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Bank ozkOZK.US Overview

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OZK Recent Performance

1.85%

Bank ozk

1.79%

Avg of Sector

-0.31%

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OZK Key Information

OZK Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

OZK Profile

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.

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OZK FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OZK Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
6.40
PE Ratio (TTM)
7.51
Forward PE
7.18
PS Ratio (TTM)
3.35
PB Ratio
0.95
Price-to-FCF
7.19
METRIC
VALUE
vs. INDUSTRY
Gross Margin
55.43%
Net Margin
25.50%
Revenue Growth (YoY)
1.15%
Profit Growth (YoY)
4.91%
3-Year Revenue Growth
25.33%
3-Year Profit Growth
2.91%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
6.40
PE Ratio (TTM)
7.51
Forward PE
7.18
PS Ratio (TTM)
3.35
PB Ratio
0.95
Price-to-FCF
7.19
Gross Margin
55.43%
Net Margin
25.50%
Revenue Growth (YoY)
1.15%
Profit Growth (YoY)
4.91%
3-Year Revenue Growth
25.33%
3-Year Profit Growth
2.91%

  • When is OZK's latest earnings report released?

    The most recent financial report for Bank ozk (OZK) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OZK's short-term business performance and financial health. For the latest updates on OZK's earnings releases, visit this page regularly.

  • Where does OZK fall in the P/E River chart?

    According to historical valuation range analysis, Bank ozk (OZK)'s current price-to-earnings (P/E) ratio is 7.22, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of OZK?

    According to the latest financial report, Bank ozk (OZK) reported an Operating Profit of 228.43M with an Operating Margin of 32.42% this period, representing a decline of 2.81% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OZK's revenue growth?

    In the latest financial report, Bank ozk (OZK) announced revenue of 704.61M, with a Year-Over-Year growth rate of 1.3%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • Does OZK go with three margins increasing?

    In the latest report, Bank ozk (OZK) achieved the “three margins increasing” benchmark, with a gross margin of 55.36%%, operating margin of 32.42%%, and net margin of 24.97%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OZK's profit trajectory and future growth potential.

  • Is OZK's EPS continuing to grow?

    According to the past four quarterly reports, Bank ozk (OZK)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 1.54. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OZK?

    Bank ozk (OZK)'s Free Cash Flow (FCF) for the period is 186M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 27.9% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of OZK?

    The latest valuation data shows Bank ozk (OZK) has a Price-To-Earnings (PE) ratio of 7.22 and a Price/Earnings-To-Growth (PEG) ratio of -1.92. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.