OZK logo

BANK OZK

OZKNASDAQ
πŸ† #1190 by market capEarnings Jan 18 Β· PostUS Equity
$50.51β–Ό $0.26 (βˆ’0.51%)
πŸŒ… Pre-market$51.05β–² 1.06%Regular close Β· extended-hours price shown
πŸ””
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24hβ–Ό 0.5%
7dβ–² 1.7%
14dβ–² 10.2%
30dβ–² 9.4%
ytdβ–² 9.8%
1yβ–² 12.0%
🏦Market Cap
$5.51B
Small Cap
πŸ“ˆRevenue Growth (YoY)
1.1%
Slowing
πŸ“ŠGross Margin
63.5%
High
πŸ’΅FCF Margin
23.7%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
76
Strong

Trading Snapshot

Day Range
$50.09 – $51.00
52-Week Range
$42.37 – $53.39
Volume (shares)
1,402,227
Avg Volume (shares)
β€”
Shares Outstanding
109.2M
Next Earnings
2027-01-18

Fundamentals Snapshot

Annual Revenue
$2.81B
Last Q Revenue
$391M
P/E Ratio
8.5
P/S Ratio
2.3x
EPS (TTM)
$6.01
Dividend Yield
3.76%
Dilution (1yr)
βˆ’1.7%
OZK logo

BANK OZK

OZK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.8Bβ–² +1.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
55.4%β–² +3.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$934Mβ–² +0.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$732Mβ–Ό βˆ’1.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
112.1Mβ–Ό βˆ’1.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$464Mβ–Ό βˆ’$2.4B YoY
StockOtter Β· stockotter.space

About BANK OZK

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Hold
14 analysts
Strong Buy2
Buy4
Hold6
Sell1
Strong Sell1
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·6d ago

Bank OZK: Buy Reaffirmed After Q3 Results Support Dividend Strength

Bank OZK gets prior buy rating reaffirmed. Positives include dividend strength, regional presence in the Arkansas region, a low D/E, and favorable loan charge-off trends. The bank is looking to grow its fee-driven segmen

Seeking AlphaΒ·7d ago

Bank OZK: Shift Away From CRE Is Underappreciated

Bank OZK remains a 'strong buy' as its transformation from CRE lender to a more diversified profile accelerates, despite recent share underperformance. OZK's CRE exposure has dropped to 45% of loans, with repayments and

Seeking AlphaΒ·7d ago

Bank OZK (OZK) Q3 2026 Earnings Call Transcript

Bank OZK ( OZK ) Q3 2026 Earnings Call October 21, 2026 8:30 AM EDT Company Participants Jay Staley George Gleason - Chairman & CEO Tim Hicks - Chief Financial Officer Paschall Hamblen - President Jake Munn - President o

MarketBeatΒ·7d ago

What Bank OZK (OZK) Said on Its Q3 Earnings Call

Bank OZK NASDAQ: OZK outlined plans for stronger loan growth in 2027 while acknowledging that elevated repayments in its Real Estate Specialties Group, or RESG, portfolio are expected to pressure loan balances in the fou

Zacks Investment ResearchΒ·8d ago

Bank OZK (OZK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Bank OZK (OZK) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and th

Zacks Investment ResearchΒ·8d ago

Bank OZK (OZK) Beats Q3 Earnings and Revenue Estimates

Bank OZK (OZK) came out with quarterly earnings of $1.5 per share, beating the Zacks Consensus Estimate of $1.45 per share. This compares to earnings of $1.59 per share a year ago.