Bank OZK (OZK) Fair Value & Analysis

Financial Services · US · Market cap $5.7B

A solid business, screening 66% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($63.90). The market is more pessimistic than our downside scenario.
• Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $27.98 – $53.09 · fair‑value band $63.90 – $106.50 · the $51.41 price screens below the $85.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Bank OZK (OZK) currently trades at $51.41, while our model-based Fair Value estimate is $85.20, implying the stock looks roughly 65.7% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Bank OZK generated revenue of $1.6B at a net margin of 45.3%. Revenue grew 1.4% year over year. It earns a return on equity of 11.8%. Net debt stands at $464M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $63.90 (bear case) to $106.50 (bull case); at $51.41, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 24% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 66%, OZK screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($78.61) versus Dividend Discount ($29.50). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits.

Full company description

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Bank OZK reported revenue of $2.8B in FY2025 versus $1.2B in FY2021, a compound +24.0%/yr. Reported net income was $715M in FY2025, compounding +5.4%/yr from FY2021.

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Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Bank OZK (OZK) Could Be 4% Undervalued As Earnings Put Recent Weakness In Context Yahoo Finance · Jul 23, 2026
• Bank OZK (OZK) Q2 2026 Earnings Call Highlights: Strong CIB Growth and Strategic Buybacks Amid ... Yahoo Finance · Jul 22, 2026
• Bank OZK Q2 Earnings Beat Estimates on Higher Fee Income, Shares Fall Yahoo Finance · Jul 22, 2026
• Here's What Key Metrics Tell Us About Bank OZK (OZK) Q2 Earnings Yahoo Finance · Jul 21, 2026

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.