COMPARE · Data as of August 27, 2026
BBT vs OZK
Verdict: Side-by-side breakdown using the Bull Rankings model. BBT scored 79.0, OZK scored 74.0 — BBT leads.
Compare another set
BBT
Beacon Financial Corporation
67Fin
$31.54 · $2.6B
fundamentals as of
Strength gap
6.1
OZK leads
OZK
Bank OZK
73.1Fin
$49.44 · $5.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestOZK8.2x
- Fastest growthBBT+55.5%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BBT
OZK
+55.5%A
Rev
+4.2%C+
10.2xA-
P/E
8.2xA
8.4%C+
ROE
11.3%B
1.05A-
P/B
0.91A-
4.1%B+
Yield
3.8%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BBTBeacon Financial Corporation
Why now
Banks - Regional · market cap $2.6b. 4% off the 52-week high of $32.83. Revenue growing +56% — in hypergrowth territory. 6 sell-side analysts publish a mean 1-yr target of $34.83 (implying +10% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
OZKBank OZK
Why now
Banks - Regional · market cap $5.4b. 8% off the 52-week high of $53.66. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $54.67 (implying +11% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.