Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OZK
HOLDREMOVEBank OZK · Financial Services · United States · $5.3B · Avg Vol: $48M/d
Bank OZK has significant exposure to commercial real estate construction lending, which faces structural headwinds in the current macroeconomic environment.
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
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 1.3B | 1.6B | 1.7B | 1.7B | 11.2% |
| EPS | 4.55 | 5.89 | 6.16 | 6.20 | 10.9% |
| Shares | 117M | 113M | 113M | 110M | -5.8% |
| Debt | 1.1B | 1.3B | 883M | 464M | -24.5% |
| Equity | 4.7B | 5.1B | 5.7B | 6.1B | 9.3% |
| Op CF | 765M | 882M | 834M | 838M | 3.1% |
| Inv CF | -2.4B | -5.5B | -3.3B | -2.3B | — |
| Fin CF | 645M | 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) | $5.3B | 62 | HOLD |
| ASB | Associated Banc-Corp | $5.3B | 64 | HOLD |
| AUB | Atlantic Union Bankshares Corporation | $5.4B | 58 | HOLD |
| ABCB | Ameris Bancorp | $5.7B | 57 | HOLD |
| RNST | Renasant Corporation | $3.8B | 64 | HOLD |
| IBOC | International Bancshares Corporation | $4.5B | 56 | HOLD |
| UBSI | United Bankshares, Inc. | $6.0B | 69 | BUY |
| FULT | Fulton Financial Corporation | $4.1B | 67 | BUY |
| FNB | F.N.B. Corporation | $6.3B | 53 | HOLD |
| ONB | Old National Bancorp | $9.3B | 60 | HOLD |
Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%