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Company Analysis

Bank OZK - 4.625% Series A Non- OZKAP

A comprehensive view of key metrics, scores, and financial health for Bank OZK - 4.625% Series A Non-

Overview of Bank OZK

OZKAP NMS
Financial Services Banks - Regional
Bank OZK (OZKAP), in the Banks - Regional industry, last closed at $16.50, about 0.0% overvalued vs fair value, -4.2% 1Y return, placing in the top 25% of its sector.
$16.50
-0.30%
As of March 13, 2026
Previous close • Vol 90d: 11.9%
52-Week Range
Enterprise Value
-
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ozk.com
HQ Little Rock, AR
Employees 3,280
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.6B
24.5%%
Interest Expense
$1.1B
Net Interest Income
$1.5B
6.5%%
Total Revenue
$2.8B
69.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$204.1M
29.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bank OZK - 4.625% Series A Non-'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
85
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OZKAP's balance between Growth (28.6%), Profitability (35.0%), and Safety (36.4%). Growth 29% Safety 36% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

70th percentile vs peers
71
Key Signals
Revenue CAGR 3Y 30.7% 85p Rev Growth YoY 69.2% 62p Asset Growth YoY 6.6% 66p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (30.7%, 85th percentile)
  • Roe in top 20% of peers (13.2%, 84th percentile)
  • Roa in top 20% of peers (2.0%, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

86th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

89th percentile vs peers
90
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bank OZK - 4.625% Series A Non-.

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This company cannot be valued using standard models.

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Fair Value Range Current: $-
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