Bank OZK (OZK) AI Stock Analysis

Established in 1903 and headquartered in Little Rock, Arkansas, Bank OZK provides retail and commercial banking services to a diverse clientele. Its offerings include deposit products such as checking, savings, money market, and individual retirement accounts. The bank delivers lending solutions spanning real estate loans, consumer loans, business loans, agricultural financing, and government guaranteed loans. Bank OZK also provides trust and wealth management services, including investment management, retirement accounts, and corporate trust services. Additionally, it offers treasury management capabilities such as automated clearing house transactions and wire transfers, alongside digital banking solutions across online and mobile platforms.

Bank OZK grew annual revenue from $1.19B in FY2021 to $2.81B in FY2025, reflecting a 5-year revenue CAGR of 19.0% from FY2020 to FY2025. Annual net income increased from $579.0M in FY2021 to $715.5M in FY2025, though net margin compressed from 48.8% to 25.5% over the same timeframe. Operating margin declined from 63.4% in FY2021 to 33.3% in FY2025. In the trailing twelve months, revenue reached $1.55B with an operating margin of 55.6% and net margin of 44.5%. For the latest quarter ended June 30, 2026, quarterly revenue fell 2.1% year-over-year and quarterly earnings declined 5.7%.

As of June 30, 2026, Bank OZK held $1.55B in cash and short-term investments against total debt of $668.2M, providing net cash of $886.1M. Total assets stood at $41.70B and shareholders' equity was $6.28B, resulting in a debt-to-equity ratio of 0.11. During FY2025, the bank generated $837.7M in operating cash flow and $731.7M in free cash flow. Cash usage included $106.0M in capital expenditures, $213.0M in dividends paid, and $144.5M in share buybacks.

Bank OZK trades at a trailing P/E of 7.6x and a forward P/E of 7.6x, both lower than the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio of 3.2x matches the peer median of 3.2x, while its price-to-book ratio is 0.9x. The stock has posted a 1-year return of 2.1% and a 5-year return of 24.3%, trailing the S&P 500 (SPY) gains of 16.8% and 83.0% over the same periods.

Bank OZK pays an annual forward dividend of $1.96 per share, resulting in a 4.25% dividend yield. Dividends are paid on a quarterly schedule and are supported by a 31.4% payout ratio. The company has paid dividends for 30 consecutive years and achieved a 5-year annualized dividend growth rate of 10.1%, with its last ex-dividend date on October 13, 2026.

Analyst ratings comprise 2 Strong Buy, 1 Buy, 5 Hold, 0 Sell, and 2 Strong Sell recommendations. The mean price target is $53.78, representing 16.6% upside from the last close of $46.12. For the fiscal year ending December 31, 2026, analysts expect EPS of $5.79 on revenue of $1.73B. Bank OZK has beaten EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 20, 2026.

This page is an AI-written research summary of Bank OZK (OZK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: OZK income statement, OZK balance sheet, OZK key metrics, OZK analyst forecast, OZK chart. See the OZK stock overview for the latest quote and news.