Bank OZK (OZK) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Bank OZK

Market cap $6B · 52 weeks $43 – $53 (5 % below the high) · P/E 8.5× · 2027 expected P/E 8.3× · Dividend 3.8 % · 11 years rising · Next earnings January 19, 2027 · expected EPS $1.47 · Closing price, Oct 30 · accounts published Oct 20.

• Valuation: P/B 0.9× (justified).
• Business: ROTCE 13.1 % (passes, near the threshold).
• Balance sheet: Capital/assets 15.0 % (solid).
• Earnings: 6 of 8 (on track).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE 13.1 % (1.3×) $71 (+41 %); at its peers' median (1.4×) $75 (+48 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 5 of 5 pass

• ROA 1.6 %, passes.
• ROTCE 13.1 %, passes, near the threshold.
• Equity / Assets (Tier 1 proxy) 15.0 %, passes.
• P/B (Price / Book) 0.9×, passes.
• Sustainable dividend yield 3.8 %, passes.

Against its peers (reference peers) — Bank OZK: P/E 8.5×; P/B 0.9×; ROE 10.9 %; $5.5B. Ameris Bancorp (P/E 14.4×; P/B 1.3×; ROE 9.4 %; $5.5B), Hancock Whitney Corporation (P/E 14.5×; P/B 1.4×; ROE 9.3 %; $5.8B), Axos Financial, Inc. (P/E 10.3×; P/B 1.6×; ROE 16.3 %; $5.1B).

Expensive or cheap against its last ten fiscal years?

P/B at each close: today 0.9× · median 1.1× · minimum 0.5× · maximum 3.3× · cheap below 0.9× · expensive above 1.4×. It has been cheaper than today only 23% of the time over its last ten fiscal years.

Dividend

solid · Yield 3.8 % ($1.93 per share in 2025) · Years raising it ≥ 11 · 5-year growth +12 % a year · Free cash flow coverage payout 30 % · With $1,000 invested today you'd collect $37.50 a year ($3.12 a month).