Bank OZK (OZK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 985 | 1,105 | 1,257 | 1,562 | 1,658 | 1,728 | 1,739 | - |
| Operating profit | $m | 934 | 896 | ||||||
| Net profit | $m | 292 | 579 | 564 | 691 | 716 | 715 | 691 | 649 |
| EPS reported | $ | 6.17 | 6.05 | ||||||
| Operating cashflow per share | $ | 7.59 | 7.71 | ||||||
| Capex per share | $ | 0.96 | 0.92 | ||||||
| FCF per share | $ | 6.63 | 6.79 | ||||||
| Free cash flow | $m | 732 | 762 | ||||||
| Net debt | $m | 464 | -886 | ||||||
| Book value equity | $m | 6,130 | 6,278 | ||||||
| Book value per share | $ | 54.70 | 57.23 | ||||||
| Number of shares | m | 112.07 | 109.7 | ||||||
| DPS (TTM paid) | $ | 1.74 | 1.86 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.46 | 7.75 | ||||||
| P/B LTM | x | 0.83 | 0.81 | ||||||
| P/S LTM | x | 2.94 | 2.92 | ||||||
| P/FCF LTM | x | 6.94 | 6.66 | ||||||
| EV/EBITDA LTM | x | 5.23 | 5.55 | ||||||
| EV/Sales LTM | x | 1.98 | 1.75 | ||||||
| Earnings Yield LTM | % | +13.40% | +12.90% | ||||||
| FCF Yield | % | +14.40% | +15.01% | ||||||
| Quality | |||||||||
| ROE | % | +11.67% | +11.21% | ||||||
| ROIC | % | -93.35% | +1.66% | ||||||
| Operating margin | % | +33.30% | +32.35% | ||||||
| Gross margin | % | +55.43% | +56.04% | ||||||
| FCF/Sales | % | +26.08% | +27.52% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.49% | -1.47% | ||||||
| Sales Growth YoY | % | +4.20% | +4.86% | ||||||
| Net Income Growth YoY | % | -0.14% | -3.51% | ||||||
| FCF Growth | % | -0.96% | +3.19% | ||||||
| Operating Profit Growth | % | +0.32% | -3.78% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.19% | +3.54% | ||||||
| Dividend Growth | % | +10.13% | +17.72% | ||||||
| Payout Ratio | % | +30.80% | +32.43% | ||||||
| FCF/Debt | x | 1.58 | 1.14 | ||||||
| Net Debt/EBITDA | x | 0.44 | -0.89 | ||||||
| EBIT/Net interest | x | 0.87 | 0.87 | ||||||
| Net debt/market cap | % | +9.13% | +8.10% | ||||||
| Net debt/Equity | x | 0.08 | -0.14 | ||||||
| Gross debt/equity | x | 0.08 | 0.11 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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