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Data-driven stock valuation

Bank Ozk (OZK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Ozk stock $58.97, price $50.64, upside +16.4%, quality 60 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BO Bank Ozk logo Broad data Nov 8, 2026

Bank Ozk

OZK · US
Undervalued, in an uptrend

The stock costs 14% less than our calculation considers fair.

Fair value $58.97 · Undervalued
Quality 60/100
Healthy Growth (revenue 5y +19.0 %/yr in USD)
Highly profitable · 43.8% net margin (TTM)
3.7% dividend yield · Low payout
Ranks above peers (12/15)
Wide moat 65/100
Broad data
Costs just 8.4 times its yearly profit.

Risks from the AI analysis

🚩Recent modification to RaDD project construction loan🚩Real estate debt funds crowding construction lending
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$52.52 $27.42 Fair Value $58.97 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $27.42 – $52.52 · fair‑value band $51.12 – $80.53 · the $50.64 price screens below the $58.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services.

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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.

Stock analysis

Bank Ozk (OZK) currently trades at $50.64, while our model-based Fair Value estimate is $58.97, implying the stock looks roughly 14% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $70.87 per share, and 3 of the 6 models we run sit above the $50.64 price.

Bear case: the Dividend Discount group reads lowest at $32.02, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $51.12 (bear) to $80.53 (bull), the price of $50.64 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

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.

Key figures

Market cap $5.6B Mid · P/E ratio 8.4 · P/S ratio 3.60 · EPS (TTM) $6.06 · Dividend yield 3.7% · Net margin 43.8% · Return on equity 11.0% · Return on assets (EBIT) 2.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (medium confidence).

What moves the price

The share trades about 4% 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 −28% fair-value upside, at 16%, OZK screens cheaper than that median.

Fair Value models

Bear $51.12 Fair Value $58.97 Bull $80.53
Price $50.64 · Upside +16.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.60 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $51.12 $58.97 $80.53 76
Gordon GGM $17.25 $34.35 $51.98 67
DDM Multi-Stage $17.25 $29.69 $36.26 67
All 6 models by family
Dividend Discount
Gordon GGM $17.25 $34.35 $51.98 67
DDM Multi-Stage $17.25 $29.69 $36.26 67
Multiples
P/E Multiple $64.36 $85.81 $107.26 63
P/B Multiple $41.95 $55.93 $69.91 55
Asset-Based
NCAV (Graham) $25.23 $33.80 $50.45 54
Economic Profit
Residual Income $51.12 $58.97 $80.53 76

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 83
Do the profits arrive as real cash?
Financial strength 23
Debt, balance sheet and risk of trouble
Investment 58
Does it invest with discipline instead of growing at any price?
Low Volatility 74
How calm the share price moves, does not count
Price momentum 44
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 69
Distance to the 52-week high, does not count
New shares 99
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.0%
Start year 2020 (pandemic). Over 10 years: +18.7% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.1%
Dividend (yield on the price)3.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.14.1% vs 11.8%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 33%
Pace: the 5-year rate starts in 2020 (pandemic)

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Note from the team Oct 11, 2026
AI conclusion: Regional banking operations deliver consistent dividend growth and stable income from corporate lending, but the absence of distinctive moats in innovation or human capital limits long-term resilience.
Main risk: Private real estate debt funds could provide cheaper or more flexible financing alternatives that accelerate loan payoffs and shrink demand for Bank OZK's large construction loans in its Real Estate Specialties Group.
Bull case: Bank OZK could accelerate its shift to corporate and institutional banking, leveraging its expertise and deposit base to build a diversified loan portfolio that offsets any contraction in real estate lending.
Bear case: If real estate debt funds continue to dominate, Bank OZK's specialty construction lending could contract sharply, pressuring margins and forcing greater reliance on lower-yielding segments with limited track record.
Bank OZK has now raised its common dividend for 65 straight quarters while shifting more lending toward corporate and institutional borrowers. Yet a large construction loan linked to the struggling RaDD project in San Diego recently required a short-term modification that analysts called a last-minute stopgap. Will the bank's credit controls contain any fallout from its real estate book or will rising workout needs offset the income stability?
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Peer Groupⓘ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.Banks - Regional · 996 stocks

Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +16.4% · Top 25%
Profitability
Return on equity (12 months) 11.0% · Above median
Return on assets 1.8% · Top 25%
Net margin (12 months) 43.8% · Top 25%
Operating margin (12 months) 54.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) −2.5% · Bottom 25%
Dividend yield (12 months) 3.7% · Above median
Balance sheet
Debt / equity 0.08× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.4× · Cheapest 25%
P/B 0.91× · Cheaper than median
P/S (12 months) 3.60× · Pricier than median
Price / free cash flow (fiscal year) 7.6× · Cheaper than median
EV/EBITDA 3.0× · Cheapest 25%
PEG 2.76× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)55 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)44 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)73 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs OZK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs OZK
BNP Paribas SA BNP €91.93 €106.01 +15% vs OZK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs OZK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs OZK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs OZK
Mizuho Financial Group MFG $9.40 $5.90 −37% vs OZK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs OZK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs OZK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs OZK

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Cite: Fair Value Calculator (2026). "Bank Ozk Fair Value". https://www.fairvalue-calculator.com/stock/OZK

Frequently asked questions

Is Bank Ozk (OZK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $58.97 versus a price of $50.64, about +16% upside (undervalued).
What is the fair value of OZK?
Our model-based fair value for Bank Ozk is $58.97 (as of Nov 8, 2026), built from audited fundamentals. The current price: $50.64.
What is the quality score of OZK?
Bank Ozk has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Ozk (OZK)?
Our model-based price target is the fair value of $58.97 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $51.12, optimistic scenario $80.53. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Ozk stock forecast for 2026?
Our models put fair value at $58.97, about +16% upside versus a price of $50.64 (undervalued). Cautious scenario $51.12, optimistic scenario $80.53. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Ozk (OZK)?
Bank Ozk reported trailing-twelve-month revenue of about $1.5B (latest available figure, as of Nov 8, 2026).
Does Bank Ozk pay a dividend?
Bank Ozk currently shows a dividend yield of 3.67% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Bank Ozk (OZK) and when is the ex-dividend date?
Bank Ozk pays a dividend of $1.86 per share a year, a dividend yield of 3.7%. The last ex-dividend date was Oct 13, 2026. A dividend has been paid every year since at least 1997. The payout ratio is 30.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank Ozk (OZK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Ozk it is $58.97 per share (as of Nov 8, 2026), against a price of $50.64. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Ozk stock overvalued or undervalued in 2026?
As of Nov 8, 2026, OZK trades below its calculated fair value: price $50.64, fair value $58.97, a gap of about +16% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OZK?
No. The price is what the market pays today ($50.64); the fair value is what the company's own numbers justify ($58.97). For Bank Ozk the two are $8.33 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Ozk worth?
The market values Bank Ozk at about $5.6B (market capitalisation, as of Nov 8, 2026). Per share that is $50.64; our models calculate a fair value of $58.97 per share.
What do the bullish and bearish scenarios say about OZK?
Our models span a range for Bank Ozk: cautious scenario $51.12, base $58.97, optimistic $80.53 per share (as of Nov 8, 2026, price $50.64). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OZK?
Bank Ozk trades at a price-to-earnings ratio of 8.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $58.97 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.9. Other multiples: PEG 2.8, P/B 0.9, P/S 3.6, EV/EBITDA 3.0.
What is the PEG ratio of OZK?
The PEG ratio of Bank Ozk is 2.76 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank Ozk (OZK)?
Balance-sheet figures for Bank Ozk (as of Nov 8, 2026): return on equity 11.0%, debt of 0.08 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is OZK from its 52-week high?
Bank Ozk trades at $50.64, about 4% below its 52-week high of $52.52 and 24% above the low of $40.97 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $58.97 is for.
Which stocks are comparable to Bank Ozk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Ozk stock attractive at the current price?
The data as of Nov 8, 2026: price $50.64, calculated fair value $58.97 (+16%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OZK calculated?
We run Bank Ozk through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $58.97 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bank Ozk currently trades 14% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Ozk (OZK)?
The closing price on Nov 6, 2026 was $50.64. Our model-based fair value is $58.97, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Ozk right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits below our cautious bear case: the market assumes less than even our pessimistic scenario. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Bank Ozk (OZK) come from?
Earnings per share at Bank Ozk grew +12.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.0 %, EBIT margin −4.7 %, tax rate +1.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Ozk

How large is the market capitalisation of Bank Ozk (OZK)?
The market capitalisation of Bank Ozk is $5.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Ozk (OZK)?
The price-to-sales ratio of Bank Ozk is 3.60 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Ozk (OZK)?
Earnings per share at Bank Ozk are $6.06 (price ÷ EPS = P/E 8.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Ozk (OZK)?
The dividend yield of Bank Ozk is 3.7% (payout 30.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Ozk (OZK)?
The net margin of Bank Ozk is 43.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Ozk (OZK)?
The return on equity (ROE) of Bank Ozk is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Ozk (OZK)?
On an EBIT basis the return on assets of Bank Ozk is 2.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Ozk (OZK)?
The operating margin of Bank Ozk is 54.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Ozk (OZK)?
Revenue at Bank Ozk is growing −2.5% versus a year earlier (3y avg +26.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Ozk (OZK)?
Earnings per share at Bank Ozk are growing −5.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Ozk (OZK) generate?
The free cash flow of Bank Ozk is $732M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Ozk (OZK) carry?
The net debt of Bank Ozk is $464M (fiscal year 2025, ≈ 0.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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