Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Hilltop Holdings Inc. or Bank OZK because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Hilltop Holdings Inc. and Bank OZK compare based on key financial metrics to determine which better meets your investment needs.

About Hilltop Holdings Inc. and Bank OZK

Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. 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.

Latest Banks and Hilltop Holdings Inc., Bank OZK Stock News

As of September 4, 2026, Hilltop Holdings Inc. had a $2.2 billion market capitalization, compared to the Banks median of $767.9 million. Hilltop Holdings Inc.’s stock is up 15.6% in 2026, up 1.9% in the previous five trading days and up 9.79% in the past year.

Currently, Hilltop Holdings Inc.’s price-earnings ratio is 14.5. Hilltop Holdings Inc.’s trailing 12-month revenue is $1.3 billion with a 12.7% net profit margin. Year-over-year quarterly sales growth most recently was 5.2%. Analysts expect adjusted earnings to reach $2.407 per share for the current fiscal year. Hilltop Holdings Inc. currently has a 2.2% dividend yield.

As of September 4, 2026, Bank OZK had a $5.5 billion market cap, putting it in the 68th percentile of all stocks. Bank OZK’s stock is up 9.6% in 2026, up 2.1% in the previous five trading days and down 4.72% in the past year.

Currently, Bank OZK’s price-earnings ratio is 8.3. Bank OZK’s trailing 12-month revenue is $1.6 billion with a 44.5% net profit margin. Year-over-year quarterly sales growth most recently was -2.1%. Analysts expect adjusted earnings to reach $5.780 per share for the current fiscal year. Bank OZK currently has a 3.8% dividend yield.

How We Compare Hilltop Holdings Inc. and Bank OZK Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Hilltop Holdings Inc. and Bank OZK’s stock grades to see how they measure up against one another.

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Hilltop Holdings Inc. and Bank OZK Growth Grades

Company	Ticker	Growth
Hilltop Holdings Inc.	HTH	F
Bank OZK	OZK	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Hilltop Holdings Inc. has a Growth Score of 8, which is Very Weak. Bank OZK has a Growth Score of 83, which is Very Strong.

The Growth Grade Winner: Bank OZK

As you can clearly see from the Growth Grade breakdown above, Bank OZK has a more attractive growth grade than Hilltop Holdings Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Bank OZK could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Hilltop Holdings Inc. and Bank OZK’s Momentum Grades

Company	Ticker	Momentum
Hilltop Holdings Inc.	HTH	C
Bank OZK	OZK	D

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Hilltop Holdings Inc. has a Momentum Score of 50, which is Average. Bank OZK has a Momentum Score of 36, which is Weak.

The Momentum Stock Winner: No Clear Winner

Neither Hilltop Holdings Inc. or Bank OZK has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Hilltop Holdings Inc. or Bank OZK is the better investment when it comes to momentum.

Hilltop Holdings Inc. and Bank OZK’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Hilltop Holdings Inc.	HTH	C
Bank OZK	OZK	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Hilltop Holdings Inc. has a Earnings Estimate Score of 56, which is Neutral. Bank OZK has a Earnings Estimate Score of 32, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Hilltop Holdings Inc. or Bank OZK has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Hilltop Holdings Inc. or Bank OZK is the better investment when it comes to estimate revisions.

Other Hilltop Holdings Inc. and Bank OZK Grades

In addition to Growth, Estimate Revisions and Momentum, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Hilltop Holdings Inc. and Bank OZK pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Hilltop Holdings Inc. or Bank OZK Stock?

Overall, Hilltop Holdings Inc. stock has a Growth Score of 8, Momentum Score of 50 and Estimate Revisions Score of 56.

Bank OZK stock has a Growth Score of 83, Momentum Score of 36 and Estimate Revisions Score of 32.

Comparing Hilltop Holdings Inc. and Bank OZK’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.