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Bank OZK

NSQ:OZK · US06417N1037
BanksSmall

360

61
Profit price100
Cash yield95
Price/Sales51
EV / Gross Profit85
Price/Book86
Returns on capital91
Profit margins—
Cash Conversion66
Accruals10
Owner Earnings Margin93
Sales growth6
Profit Growth84
Owner Earnings Growth9
Reinvestment84
Price momentum18
Debt load64
Debt serviceability58
Liquidity56
Analyst ratings25
Opinion Changes50
Price Target Upside23
Market mood97
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Bank OZK clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1981
Employees2,415
Websiteozk.com
ISINUS06417N1037
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P MIDCAP (USA)D.J. US Regional Banks
Themes
Utility Scale SolarBankingFinanceFinancial Services

Description

Bank OZK provides various retail and commercial banking services for individuals and businesses in the United States. Business Segments The company operates exclusively as a commercial bank, structuring its services around a single business segment…

Analysis

Hidden champion

Bank OZK fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.6×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
90
2023202420252026

All-time high

90

Jun 2026

All-time low

45

Jan 2023

Average rank

73

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
51
38
15
3
Price/Earnings
95
95
87
47
Price/Book
86
64
34
36
Dividend Yield
95
66
42
67
Value (overall)
92
79
34
31

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →