-0.16%
15.48%
15.85%
17.73%
20.90%
7.11%
86.66%
AI Spotlight on OZK
Company Description
Bank OZK provides various retail and commercial banking services.It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits.The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products.
In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services.Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts.Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions.
As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi.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.
Market Data
| Last Price | 50.79 |
| Change Percentage | -0.16% |
| Open | 50.96 |
| Previous Close | 50.87 |
| Market Cap ( Millions) | 5761 |
| Volume | 1466349 |
| Year High | 51.61 |
| Year Low | 37.43 |
| M A 50 | 47.11 |
| M A 200 | 44.27 |
Financial Ratios
| FCF Yield | 13.95% |
| Dividend Yield | 3.19% |
| ROE | 13.26% |
| Debt / Equity | 11.10% |
| Net Debt / EBIDTA | -255.93% |
| Price To Book | 1.03 |
| Price Earnings Ratio | 8.14 |
| Price To FCF | 7.17 |
| Price To sales | 2.12 |
| EV / EBITDA | 4.61 |
News
- Jan -21 - 5 Ideal Buys From 14 'Safer' January Dividends On Bloomberg 2025 Watch List Of 50
- Jan -20 - Bank OZK Q4 Results: Credit Quality Proves Resilient
- Jan -17 - Bank OZK (OZK) Q4 2024 Earnings Call Transcript
- Jan -17 - Bank OZK's Q4 Earnings Beat on Higher NII & Lower Expenses Y/Y
- Jan -17 - Here's What Key Metrics Tell Us About Bank OZK (OZK) Q4 Earnings
- Jan -16 - Bank OZK (OZK) Q4 Earnings and Revenues Beat Estimates
- Jan -16 - Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings
- Jan -16 - Bank OZK Fourth Quarter and Full Year 2024 Management Comments
- Jan -13 - Unlocking Q4 Potential of Bank OZK (OZK): Exploring Wall Street Estimates for Key Metrics
- Jan -11 - 11 Upcoming Dividend Increases, Including A Dividend King
- Jan -06 - Focus on 3 Stocks That Announced Dividend Hikes Amid Market Volatility
- Jan -03 - Bank OZK Raises Dividend by 2.4% to Reward Shareholders
- Jan -02 - Bank OZK Announces Increase to Quarterly Common Stock Dividend and Announces Preferred Stock Dividend
- Dec -30 - Bank OZK Announces Date for Fourth Quarter and Full Year 2024 Earnings Release and Conference Call
- Dec -27 - Bank OZK: Flat Earnings Aren't A Problem
- Dec -22 - 4 Ideal Buys From 15 'Safer' Dividends On Bloomberg's 50 December 2025 Watchlist
- Nov -26 - Bank OZK Preferred Stock: Correction Presents Big Opportunity For Income-Oriented Investors
- Nov -04 - The Schall Law Firm Urges Investor Participation In An Inquiry Into Bank OZK For Securities Law Violations
- Nov -03 - Bank OZK Is Being Investigated For Securities Fraud And Affected Shareholders Are Encouraged To Contact The Schall Law Firm
- Nov -02 - The Schall Law Firm Urges Investors To Join An Inquiry Into Bank OZK For Securities Law Violations
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail and Commercial Banking
Expected Growth : 10 %
What the company do ?
Retail and Commercial Banking from Bank OZK provides personalized banking services to individuals and businesses, offering loans, deposit accounts, and treasury management solutions.
Why we expect these perspectives ?
Bank OZK's 10% growth in Retail and Commercial Banking is driven by strategic expansion into high-growth markets, increased adoption of digital banking channels, and a strong focus on customer relationships. Additionally, the bank's competitive pricing, diversified loan portfolio, and efficient cost management contribute to its growth momentum.
Bank Ozk Products
| Product Range | What is it ? |
|---|---|
| Commercial Real Estate Loans | Bank OZK provides commercial real estate loans for property acquisition, development, and construction projects. |
| Commercial and Industrial Loans | Bank OZK offers commercial and industrial loans for businesses to finance their operations, expansion, and equipment purchases. |
| Treasury Management Services | Bank OZK's treasury management services help businesses manage their cash flow, optimize liquidity, and reduce financial risk. |
| Private Banking Services | Bank OZK's private banking services provide personalized financial solutions for high-net-worth individuals and families. |
| Wealth Management Services | Bank OZK's wealth management services provide investment management, trust services, and estate planning for individuals and families. |
| Mortgage Lending | Bank OZK offers mortgage lending services for residential and commercial properties. |
| Deposit Services | Bank OZK's deposit services include checking, savings, and time deposit accounts for individuals and businesses. |
Bank OZK's Porter Forces
Threat Of Substitutes
Bank OZK's threat of substitutes is moderate due to the presence of alternative financial institutions and digital banking platforms.
Bargaining Power Of Customers
Bank OZK's customers have limited bargaining power due to the bank's strong brand reputation and diversified product offerings.
Bargaining Power Of Suppliers
Bank OZK has a diversified supplier base, reducing the bargaining power of individual suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share, leading to a high intensity of rivalry.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 29.00% |
| Debt Cost | 6.07% |
| Equity Weight | 71.00% |
| Equity Cost | 10.07% |
| WACC | 8.91% |
| Leverage | 40.84% |
Bank OZK : Quality Control
Bank OZK passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CATY | Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United … |
| FBP | First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six segments: Commercial … |
| IBOC | International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other … |
| FULT | Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, … |
| BPOP | Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands. The company provides savings, NOW, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cathay Bank
A-Score
1-Year Total Return ->
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IBOC
A-Score
1-Year Total Return ->
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Bank OZK
A-Score
1-Year Total Return ->
4
Fulton Financial
A-Score
1-Year Total Return ->
5
First Bank
A-Score
1-Year Total Return ->
6
