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OZK Stock Chart & Stats
$49.20
$0.21(0.42%)
At close: 4:00 PM EDT
$49.20
$0.21(0.42%)
Day’s Range― - ―
52-Week Range$42.37 - $53.39
Previous Close$50.26
Volume1.07M
Average Volume (3M)1.48M
Market Cap
$5.03B
Enterprise Value$5.17B
Total Cash (Recent Filing)$1.55B
Total Debt (Recent Filing)$668.23M
Price to Earnings (P/E)7.6
Beta0.88
Next Earnings
Oct 20, 2026EPS Estimate
1.43Next Dividend Ex-DateN/A
Dividend Yield4.12%
Share Statistics
EPS (TTM)6.06
Shares Outstanding109,165,880
10 Day Avg. Volume2,225,643
30 Day Avg. Volume1,476,185
Financial Highlights & Ratios
PEG Ratio9.13
Price to Book (P/B)0.83
Price to Sales (P/S)1.81
P/FCF Ratio6.94
Enterprise Value/Market Cap1.03
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit3.33
Enterprise Value/Ebitda5.17
Forecast
1Y Price Target
$51.71Price Target Upside5.11% Upside
Rating ConsensusHold
Number of Analyst Covering8
EPS Forecast (FY)5.79
Revenue Forecast (FY)$1.73B
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Cash GenerationBank OZK combines strong current profitability with substantial cash generation. A roughly 27.9% net margin and $762 million of trailing free cash flow provide resources to support lending, capital returns, and investment while strengthening resilience through the next several quarters.
Conservative Leverage Supports Financial FlexibilityVery low debt relative to equity gives Bank OZK meaningful balance-sheet flexibility and reduces dependence on leverage to sustain operations. Healthy returns on equity indicate that the capital base is still producing solid profits, supporting lending capacity and strategic execution.
CIB Diversification And Regulatory ProgressExpansion of Commercial and Institutional Banking broadens Bank OZK beyond its traditional real estate emphasis and creates opportunities for deposits, fees, and cross-selling. At the same time, lower CRE concentration improves regulatory positioning and reduces portfolio concentration over time.
Bears Say
Revenue Contraction And Margin NormalizationThe decline in trailing revenue indicates weaker top-line momentum, while lower margins show that prior peak profitability has not been fully sustained. If this pattern continues, it could reduce internal capital formation and limit the earnings support available for growth and shareholder returns.
Payoffs Pressure Earning Assets And NIILarge, front-loaded loan repayments shrink average earning assets before replacement loans are fully deployed. This creates ongoing pressure on net interest income and makes near-term earnings dependent on successful recycling, even though management expects asset levels to improve later in the year.
Credit Stress In Office And Life-science AssetsRecent charge-offs and higher special-mention volumes show that parts of the commercial real estate portfolio remain under stress. Chunky losses in office and life-science credits can create earnings volatility, consume reserves, and require continued management attention before asset quality normalizes.
OZK FAQ
What was Bank OZK’s price range in the past 12 months?
Bank OZK lowest stock price was $42.37 and its highest was $53.39 in the past 12 months.
What is Bank OZK’s market cap?
Bank OZK’s market cap is $5.03B.
When is Bank OZK’s upcoming earnings report date?
Bank OZK’s upcoming earnings report date is Oct 20, 2026 which is tomorrow.
How were Bank OZK’s earnings last quarter?
Bank OZK released its earnings results on Jul 21, 2026. The company reported $1.49 earnings per share for the quarter, beating the consensus estimate of $1.476 by $0.014.
Is Bank OZK overvalued?
According to Wall Street analysts Bank OZK’s price is currently Undervalued.
Does Bank OZK pay dividends?
Bank OZK pays a Quarterly dividend of $0.49 which represents an annual dividend yield of 4.12%. See more information on Bank OZK dividends here
What is Bank OZK’s EPS estimate?
Bank OZK’s EPS estimate is 1.43.
How many shares outstanding does Bank OZK have?
Bank OZK has 109,165,880 shares outstanding.
What happened to Bank OZK’s price movement after its last earnings report?
Bank OZK reported an EPS of $1.49 in its last earnings report, beating expectations of $1.476. Following the earnings report the stock price went up 0.374%.
Which hedge fund is a major shareholder of Bank OZK?
Currently, no hedge funds are holding shares in OZK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bank OZK Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$51.71 (5.11% Upside)
$51.71 (5.11% Upside)
Blogger Sentiment
Bullish
OZK Sentiment 88%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Increased
By 78.0K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 2.5%
Last 30 Days ▲ 4.2%
Last 30 Days ▲ 4.2%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.07%
12-Months-Change
Fundamentals
Return on Equity
11.21%
Trailing 12-Months
Asset Growth
0.60%
Trailing 12-Months
Learn more about TipRanks 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.
OZK Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call balances clear strategic progress and constructive execution with near-term headwinds. Highlights include meaningful growth and diversification via CIB (now >$7B), improved new-loan spreads in CIB, a 4-basis-point NIM improvement in the quarter, rapid RESG portfolio recycling (nearly $10B of payoffs over the last four quarters), reduced regulatory CRE concentration, disciplined ACL realization, and active, accretive share repurchases. Offsetting these positives are material, front-loaded RESG repayments that depressed average earning assets and tempered NII guidance, negative loan growth in Q2 (despite mid-single-digit annual guidance), stress in segments like life science and office with associated charge-offs, an increase in special mention loans, slightly elevated net charge-offs year-to-date versus the industry, and modest upward pressure on deposit costs (CDs ~10 bps above prior lows). Overall, the company projects confidence in its multi-year strategy and improved franchise diversification but acknowledges near-term earnings and credit variability driven primarily by payoff timing and a handful of problem assets.View all OZK earnings summariesOZK Stock 12 Month Forecast
Average Price Target
$51.71
▲(5.11% Upside)
Technical Analysis
Ameris Bancorp
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Hancock Whitney
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Home Bancshares
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Atlantic Union Bankshares
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ServisFirst Bancshares
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Ownership Overview
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Insiders
24.28% Mutual Funds
3.46% Other Institutional Investors
28.41% Public Companies and
Individual Investors








