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Financial Services - Banks - Regional - NASDAQ - US
$ 16.163
-0.186 %
$ 1.83 B
Market Cap
3.7
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one OZKAP stock under the worst case scenario is HIDDEN Compared to the current market price of 16.2 USD, Bank OZK is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one OZKAP stock under the base case scenario is HIDDEN Compared to the current market price of 16.2 USD, Bank OZK is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one OZKAP stock under the best case scenario is HIDDEN Compared to the current market price of 16.2 USD, Bank OZK is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart OZKAP

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$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
2.77 B REVENUE
103.10%
931 M OPERATING INCOME
-8.54%
717 M NET INCOME
3.71%
834 M OPERATING CASH FLOW
-5.34%
-3.25 B INVESTING CASH FLOW
41.19%
3.05 B FINANCING CASH FLOW
-47.10%
670 M REVENUE
-3.61%
224 M OPERATING INCOME
-4.75%
182 M NET INCOME
0.55%
154 M OPERATING CASH FLOW
-44.53%
-742 M INVESTING CASH FLOW
-49.98%
691 M FINANCING CASH FLOW
110.76%
Balance Sheet Bank OZK
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Current Assets 3.52 B
Cash & Short-Term Investments 3.35 B
Receivables 174 M
Other Current Assets 0
Non-Current Assets 34.7 B
Long-Term Investments 32.2 B
PP&E 739 M
Other Non-Current Assets 1.76 B
8.75 %84.27 %4.60 %Total Assets$38.3b
Current Liabilities 31 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 31 B
Non-Current Liabilities 1.51 B
Long-Term Debt 883 M
Other Non-Current Liabilities 627 M
95.36 %Total Liabilities$32.6b
EFFICIENCY
Earnings Waterfall Bank OZK
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Revenue 2.77 B
Cost Of Revenue 1.29 B
Gross Profit 1.48 B
Operating Expenses 551 M
Operating Income 931 M
Other Expenses 215 M
Net Income 717 M
3b3b3b3b2b2b2b2b1b1b500m500m003b(1b)1b(551m)931m(215m)717mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
53.45% GROSS MARGIN
53.45%
33.57% OPERATING MARGIN
33.57%
25.83% NET MARGIN
25.83%
12.56% ROE
12.56%
1.87% ROA
1.87%
5.78% ROIC
5.78%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bank OZK
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900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 717 M
Depreciation & Amortization 89.2 M
Capital Expenditures -95.6 M
Stock-Based Compensation 20.7 M
Change in Working Capital -212 M
Others 136 M
Free Cash Flow 739 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Bank OZK
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OZKAP has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.97% DIVIDEND YIELD
0.289 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.320.289060.289060.289060.289060.289060.289060.289060.289060.289060.289060.289061.190.289061.160.289061.160.5820222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Bank OZK
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
8. Profile Summary

Bank OZK OZKAP

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.83 B
Dividend Yield 0.97%
Description Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services. Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
Contact 18000 Cantrell Road, Little Rock, AR, 72223 https://www.ozk.com
IPO Date Oct. 29, 2021
Employees 3096
Officers Mr. Tim Hicks CPA Chief Financial Officer Mr. Stan Thomas Chief Accounting Officer Mr. John Carter Chief Credit Officer Mr. Alan Jessup Chief Lending Officer Mr. Paschall Brannon Hamblen President Ms. Cynthia Wolfe Chief Operating Officer Ms. Tamara Gotham Chief Administrative Officer Mr. Jason Cathey Chief Information Officer Mr. George G. Gleason II Chairman & Chief Executive Officer Mr. Patrick M. Carr Managing Director of Corporate Finance Data & Technology