OZ
Bank OZK
OZK—
Bank OZK AI Insights
Informational only. Not investment advice.Snapshot
- Net margin TTM 42.5% vs industry median 25.8% - exceptional efficiency for regional bank with 1.7B revenue[Net Margin]
- Debt/equity 0.13 vs peers while generating 11% ROIC TTM - capital-light model with strong returns[Debt to Equity]
- EPS 3Y CAGR 14.2% vs industry median -0.1% - consistent compounder in challenged sector[EPS Growth 3 Year]
Watch Triggers
- Net Margin: Falls below 35% — Margin compression would signal NIM pressure eroding core competitive advantage
- ROE: Drops below 10% — Would indicate capital efficiency deterioration and potential credit issues
- Book Value Per Share: Declines QoQ — At 50.79 BV/share, any decline signals potential loan losses or writedowns
Bull Case
Elite profitability (42.5% net margin, 13% ROE) at P/E 7.9x and P/B 1.08x - priced for distress despite quality metrics
Net MarginROEP/E RatioP/B Ratio
FCF TTM 677M (40% of revenue) with 0.13 debt/equity provides capital return optionality and M&A firepower
Free Cash FlowDebt to Equity
Bear Case
Interest expense 1.1B (65% of revenue) creates NIM compression risk if rate environment shifts unfavorably
Interest ExpenseTotal Revenue
CRE concentration implied by specialty lending model - sector downturn could impair loan book quality
Total AssetsNet Income
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
60%
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Forward Thesis
Margin leadership sustainable as CRE lending expertise creates pricing power in specialty niches
1-3ymed
- 42.5% net margin 2x industry median
- ROIC 11% vs median 3.8%
- Minimal goodwill (11% of equity)
Net margin TTM 42.5%ROIC TTM 11%Goodwill 661M vs equity 5.8B
Valuation Context
Caveats
Public Strategies Rankings
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OZK Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$5.5B | — | ||
$3.14B | — | ||
7.9 | — | ||
$1.7B | +2.8% | — | |
$6.17 | +2.2% | — | |
0% | — | ||
42.5% | -0.4% | — | |
$677.4M | -15.8% | — | |
0.13 | -1.3% | — | |
Beta 5Y (Monthly) | unknown | — |
OZK Dividend History
105 dividends
2026
$0.460001/13/26$0.4600
2025
$1.740010/14/25$0.4500
07/11/25$0.4400
04/14/25$0.4300
01/14/25$0.4200
2024
$1.580010/11/24$0.4100
07/12/24$0.4000
04/11/24$0.3900
01/12/24$0.3800
2023
$1.420010/12/23$0.3700
07/13/23$0.3600
04/13/23$0.3500
01/13/23$0.3400
2022
$1.260010/13/22$0.3300
07/14/22$0.3200
04/13/22$0.3100
01/13/22$0.3000
2021
$1.132510/14/21$0.2900
07/09/21$0.2850
04/09/21$0.2800
01/14/21$0.2775
2020
$1.077510/08/20$0.2750
07/10/20$0.2725
04/09/20$0.2700
01/16/20$0.2600
2019
$0.940010/10/19$0.2500
07/11/19$0.2400
04/12/19$0.2300
01/14/19$0.2200
2018
$0.795010/11/18$0.2100
07/12/18$0.2000
04/12/18$0.1950
01/18/18$0.1900
2017
$0.710010/12/17$0.1850
07/12/17$0.1800
04/11/17$0.1750
01/18/17$0.1700
2016
$0.630010/12/16$0.1650
07/13/16$0.1600
04/13/16$0.1550
01/13/16$0.1500
2015
$0.550010/14/15$0.1450
07/15/15$0.1400
04/15/15$0.1350
01/14/15$0.1300
2014
$0.470010/15/14$0.1250
07/09/14$0.1200
04/09/14$0.1150
01/15/14$0.1100
2013
$0.360010/09/13$0.1050
07/10/13$0.0950
04/10/13$0.0850
01/16/13$0.0750
2012
$0.250010/10/12$0.0700
07/11/12$0.0650
04/11/12$0.0600
01/11/12$0.0550
2011
$0.185010/12/11$0.0500
07/13/11$0.0475
04/13/11$0.0450
01/12/11$0.0425
2010
$0.150010/13/10$0.0400
07/14/10$0.0375
04/14/10$0.0375
01/14/10$0.0350
2009
$0.130010/28/09$0.0325
07/29/09$0.0325
04/29/09$0.0325
01/28/09$0.0325
2008
$0.125010/22/08$0.0325
07/23/08$0.0325
04/23/08$0.0300
01/23/08$0.0300
2007
$0.107510/24/07$0.0300
07/25/07$0.0275
04/25/07$0.0250
01/24/07$0.0250
2006
$0.100010/25/06$0.0250
07/26/06$0.0250
04/26/06$0.0250
01/25/06$0.0250
2005
$0.092510/26/05$0.0250
07/27/05$0.0250
04/27/05$0.0225
02/02/05$0.0200
2004
$0.075010/27/04$0.0200
07/28/04$0.0200
04/28/04$0.0175
01/28/04$0.0175
2003
$0.057510/29/03$0.0163
07/30/03$0.0150
04/30/03$0.0138
01/23/03$0.0125
2002
$0.038710/17/02$0.0125
07/18/02$0.0100
04/17/02$0.0088
01/16/02$0.0075
2001
$0.028810/03/01$0.0075
07/05/01$0.0075
04/04/01$0.0069
01/04/01$0.0069
2000
$0.026310/04/00$0.0069
07/06/00$0.0069
04/05/00$0.0063
01/05/00$0.0063
OZK Stock Splits
4 stock splits
06/24/141:2 split
08/17/110.5:1 split
12/11/030.5:1 split
06/18/020.5:1 split
OZK SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | -- |
08/05/25 | 06/30/25 | 10-Q | -- |
05/06/25 | 03/31/25 | 10-Q | -- |
03/03/25 | 12/31/24 | 13F-HR | |
11/05/24 | 09/30/24 | 13F-HR | |
08/02/24 | 06/30/24 | 13F-HR | |
05/06/24 | 03/31/24 | 13F-HR | |
02/26/24 | 12/31/23 | 13F-HR | |
11/07/23 | 09/30/23 | 13F-HR | |
08/08/23 | 06/30/23 | 13F-HR | |
05/08/23 | 03/31/23 | 13F-HR | |
02/27/23 | 12/31/22 | 13F-HR | |
11/08/22 | 09/30/22 | 13F-HR | |
08/08/22 | 06/30/22 | 13F-HR | |
05/09/22 | 03/31/22 | 13F-HR | |
02/28/22 | 12/31/21 | 13F-HR | |
11/08/21 | 09/30/21 | 13F-HR | |
08/06/21 | 06/30/21 | 13F-HR | |
05/06/21 | 03/31/21 | 13F-HR | |
02/25/21 | 12/31/20 | 13F-HR | |
11/08/20 | 09/30/20 | 13F-HR | |
08/04/20 | 06/30/20 | 13F-HR | |
05/11/20 | 03/31/20 | 13F-HR | |
02/28/20 | 12/31/19 | 13F-HR | |
11/07/19 | 09/30/19 | 13F-HR | |
08/07/19 | 06/30/19 | 13F-HR | |
05/08/19 | 03/31/19 | 13F-HR | |
02/27/19 | 12/31/18 | 13F-HR | |
11/08/18 | 09/30/18 | 13F-HR | |
08/07/18 | 06/30/18 | 13F-HR | |
05/08/18 | 03/31/18 | 13F-HR | |
02/27/18 | 12/31/17 | 13F-HR | |
11/07/17 | 09/30/17 | 13F-HR | |
08/08/17 | 06/30/17 | 13F-HR | |
05/05/17 | 03/31/17 | 10-Q | |
03/01/17 | 12/31/16 | 10-K | |
11/08/16 | 09/30/16 | 10-Q | |
08/08/16 | 06/30/16 | 10-Q | |
05/06/16 | 03/31/16 | 10-Q | |
02/19/16 | 12/31/15 | 10-K | |
11/06/15 | 09/30/15 | 10-Q | |
08/07/15 | 06/30/15 | 10-Q | |
05/08/15 | 03/31/15 | 10-Q | |
02/27/15 | 12/31/14 | 10-K | |
11/07/14 | 09/30/14 | 10-Q | |
08/07/14 | 06/30/14 | 10-Q | |
05/09/14 | 03/31/14 | 10-Q | |
02/28/14 | 12/31/13 | 10-K | |
11/07/13 | 09/30/13 | 10-Q | |
08/09/13 | 06/30/13 | 10-Q | |
05/10/13 | 03/31/13 | 10-Q | |
02/28/13 | 12/31/12 | 10-K | |
11/05/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/10/12 | 03/31/12 | 10-Q | |
02/29/12 | 12/31/11 | 10-K | |
11/08/11 | 09/30/11 | 10-Q | |
08/05/11 | 06/30/11 | 10-Q | |
05/05/11 | 03/31/11 | 10-Q | |
03/10/11 | 12/31/10 | 10-K | |
11/08/10 | 09/30/10 | 10-Q | |
08/09/10 | 06/30/10 | 10-Q | |
05/07/10 | 03/31/10 | 10-Q | |
03/11/10 | 12/31/09 | 10-K | |
11/05/09 | 09/30/09 | 10-Q | |
08/06/09 | 06/30/09 | 10-Q | |
05/07/09 | 03/31/09 | 10-Q | |
03/11/09 | 12/31/08 | Unknown | -- |
11/05/08 | 09/30/08 | Unknown | -- |
08/07/08 | 06/30/08 | Unknown | -- |
05/08/08 | 03/30/08 | Unknown | -- |
03/12/08 | 12/31/07 | Unknown | -- |
11/08/07 | 09/30/07 | Unknown | -- |
08/09/07 | 06/30/07 | Unknown | -- |
05/08/07 | 03/30/07 | Unknown | -- |
03/12/07 | 12/31/06 | Unknown | -- |
11/08/06 | 09/30/06 | Unknown | -- |
08/08/06 | 06/30/06 | Unknown | -- |
05/09/06 | 03/30/06 | Unknown | -- |
03/13/06 | 12/31/05 | Unknown | -- |
11/07/05 | 09/30/05 | Unknown | -- |
08/03/05 | 06/30/05 | Unknown | -- |
05/09/05 | 03/30/05 | Unknown | -- |
03/11/05 | 12/31/04 | Unknown | -- |
11/08/04 | 09/30/04 | Unknown | -- |
08/06/04 | 06/30/04 | Unknown | -- |
05/06/04 | 03/30/04 | Unknown | -- |
03/12/04 | 12/31/03 | Unknown | -- |
11/07/03 | 09/30/03 | Unknown | -- |
08/12/03 | 06/30/03 | Unknown | -- |
05/15/03 | 03/30/03 | Unknown | -- |
03/19/03 | 12/31/02 | Unknown | -- |
11/01/02 | 09/30/02 | Unknown | -- |
08/13/02 | 06/30/02 | Unknown | -- |
05/10/02 | 03/30/02 | Unknown | -- |
03/21/02 | 12/31/01 | Unknown | -- |
11/09/01 | 09/30/01 | Unknown | -- |
08/10/01 | 06/30/01 | Unknown | -- |
05/11/01 | 03/30/01 | Unknown | -- |
03/22/01 | 12/31/00 | Unknown | -- |
11/13/00 | 09/30/00 | Unknown | -- |
08/11/00 | 06/30/00 | Unknown | -- |
05/04/00 | 03/30/00 | Unknown | -- |