Bank OZK OZK
Composite 61/100; the shares have moved about 22% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 41/100 — a slight mark against it.
Income ranks 80/100 — a strong point in its favour. Valuation ranks 78/100 — a strong point in its favour. Quality ranks 69/100 — a moderate point in its favour.
Growth ranks 41/100 — a slight mark against it.
What the company does Bank OZK is an Arkansas state-chartered bank offering full-service retail and commercial banking, including deposit services, wealth management, treasury services, and various loan products such as real estate, consumer, and small business loans.
Key financials Bank OZK reports ROE of 11.3% and ROA of 1.7%, with net margins at 44.5%. Revenue declined -2.1% and EPS fell -5.7%, while dividend yield stands at 3.6% with a payout ratio of 28.9%. Quality score is 66.8, but growth score is low at 23.7.
Stock health The stock shows mixed momentum: up 7.34% over 3 months and 10.49% over 6 months, but down -3.71% from its 52-week high. Valuation metrics include a forward P/E of 7.22 and PEG of 0.54, with a strong income score of 88.4.
Price vs fair value The stock trades at a **discount** of 67.30% to our fair-value estimate of 85.65 and a **discount** of 5.88% to the analyst 12-month target of 54.22. - Strong income profile supports valuation (Sideravia Income 88.4) - Low growth score (23.7) may explain part of the discount - High valuation percentile (76.5) suggests relative cheapness - Net margins at 44.5% are above regional peers
Looking forward Forward P/E of 7.22 and PEG of 0.54 indicate potential value, but weak revenue and EPS growth (-2.1%, -5.7%) may cap near-term upside. Dividend sustainability is supported by a conservative payout ratio of 28.9%.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.