Bank OZK (OZK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Bank OZK

NasdaqGS•Financial Services•Banks - Regional

$47.88+0.04(<0.01%)After hours

Market Cap

$5.25B

P/E

7.6x

P/S

1.9x

P/B

0.8x

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.

How this company scores

GoodMetricSide Score: 66/100

Strongest: Balance Sheet & Red Flags (21/25); weakest: Growth (10/25).

Profitability14/25

Growth10/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality21/25

Strengths

Strong marginsLow leverageCash-backed earningsConsistent free cash flow

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.2x5y range 6.2x – 10.4x

Currently near its 20-quarter median.

P/S · 2.0x5y range 1.8x – 5.1x

Currently near its 20-quarter median.

P/B · 0.9x5y range 0.8x – 1.3x

Price & Volume

Market Cap $5.25B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.77B
Q. Revenue: $672.89M
TTM EBITDA: $999.49M
TTM Op. Income: $896.13M
Q. Op. Income: $213.77M
TTM Net Income: $691.28M
Q. Net Income: $167.37M
EPS: N/A
Shares Out.: $109.70M

$2.77B in TTM revenue declined 0.4% YoY, reaching $672.89M last quarter. TTM EBITDA of $999.49M and TTM operating income of $896.13M show growth is flowing through to the bottom line. TTM net income of $691.28M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 37.9%
Op. Margin: 31.8%
Net Margin: 24.9%

Op. margin of 31.8% is down 2.5% YoY — costs are rising relative to revenue. Net margin at 24.9% Across the last 8 quarters, operating margin has fallen for 4 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.2x
P/S Ratio: 2.0x
P/B Ratio: 0.9x

At 8.2x P/E, the stock trades below typical market levels. P/S of 2.0x and P/B of 0.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 10% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $41.70B
Cash: $1.55B
Long-Term Debt: $463.93M
Book Value: $6.28B
D/E Ratio: 0.1
Debt/EBITDA: 1.8

With $41.70B in assets and $463.93M in long-term debt, D/E is 0.1and book value is $6.28B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 65% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

TTM Free Cash Flow: $762.42M
FCF Margin: 27.5%
FCF / Net Income: 1.1

TTM FCF of $762.42M. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 2% — an improving trend.