Bank OZK (OZK) Price & Analysis
OZK Stock Chart & Stats
- Day’s Range
- MXN 852.16 - MXN 852.16
- 52-Week Range
- MXN 773.73 - MXN 907.93
- Previous Close
- MXN 852.16
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 103.87B
- Enterprise Value
- MXN 5.17B
- Total Cash (Recent Filing)
- MXN 0
- Total Debt (Recent Filing)
- MXN 1.21B
- Price to Earnings (P/E)
- 8.5
- Beta
- -0.05
- Next Earnings
- Jan 21, 2027
- EPS Estimate
- 28.12
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.15%
Bulls Say, Bears Say
Bulls Say
Conservative Leverage
Very low debt relative to equity gives Bank OZK financial flexibility to absorb credit volatility, support organic loan growth, and maintain capital deployment options. Healthy TTM return on equity also indicates that the bank is generating meaningful profits without relying on aggressive balance-sheet leverage.
Strong Cash Generation
Strong free cash flow that broadly tracks net income indicates that reported profitability is translating into cash generation. This provides internal funding for lending growth, technology investment, dividends, and other capital priorities while reducing dependence on external financing.
Diversified CIB Growth
The expanding CIB platform broadens Bank OZK beyond its historically concentrated RESG exposure through multiple business lines, industries, and geographies. Greater diversification can improve the durability of loan growth and reduce dependence on any single commercial real estate segment.
Bears Say
Revenue Contraction
The recent revenue decline and margin normalization indicate that earnings momentum has weakened from prior expansionary periods. Although profitability remains strong, slower top-line growth can limit operating leverage, reduce reinvestment capacity, and make future earnings more dependent on execution and credit outcomes.
RESG Payoff Pressure
Heavy RESG repayments are expected to cause a fourth-quarter retracement in total loan balances and have pushed 2026 growth guidance down to 3%–5%. Management does not expect RESG to contribute to growth until around 2028, creating an extended transition risk for loan expansion.
Elevated Net Charge-Offs
Persistently elevated net charge-offs can pressure earnings through higher credit costs and may constrain the profitability of loan growth. The expectation that losses remain elevated across two years indicates that credit normalization is an ongoing business issue rather than a brief quarterly fluctuation.
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Bank OZK Stock Smart Score
Company Description
Bank OZK
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.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- George G. Gleason
- Employees
- 3,280
- Website
- www.ozk.com
- Address
- 18000 Cantrell Road, Little Rock, AR, 72223, US
Bank OZK (OZK) Earnings & Revenues
OZK Earnings Call
Earnings Call SentimentPositive
The call was broadly optimistic. Management highlighted strong CIB growth, improving credit indicators, meaningful balance-sheet diversification, capital flexibility, deposit and fee-income initiatives, and continued opportunities in the securities portfolio. The main challenges were near-term RESG payoffs and loan-balance retracement, elevated foreclosed assets and net charge-offs, early-stage deposit-mix progress, and ongoing commercial real estate leasing work. Highlights significantly outweighed the lowlights.
View all MX:OZK earnings summariesOZK Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 1 | 5 |
| Technical Analysis | 2 | 1 | 4 |
| Moving Averages | 11 | 0 | 1 |