (OZK) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 1.4%, which is below nominal GDP — the business is no longer outgrowing the broader economy. Short interest sits at 14.47% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

What to Watch Next

• The dividend yield near 3.49% combined with a payout ratio of 28.94% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (14.47%).

Trading Data

💵 Dividend Info

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