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Bank OZK (OZK) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Bank OZK

OZKMarket cap $4.86BPrice $44.6

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a regional bank that quietly built one of the largest and most profitable commercial real estate lending machines in America. Its Real Estate Specialties Group finances massive construction projects nationwide, often outlending banks many times its size.

In Bastion Portfolios?

52W Return-1%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+8%–

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1-5%3

EPS Growth Y+2+2%4

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%5

Net Income Margin45%10

Free Cash Flow Margin49%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%5

ROA2%4

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)79

P/BV0.810

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield4.4%9

Momentum

Short term

1 month return-12%2

3 month return-10%3

YTD return-0%5

Mid term

Price vs 52wHigh84%6

1 year return-11%3

Long term

3 year return+36%5

5 year return+21%4

Risk Shield

Price Risk

Beta0.94

Volatility25%8

Free Cash Flow

Free Cash Flow Margin49%10

Free Cash Flow Yield0.0%10

Quality

ROCE13%4

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

OZKBank OZK

Revenue FY25$1.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-5%3

EPS growth, FY27E+2%4

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow slower than sales (EPS about 2%/yr vs revenue 8%/yr), so margins are under pressure. One year dips: EPS falls 5% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK23 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-10%3

YTD return-0%5

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return-11%3

3-year return+36%5

5-year return+21%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and +21% over five), roughly average for the market.

It's down 11% over the past year, now 16% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+0%).

WEAKNESSES

The stock is underperforming over the past month (-12%) and over three months (-10%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Bank OZK. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

OZKBank OZK

Revenue FY25$1.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-5%3

EPS growth, FY27E+2%4

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow slower than sales (EPS about 2%/yr vs revenue 8%/yr), so margins are under pressure. One year dips: EPS falls 5% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK23 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-10%3

YTD return-0%5

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return-11%3

3-year return+36%5

5-year return+21%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and +21% over five), roughly average for the market.

It's down 11% over the past year, now 16% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+0%).

WEAKNESSES

The stock is underperforming over the past month (-12%) and over three months (-10%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Bank OZK. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community