Bank OZK (OZKAP) Stock Price & Analysis
Bank OZK (OZKAP) — MoonshotScore 80/100 (Exceptional band), calculated Oct 4, 2026. Price $14.88 (+0.81%), as of the Oct 2, 2026 trading session; market cap $5.22B. Expected results Oct 20, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Bank OZK · OZKAP · Financial Services · Banks - Regional
Research dated 2026-09-13: Bank OZK operates as a regional bank providing retail and commercial banking across the South and Southwest United States. The investment thesis turns on whether net interest margin can stabilize despite competitive deposit pricing, and whether credit losses remain benign in a slowing economic cycle.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Bank OZK (OZKAP)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, at a dirt-cheap price, though the balance sheet is only middling, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Growing; Momentum: Falling.
- quarterly revenue $673M (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 4 of 8
- Altman Z 0.41 · Piotroski F 7
Holding back: weak price trend
Helping: business quality, an attractive price
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 81 | Exceptional | |
| 81 | Exceptional | |
| 81 | Exceptional | |
| 81 | Exceptional | |
| 80 | Strong | |
| 80 | Strong |
The score moved from 81 in the stored Oct 3, 2026 snapshot to 80 in the current publication computed Oct 4, 2026 (-1).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $14.88 | |
| Change on the day | +0.81% | |
| 52-week range | $14.60 – $17.85 | |
| Market capitalisation | $5.22B | |
| Price / earnings (trailing) | 7.71 | |
| Shares traded on the day | 32.2K | |
| Beta (volatility vs the S&P 500) | 0.88 | |
| Dividends per share (last 12 months) | $1.16 | |
| Dividend yield (last 12 months) | 7.77% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Chronological order, not a duration scale. The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Bank OZK (OZKAP): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 3, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 3, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the OZKAP film — every key number, told as a short cinematic story
~2 min · open the film
What is Bank OZK (OZKAP), and what does it report?
Short answer · as of
Bank OZK takes deposits from retail and commercial customers and lends into real estate, business, consumer, agricultural, and specialized lending segments including aircraft financing and recreational vehicle lending.
Research dated 2026-09-13.
Bank OZK takes deposits from retail and commercial customers and lends into real estate, business, consumer, agricultural, and specialized lending segments including aircraft financing and recreational vehicle lending. Revenue splits between net interest income from lending spreads and non-interest income from fees and services. Reported earnings measure consolidated profitability after all business segments contribute.
What do the latest results show for Bank OZK (OZKAP)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $673M.
Research dated 2026-09-13.
The most recent quarter showed earnings relatively flat versus the prior quarter, with net interest margin holding despite a competitive deposit environment. The company beat analyst earnings estimates, suggesting cost control is working. Revenue was stable, indicating loan origination is matching runoff in a moderating lending cycle.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $672.89M Jun 30, 2026
- Latest quarter · net income
- $167.37M Jun 30, 2026
- Latest quarter · EPS
- $1.4900 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $672.89M | $167.37M | $1.4900 (diluted) |
| Mar 31, 2026 | $661.55M | $163.36M | $1.4400 (diluted) |
| Dec 31, 2025 | $704.61M | $175.96M | $1.5300 (diluted) |
| Sep 30, 2025 | $731.11M | $184.58M | $1.5900 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $435.80M Jul 21, 2026
- Latest report · revenue estimate
- $436.41M Jul 21, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 21, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 21, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 21, 2026 | $435.80M | $436.41M | $1.4900 | $1.4800 |
| Apr 21, 2026 | $422.30M | $422.97M | $1.4400 | $1.4300 |
| Jan 20, 2026 | $444.56M | $434.61M | $1.5300 | $1.5500 |
| Oct 15, 2025 | $731.11M | $447.36M | $1.6300 | $1.6500 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $673M | $167M | $1.49 (diluted) |
| Q1 FY2026 | $662M | $163M | $1.44 (diluted) |
| Q4 FY2025 | $705M | $176M | $1.53 (diluted) |
| Q3 FY2025 | $731M | $185M | $1.59 (diluted) |
What are the financial strengths and risks for Bank OZK (OZKAP)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price as strengths.
Research dated 2026-09-13.
Operating cash flow remains strong and consistent, covering loan losses and capital needs comfortably. The balance sheet is solid, with capital ratios well above regulatory minimums and deposit base stable. The principal risk is net interest margin compression if the Federal Reserve cuts rates sharply, as deposit competition would remain fierce even as earning asset yields compress.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $204.95M Jun 30, 2026
- Previous quarter · operating cash flow
- $239.03M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $204.95M | −$15.91M |
| Mar 31, 2026 | $239.03M | −$26.98M |
| Dec 31, 2025 | $206.43M | −$31.11M |
| Sep 30, 2025 | $215.27M | −$29.28M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Bank OZK (OZKAP)?
Short answer · as of
The next earnings report is expected on Oct 20, 2026.
Research dated 2026-09-13.
Monitor loan loss provisions in the next quarters as potential credit stress signals. Watch net interest margin trends, as further deposit outflows or repricing pressure would signal a deteriorating competitive position. Dividend is maintained at a modest level, so coverage is robust and cuts are unlikely absent a credit event.
What the records here don't tell us
- No insider Form 4 transaction falls inside the window this page reads.
Checked against the records this page reads, on the dates shown above.
How does Bank OZK compare with its peers?
Short answer
Bank OZK's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Bank OZK differs from megabank peers in its focus on specialized lending including aircraft, recreational vehicles, and homebuilder financing. These niches have deeper margins than commodity commercial real estate but carry idiosyncratic risks if the underlying asset class cools. Regional banks face deposit competition from national peers and fintech disruption, but OZK's brand strength and market position in its footprint provide defensibility.
| Company | Price | Market value | Score |
|---|---|---|---|
| $53.11 Oct 2, 2026 | $5.90B | 95 5-pillar Oct 4, 2026 | |
| $63.17 Oct 2, 2026 | $9.22B | 94 5-pillar Oct 4, 2026 | |
| $60.84 Oct 2, 2026 | $4.08B | 93 5-pillar Oct 4, 2026 | |
| $22.28 Oct 2, 2026 | $3.20B | 93 5-pillar Oct 4, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 4, 2026 | |
| $27.04 Oct 2, 2026 | $4.13B | 92 5-pillar Oct 4, 2026 | |
| $25.11 Oct 2, 2026 | $4.14B | 91 5-pillar Oct 4, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 91 5-pillar Oct 4, 2026 | |
| $45.93 Oct 2, 2026 | $2.69B | 91 5-pillar Oct 4, 2026 | |
| $38.11 Oct 2, 2026 | $3.65B | 90 5-pillar Oct 4, 2026 | |
| $34.11 Oct 2, 2026 | $4.08B | 89 5-pillar Oct 4, 2026 | |
| $22.58 Oct 2, 2026 | $2.94B | 89 5-pillar Oct 4, 2026 | |
| Bank OZK (OZKAP) — this page | $14.88 | $5.22B | 80 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 0.1% Period end Jun 30, 2026
- Previous quarter · ownership
- 0.1% Prior to period end Jun 30, 2026
- Reporting holders
- 1 Period end Jun 30, 2026
- Previous quarter · holders
- 1 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Iat Reinsurance Co Ltd. | 60,000 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Bank OZK (OZKAP)?
Bank OZK Financial Services Stock: Key Questions Answered
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last question is answered from this page's own dated data, not from the research.
What specialized lending does Bank OZK focus on that differentiates it?
The bank emphasizes aircraft financing, recreational vehicle lending, and homebuilder construction loans. These segments have higher yields than commodity real estate lending and attract customers willing to pay for specialized expertise and service. Losses in these segments depend heavily on the underlying asset price cycles.
Is Bank OZK's net interest margin under pressure?
Margins remain stable for now, but deposit competition is intense and rates could compress if competition worsens. The bank's ability to retain core deposits and maintain loan yields will determine whether margins hold.
How does Bank OZK's dividend compare to other regional banks?
OZK pays a modest and stable dividend with excellent coverage from earnings. The payout is lower than some peers, providing buffer if earnings soften and allowing reinvestment in capital and loan growth.
What geographic markets does Bank OZK serve and why do they matter?
The bank operates branches across Arkansas, Florida, Texas, North Carolina, Georgia, and California, concentrating on Sun Belt markets with steady population growth. This geographic mix reduces exposure to older industrial regions but concentrates real estate risk in markets tied to residential construction cycles.
What is the OZKAP stock price today?
The last price recorded on this page for Bank OZK (OZKAP) is $14.88, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (64 figures)
The 64 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Little Rock, AR | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "18000 Cantrell Road, Little Rock, AR, 72223, US". |
FMP — 54 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $14.88 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:47.945Z. | |
px.change | Change on the day | +0.81% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.22B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-04T20:54:46.954Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 20, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$0.12 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $673M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 7.71 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 32.2K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.88 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | George G. Gleason | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 3,280 | FMP | Financial Modeling Prep (FMP) company profile | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.19B, net result $579.00M; FY2022 revenue $1.38B, net result $564.14M; FY2023 revenue $2.25B, net result $690.78M; FY2024 revenue $2.77B, net result $716.46M; FY2025 revenue $2.81B, net result $715.48M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $672.89M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $167.37M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $1.4900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $661.55M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $163.36M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $1.4400 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $704.61M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $175.96M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $1.5300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $731.11M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $184.58M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $1.5900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-21.revenue_actual | Revenue · reported — report date 2026-07-21 | $435.80M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.revenue_estimated | Revenue · estimate — report date 2026-07-21 | $436.41M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_actual | EPS · reported — report date 2026-07-21 | $1.4900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_estimated | EPS · estimate — report date 2026-07-21 | $1.4800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_actual | Revenue · reported — report date 2026-04-21 | $422.30M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_estimated | Revenue · estimate — report date 2026-04-21 | $422.97M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_actual | EPS · reported — report date 2026-04-21 | $1.4400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_estimated | EPS · estimate — report date 2026-04-21 | $1.4300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.revenue_actual | Revenue · reported — report date 2026-01-20 | $444.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.revenue_estimated | Revenue · estimate — report date 2026-01-20 | $434.61M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.eps_actual | EPS · reported — report date 2026-01-20 | $1.5300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.eps_estimated | EPS · estimate — report date 2026-01-20 | $1.5500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_actual | Revenue · reported — report date 2025-10-15 | $731.11M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_estimated | Revenue · estimate — report date 2025-10-15 | $447.36M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_actual | EPS · reported — report date 2025-10-15 | $1.6300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_estimated | EPS · estimate — report date 2025-10-15 | $1.6500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $204.95M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $239.03M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$15.91M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$26.98M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $206.43M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$31.11M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $215.27M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$29.28M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
own.institutions.depth.ownership_pct | Institutional ownership | 0.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 0.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Iat Reinsurance Co Ltd. — shares in provider snapshot | 60,000 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-10 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.41 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-08-09 · Expired observation | |
px.range52 | 52-week range | $14.60 – $17.85 | UNRECORDED | Stored company-profile observation — Captured 2026-10-03 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.16 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 7.77% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-21.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($435.80M) with the recorded estimate ($436.41M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-21.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.4900) with the recorded estimate ($1.4800) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 80 of 100 · Exceptional · pillars 81 / 46 / 98 / 64 / 19 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 81 (stored snapshot Oct 3, 2026) → 80 (current publication computed Oct 4, 2026) (-1) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-21. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-21.revenue_actual,earn.history.depth.2026-07-21.revenue_estimated,earn.history.depth.2026-07-21.revenue_actual.comparison,earn.history.depth.2026-07-21.eps_actual.comparison,earn.history.depth.2026-07-21.eps_actual,earn.history.depth.2026-07-21.eps_estimated,earn.history.depth.2026-04-21.revenue_actual,earn.history.depth.2026-04-21.revenue_estimated,earn.history.depth.2026-04-21.eps_actual,earn.history.depth.2026-04-21.eps_estimated,earn.history.depth.2026-01-20.revenue_actual,earn.history.depth.2026-01-20.revenue_estimated,earn.history.depth.2026-01-20.eps_actual,earn.history.depth.2026-01-20.eps_estimated,earn.history.depth.2025-10-15.revenue_actual,earn.history.depth.2025-10-15.revenue_estimated,earn.history.depth.2025-10-15.eps_actual,earn.history.depth.2025-10-15.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Bank OZK operates as a comprehensive financial institution, providing a wide array of retail and commercial banking solutions. Its deposit offerings are diverse, encompassing non-interest-bearing checking, interest-bearing transaction accounts, business sweep accounts, savings, money market, and individual retirement accounts, alongside various time deposit options. The company's lending portfolio is equally broad, extending financing for real estate, consumer and business purposes, recreational vehicles and marine assets, commercial and industrial ventures, and agricultural operations. They also provide government-guaranteed loans, small business loans, homebuilder financing, and affordable housing solutions. Furthermore, Bank OZK supports business aviation and offers subscription financing services, in addition to a range of mortgage and other specialized lending products. Beyond core banking, Bank OZK delivers extensive trust and wealth management services. These include managing personal, custodial, investment, and retirement accounts. For corporate clients, it provides corporate trust services, such as acting as trustee, paying agent, and registered transfer agent, among other related offerings. Its treasury management services are designed to support business operations, featuring automated clearing house (ACH) transactions, wire transfers, detailed transaction reporting, wholesale lockbox services, and remote deposit capture. The bank also facilitates automated credit line transfers, reconciliation services, positive pay systems, and merchant and commercial card services, in addition to zero balance and investment sweep accounts. Complementing these services are essential banking conveniences like ATMs, telephone, online, and mobile banking platforms, as well as debit and credit cards, and safe deposit boxes. Bank OZK also processes merchant debit and credit card transactions. As of December 31, 2021, Bank OZK maintained a network of approximately 240 branches situated across several states, including Arkansas, Georgia, Florida, North Carolina, Texas, South Carolina, California, New York, and Mississippi. The institution, initially established as Bank of the Ozarks in 1903, rebranded to Bank OZK in July 2018. Its corporate headquarters are located in Little Rock, Arkansas. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Trailing twelve-month ratio set | Debt to equity: 0.11; Net margin: 25%; Gross margin: 56%; Operating margin: 32.3%; Return on assets: 1.7%; Return on equity: 11.2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-21 | FMP | Financial Modeling Prep (FMP) earnings |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $668.23M; Liquidity basis: cash and short-term investments; Total liabilities: $35.43B; Cash and short-term investments: $1.55B; Cash and investments: $38.94B; Long-term investments: $37.38B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-03 | FMP | Financial Modeling Prep (FMP) dividend history |
| SEC filing business address | 18000 CANTRELL ROAD, LITTLE ROCK, AR, 72223 The SEC filer business address. Our market-data provider separately lists "18000 Cantrell Road, Little Rock, AR, 72223, US". | 2026-09-13 | OFFICIAL | SEC EDGAR filer business address |
Data provided for informational purposes only.