Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OZK
BuyUnloved QualityFLAGBank OZK · Financial Services · United States · $5.4B · Avg Vol: $46M/d
Bank OZK has quality Q61 and value V64, but momentum at M51 misses the all-three-above-60 path with no corroborating filing, so stage one fails.
COMPANY DESCRIPTION
Bank OZK operates as a state-chartered bank, offering diverse retail and commercial banking services, including its distinctive Real Estate Specialties Group (RESG). Its competitive moat is a unique and highly successful niche in construction and commercial real estate lending through its RESG, coupled with a strong credit culture. Bank OZK is known for its high-performing RESG division that finances large, complex construction projects, driving robust asset growth and profitability.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.6B | 1.7B | 1.7B | 11.2% | 1.6B | 1.7B | 1.8B | 2.1% |
| EPS | 4.55 | 5.89 | 6.16 | 6.20 | 10.9% | 6.06 | 5.80 | 6.05 | -1.2% |
| Shares | 117.2M | 113.1M | 113.5M | 110.4M | -5.8% | 109.0M | — | — | — |
| Debt | 1.1B | 1.3B | 883.0M | 463.6M | -24.5% | 668.2M | — | — | — |
| Equity | 4.7B | 5.1B | 5.7B | 6.1B | 9.3% | — | — | — | — |
| Op CF | 764.9M | 881.6M | 834.5M | 837.7M | 3.1% | 865.7M | — | — | — |
| Inv CF | -2.4B | -5.5B | -3.3B | -2.3B | — | — | — | — | — |
| Fin CF | 644.9M | 5.8B | 3.0B | 1.6B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OZK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OZK | Bank OZK(you) | $5.4B | 69 | Buy |
| AUB | Atlantic Union Bankshares Corporation | $5.8B | 66 | Buy |
| AX | Axos Financial, Inc. | $5.6B | 65 | Hold |
| FULT | Fulton Financial Corporation | $4.5B | 67 | Buy |
| UCB | United Community Banks, Inc. | $4.2B | 70 | Buy |
| VLY | Valley National Bancorp | $7.7B | 70 | Buy |
| UBSI | United Bankshares, Inc. | $6.5B | 65 | Buy |
| WSBC | WesBanco, Inc. | $3.9B | 72 | Buy |
| HWC | Hancock Whitney Corporation | $6.0B | 62 | Hold |
| HOMB | Home BancShares, Inc. | $5.9B | 61 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%