# Bank OZK (OZK) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $50.43, market value $5.5 billion.

## Valuation
- **P/E (trailing): 8.3×** (5-yr avg 7.3×, 3-yr avg 7.2×). Bank OZK trades at 8.3× trailing earnings, close to its own five-year average of 7.3×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.4×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 12.83**. A PEG of 12.83 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 3.2×**. Each dollar of revenue is priced at 3.2×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 13.9%** (5-yr avg 16.0%). Free cash flow equals 13.9% of the market value, in line with its five-year average of 16.0%. Above 5% is generally attractive.
- **Earnings yield: 12.0%**. The inverse of the P/E: 12.0% of the price is earned each year.

## Profitability
- **Net margin: 41.4%**. 41.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.7%**. 11.7% on shareholders' equity is solid.

## Growth
- **Revenue growth (1 yr): 4.2%** (3-yr 11.2%/yr). Revenue grew 4.2% over the last year.
- **EPS growth (1 yr): 0.7%** (3-yr 10.8%/yr). Earnings per share rose 0.7%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -0.2%/yr**. Free cash flow has compounded at -0.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $2.8 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.69%** ($1.82 per share, trailing). Bank OZK yields 3.69%, an income-level yield.
- **Payout ratio: 30%** (29% of free cash flow). 30% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 10.0%/yr** (1-yr 10.1%). The dividend has compounded at 10.0% a year over five years, doubling roughly every 7 years at that pace.

## Analyst view
- **Analyst consensus: hold** (9 analysts). 9 analysts cover Bank OZK; the consensus is hold, with an average price target of $54.67 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -1.0%** (YTD 12.8%, 3-mo 2.6%). The shares are down 1.0% over twelve months including dividends.
- **From 52-week high: -5.6%** (19.0% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.69** (volatility 24%). Beta of 0.69 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OZK · Page: https://foliofundamentals.com/stocks/ozk

Not investment advice.