Bank OZK Common Stock (OZK)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Bank OZK trades for $45.08, a market cap of $5.3B, 7.44 times earnings and 0.83 times book. Those are Graham-style numbers: I am paying less than a dollar for each dollar of accounting net worth and only about seven times the provided EPS figure of $6.06. The 4.35% dividend yield, beta of 0.91 and Piotroski F-Score of 7/9 suggest a bank that is not fragile, though not flawless. The business is a regional, state-chartered Arkansas bank with 3,286 employees, taking deposits and making commercial and retail loans. Its provided ROE of 11.33% is respectable but not elite; over time, a bank must earn above its cost of equity to deserve book value, let alone a premium. The provided revenue growth is only 0.46%, and profit growth is -8.53%, so the current cheapness reflects real deterioration, likely credit or margin pressure we cannot fully diagnose. In the second quarter of 2026, revenue was $430.0M, net income $167.4M, and margin 38.92%—still profitable, but I would want to know whether provisioning is rising. The 52-week range of $42.37 to $53.39 shows Mr. Market is ambivalent. No Peter Lynch category is assigned because there are insufficient filed annual results. Bank-specific measures such as CET1, net interest margin and combined ratio are not in the data; without them, my underwriting-risk judgment is incomplete. I would call this a statistically cheap, average-quality regional bank—not a wide-moat compounder—and demand a margin of safety for credit risk.

In plain English: Bank OZK is a regional bank that takes deposits and makes loans for customers and businesses. The business earns a solid return on shareholders' money, but recent profit slipped even as revenue was almost flat. At the recent price, the stock looks inexpensive compared with its earnings and book value, though banks always carry credit risk.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer