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OZK
Bank OZK
$50.72
0.81
(1.62%)
| Exchange: | NASDAQ |
| Market Cap: | 5.537B |
| Shares Outstanding: | 45.714M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | George G. Gleason | |||||
| Full Time Employees: | 3096 | |||||
| Address: |
| |||||
| Website: | https://www.ozk.com |
Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings encompass a wide array of account types, such as demand deposit accounts (both interest and non-interest-bearing), business sweep, savings, money market, and individual retirement accounts, alongside various time deposit options. Beyond deposits, Bank OZK extends diverse lending solutions. These include financing for real estate, consumers, and businesses, as well as specialized areas like recreational vehicles, marine vessels, commercial & industrial projects, and government-guaranteed loans. The bank also supports agriculture, small businesses, homebuilders, and affordable housing initiatives. Additional financial provisions cover business aviation and subscription-based services, as well as conventional mortgage and other loan products. Furthermore, the institution delivers trust and wealth management services. This encompasses personal wealth planning, custodial arrangements, investment management, and retirement account administration. For corporate clients, it provides essential corporate trust services, acting as a trustee, paying agent, and registered transfer agent, among other related functions. Its suite of treasury management offerings is designed to streamline business operations, featuring services like automated clearing house (ACH) transactions, wire transfers, detailed transaction reporting, wholesale lockbox processing, remote deposit capture, automated credit line transfers, account reconciliation, positive pay fraud prevention, and merchant and commercial card services. It also manages specialized accounts such as zero balance and investment sweep accounts. Customers also benefit from convenient access through ATMs, telephone, online, and mobile banking platforms. The bank issues both debit and credit cards, offers safe deposit boxes, and processes merchant debit and credit card transactions, along with other supplementary products and services. With a history dating back to its founding in 1903, Bank OZK is headquartered in Little Rock, Arkansas. It expanded its footprint to approximately 240 branches across states including Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi as of the end of 2021. The institution adopted its current name, Bank OZK, in July 2018, having previously been known as Bank of the Ozarks.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,250,722 | 2,773,990 | 2,805,815 |
| Gross Profit | 1,396,564 | 1,482,585 | 1,555,344 |
| EBITDA | 930,805 | 1,020,534 | 934,270 |
| Operating Income | 867,003 | 931,292 | 934,270 |
| Net Income | 690,783 | 716,456 | 715,480 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 34,237,457 | 38,258,852 | 40,785,840 |
| Total Liabilities | 29,097,481 | 32,552,658 | 34,655,989 |
| Total Stockholders Equity | 5,139,001 | 5,705,623 | 6,129,851 |
| Total Debt | 1,274,731 | 883,040 | 463,578 |
| Cash and Cash Equivalents | 2,149,529 | 2,781,101 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 881,551 | 834,465 | 0 |
| Capital Expenditure | -29,139 | -95,617 | 0 |
| Free Cash Flow | 852,412 | 738,848 | 0 |
| Net Income | 690,839 | 716,503 | 715,480 |
| Net Change in Cash | 1,116,075 | 631,572 | -2,781,101 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,984,682.795 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,036,660.288 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,009,522.920 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 932,008.163 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 956,416.823 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 943,673.100 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 778,831.811 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 811,559.566 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 795,195.689 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 304,677.143 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 312,656.430 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 308,490.457 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.100 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 7.240 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 6.950 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Bank OZK demonstrates consistent revenue and net income growth as reflected in recent income statements, with positive trends in operating income and EPS. Strong free cash flow generation, as seen in cash flow statements, supports operational stability and shareholder returns.
- Healthy Profitability Metrics: Key metrics such as gross profit margin TTM and net profit margin TTM indicate efficient cost management and profitability compared to industry benchmarks within the banking sector.
- Strong Balance Sheet: Balance sheet data shows substantial cash and cash equivalents alongside manageable total liabilities, with a reasonable debt-to-equity ratio TTM, reflecting financial resilience.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates OZK intrinsic value between $64.84 – $95.35 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about OZK valuation
Is Bank OZK (OZK) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Bank OZK (OZK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is OZK a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OZK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is OZK’s P/E ratio?
You can see OZK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for OZK?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is OZK a good long-term investment?
Whether OZK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
OZK
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.62
Trading Metrics:
| Open: | 50.3 | Previous Close: | 49.91 | |
| Day Low: | 50.2 | Day High: | 51.55 | |
| Year Low: | 42.37 | Year High: | 53.66 | |
| Price Avg 50: | 47.8 | Price Avg 200: | 47.9 | |
| Volume: | 850104 | Average Volume: | 1.198M |
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Login — it's freeOZK full analysis
Welcome to MARKETSNAP’s SWOT analysis for Bank OZK! If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into Bank OZK, a regional banking powerhouse that might not be on everyone’s radar but definitely deserves a closer look. Let’s break down what makes this company tick, analyze its recent performance, and explore its potential through a comprehensive SWOT framework. Stick around, because I’ve got some juicy insights from…
