Bank Ozk

Bank OZK maintains a conservative capital structure with total equity of $6.13 billion against total liabilities of $34.66 billion. The debt-to-equity ratio stands at 0.08, indicating minimal leverage relative to equity. Long-term debt is limited to $463.04 million, while the company generates $837.73 million in operating cash flow and $505.90 million in free cash flow. Despite these strong cash generation metrics, the risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt. The current ratio and other short-term liquidity metrics are not explicitly detailed in the snapshot, but the low debt load suggests manageable solvency.

Profitability metrics show a return on equity (ROE) of 11.53% and a return on assets (ROA) of 1.73%. The company reported net income of $715.48 million on revenue of $1.59 billion, implying a net margin of approximately 45%. Without specific cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the ROE and ROA figures are consistent with a stable regional banking profile. The valuation snapshot indicates a price-to-earnings ratio of 8.05 and a price-to-book ratio of 0.93, suggesting the market values the company near its book value.

Revenue concentration by segment or geography is not detailed in the available data. The company operates as a single integrated banking entity, and no specific segment breakdowns are provided to assess diversification risks or regional exposure. Consequently, claims regarding specific geographic or product-line revenue contributions are omitted.

Growth trajectory analysis is limited by the absence of historical period data in the input. The financial snapshot provides only the latest normalized period figures, with no 5-year annual or 8-quarter quarterly trends available to assess revenue or net income momentum. Therefore, no growth rate calculations or trend-based insights are included.

Risk factors include medium liquidity risk and low dilution risk. A key flag indicates that net cash is negative after subtracting total debt, which may impact short-term flexibility despite the low overall leverage. The dilution risk is assessed as low, supported by the fact that basic and diluted shares outstanding are identical at 109.37 million, indicating no significant in-the-money options or convertible securities currently impacting share count.

Recent events include an allocator boost signal with an event value of 7.41, ranked #13, indicating increased coverage interest. Analyst estimates show a mean price target of $53.56 and a median of $53.00, with a mean recommendation of 2.80 (where 1 is strong buy and 5 is strong sell). The analyst consensus includes 1 strong buy, 2 buy, and 6 hold ratings, reflecting a neutral-to-positive outlook.

Bank Ozk (OZK) is undergoing its first formal analysis, establishing a baseline for future performance tracking without prior comparative data. This initial assessment highlights the company's current structural profile, which includes a single reported officer and no active analyst coverage or index memberships. The absence of historical delta computations means that all current metrics serve as the foundational reference point for evaluating the bank's trajectory. A significant development in ownership structure was detected involving investor ID 587, marked as a major severity event. On June 23, 2026, this investor's holding was recorded as increasing to 5,319 shares, valued at approximately $0.24 million, representing a weight of 0.00014% in the portfolio. This adjustment followed a previous record on the same date showing a holding of only 132 shares, valued at roughly $0.006 million, indicating a substantial shift in position size within a short timeframe. The volatility in this specific holder's position underscores the dynamic nature of OZK's shareholder base, which currently comprises 33 top holders. While the broader analyst community has not yet issued estimates or ratings for the ticker, the activity from investor ID 587 provides early insight into institutional or significant individual interest. The rapid fluctuation between 132 and 5,319 shares suggests active trading or reporting corrections that warrant monitoring as the company builds its public financial profile. As Bank Ozk continues to operate without index membership or analyst coverage, these holder changes remain the primary signal of market engagement. The company's financials, ESG metrics, and event history are available for review, but the lack of prior basis for delta computation limits immediate trend analysis. Investors should view these initial holder modifications as the starting point for understanding capital flows into the institution.

Revenue grew at a 12.6% CAGR over four years, demonstrating strong top-line expansion for the bank.

The 11.5% ROE exceeds the 75th percentile of the bank cohort, indicating superior profitability.

Trading at 0.93x tangible book value suggests the stock is undervalued relative to its equity base.

Total assets expanded at an 11.4% CAGR, reflecting significant balance sheet growth over five years.

Net income declined 0.1% year-over-year in the latest period, signaling a halt in earnings growth.

The company faces medium liquidity risk, which could constrain operational flexibility during market stress.

Free cash flow growth of 2.9% lags behind the 12.6% revenue CAGR, indicating margin compression.

Revenue $385.6M, +3,0% YoY; Net income −5,0% YoY.

• ▍Revenue $385.6M, +3,0% YoY
• ▍Net income −5,0% YoY
• ▍Free cash flow −0,4% YoY
• ▍Net margin 42.4%

Revenue $407.0M, +7,3% YoY; Net income −3,4% YoY.

• ▍Revenue $407.0M, +7,3% YoY
• ▍Net income −3,4% YoY
• ▍Free cash flow −5,3% YoY
• ▍Net margin 43.2%

Revenue $413.9M, +6,3% YoY; Net income +1,9% YoY.

• ▍Revenue $413.9M, +6,3% YoY
• ▍Net income +1,9% YoY
• ▍Free cash flow +3,1% YoY
• ▍Net margin 44.6%

Revenue $396.7M, +2,3% YoY; Net income +3,1% YoY.

• ▍Revenue $396.7M, +2,3% YoY
• ▍Net income +3,1% YoY
• ▍Free cash flow +32,0% YoY
• ▍Net margin 46.1%

Revenue $374.5M; Net margin 45.9%.

• ▍Revenue $374.5M
• ▍Net margin 45.9%

Revenue $379.4M; Net margin 48.0%.

• ▍Revenue $379.4M
• ▍Net margin 48.0%

Revenue $389.4M; Net margin 46.5%.

• ▍Revenue $389.4M
• ▍Net margin 46.5%

Revenue $388.0M; Net margin 45.8%.

• ▍Revenue $388.0M
• ▍Net margin 45.8%

Revenue $1.59B, +3,8% YoY; Net income −0,1% YoY.

• ▍Revenue $1.59B, +3,8% YoY
• ▍Net income −0,1% YoY
• ▍Free cash flow +2,9% YoY
• ▍Net margin 44.9%

Revenue $1.53B, +6,5% YoY; Net income +3,7% YoY.

• ▍Revenue $1.53B, +6,5% YoY
• ▍Net income +3,7% YoY
• ▍Free cash flow −1,7% YoY
• ▍Net margin 46.7%

Revenue $1.44B, +26,0% YoY; Net income +22,4% YoY.

• ▍Revenue $1.44B, +26,0% YoY
• ▍Net income +22,4% YoY
• ▍Free cash flow +29,6% YoY
• ▍Net margin 48.0%

Revenue $1.14B, +15,4% YoY; Net income −2,6% YoY.

• ▍Revenue $1.14B, +15,4% YoY
• ▍Net income −2,6% YoY
• ▍Free cash flow −11,2% YoY
• ▍Net margin 49.4%