COMPARE · Data as of August 28, 2026
OZK vs PFS
Verdict: Side-by-side breakdown using the Bull Rankings model. OZK scored 74.0, PFS scored 83.0 — PFS leads.
Compare another set
OZK
Bank OZK
73.1Fin
$49.40 · $5.4B
fundamentals as of
Strength gap
1.3
OZK leads
PFS
Provident Financial Services, Inc.
71.8Fin
$23.56 · $3.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestOZK8.2x
- Fastest growthPFS+25.3%
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
OZK
PFS
+4.2%C+
Rev
+25.3%A-
8.2xA-
P/E
9.8xA-
11.3%B
ROE
11.1%B
0.91A-
P/B
1.06A-
3.8%B+
Yield
4.1%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
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.
PFSProvident Financial Services, Inc.
Why now
Banks - Regional · market cap $3.1b. 8% off the 52-week high of $25.49. Revenue growing +25% — in hypergrowth territory. 6 sell-side analysts publish a mean 1-yr target of $27.92 (implying +18% upside).
Moat
Net margin 35% 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.