Bull Rankings model

Bank OZK (OZK) stock analysis

Banks - Regional. Scored on the same transparent model behind the daily rankings.

★
OZK
Bank OZK · Banks - Regional
75.6Financial strength
$45.08Oct 13 close$4.9B
1Y Target$53.78Analyst consensus · 9 analysts
5Y Target$67.89Compound horizon
10Y Target$87.07Long-dated conviction
Rev+4.2%
C+
Revenue +4.2% — steady but below market-beating range
P/E7.4x
A
P/E 7.4 — cheapest decile in Financial Services (≈10th pctile)
ROE11.3%
B
ROE 11.3% — acceptable capital return
P/B0.83
A-
P/B 0.83 — near book, cheap for a profitable franchise
Yield4.4%
B+
Yield 4.4% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 75.6 / 100
Profitability60.3
Value (P/B)91.3
Income84.1

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
16% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Banks - Regional · market cap $4.9b. 16% off the 52-week high of $53.39. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $53.78 (implying +19% 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.
Horizon
1-3 yr $53.78 (9-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $67.89 at ~9% CAGR — dividend compounding plus earnings growth. 10 yr $87.07 if the moat survives secular pressure.
Score history · OZK

Not enough history yet — the model records OZK's score after each daily run, and the chart appears once a few days have accumulated.

OZK at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY60VALUE91COVERED INCOME8475.6/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$45.1LOW $42.4HIGH $53.4Trading at the 25th percentile of its 52-week range ($42.4–$53.4).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-12%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.5%
90-day change-4.7%
Forward EPS estimate$6.06

Over the last 90 days, what analysts expect OZK to earn is drifting lower (-4.7%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · OZK
Shares to buy
44
Position size
$1,984
4.0% of portfolio
Stop price
$33.81
25% below $45.08
$ at risk if stopped
$495.88
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Bank OZK (OZK): score, valuation & FAQ

Bank OZK (OZK) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A), P/B (A-) and Yield (B+).

Is OZK a good stock to buy?

Bull Rankings grades OZK on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), P/B (A-) and Yield (B+). A score is a quantitative screen of Bank OZK's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade OZK?

As a bank, insurer or REIT, OZK isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), P/B (A-) and Yield (B+).

Is OZK overvalued or undervalued?

We don't publish a discounted-cash-flow value for OZK, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. OZK is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in OZK?

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.

New to these metrics? See the guides and the methodology.

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