Accepts various deposit products, including checking, savings, and money market accounts. Offers real estate loans for residential and commercial properties. Now — the numbers.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
The market pays 7.5× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 98% of them.
Analysts' average target sits 15% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 25% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 24% a year on average.
It pays out $1.86 per share each year — regular cash for whoever holds the stock.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 34/100. For a turnaround signal, the stock first needs to close the gap with the market.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 46/100.
On our five-subject report card, OZK sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: OZK is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.