Is Bank OZK (OZK) Overvalued?
We dive into why Bank OZK (OZK) could be considered overvalued on 2026-07-28, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
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Financial Summary
| Share Statistics | OZK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $5,594.9 | $716.9 | 69% |
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| Shares Out (Mil) | 110.9 | 15.7 | 64% |
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| Institutional Ownership | 93.2% | 83.0% | 63% |
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| Float (Mil) | 100.6 | 21.2 | 61% |
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| Beta | 0.88 | 0.48 | 52% |
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| Avg Daily Volume (000s) | 1,384 | 53 | 76% |
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| Price Change (52-week) |
2.8% | 96.7% | 48% |
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| Growth | OZK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 14.8% | 7.6% | 72% |
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| Net Income (5yr) | 19.6% | 11.1% | 72% |
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| EPS (5yr) | 22.3% | 10.1% | 71 |
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| Dividends (5yr) | 10.1% | 3.6% | 88% |
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| Cash Flow (5yr) | (41.6%) | (17.0%) | 10% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 8 | 9 | 10 | |
| Current EPS | $1.426 | $5.802 | $6.108 | |
| Month Ago EPS | $1.502 | $5.941 | $6.407 | |
| # Rev Up | 1 | 0 | 0 | |
| # Rev Down | 0 | 1 | 2 | |
| Three Months Ago EPS | $1.501 | $5.934 | $6.416 | |
| Year/Year Chg | (1.0%) | (6.1%) | 12.8% | |
| Financials | OZK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,561 | $190 | 57% |
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| Net Income (TTM) (Mil) | $707 | $51 | 83% |
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| EPS (TTM) | $6.170 | $2.500 | 89% |
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| Operating Cash Flow (TTM) (Mil) | $808 | $34 | 78% |
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| Net Cash Flow (TTM) (Mil) | ($676) | $1 | 5% |
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| Long-Term Debt (Q1) (Mil) | $668 | $100 | 62% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OZK | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.96 | 1.27 | 22% |
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| P/E | 8.3 | 12.9 | 10% |
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| Dividend Yield | 3.7% | 2.2% | 89% |
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| PEG (5yr hist) | 0.4 | 1.1 | 17% |
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| Ratios | OZK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 44.5% | 28.9% | 96% |
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| ROA | 1.7% | 1.0% | 54% |
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| ROE | 12.5% | 11.1% | 65% |
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| Liabilities to Assets | 85.2% | 89.8% | 79% |
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| F-Score | 4 | 4 | 34% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Dividend (High Relative Yield) Screen
Factors: Yield, Value, Growth
Using the dividend-yield approach to invest during volatile markets.
| Performance Since Inception: | 9.1% |
| +/- S&P 500: | +1.6 |
