WallStSmart

Bank Ozk (OZK)vsU.S. Bancorp (USB)

VS
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Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 1696% more annual revenue ($27.89B vs $1.55B). OZK leads profitability with a 44.5% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).

OZK

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 5.7Quality: 5.8
Piotroski: 5/9Altman Z: 0.38

USB

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OZK5 strengths · Avg: 9.8/10
P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
44.5%10/10

Keeps 45 of every $100 in revenue as profit

Operating MarginProfitability
55.6%10/10

Strong operational efficiency at 55.6%

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

USB6 strengths · Avg: 9.2/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Market CapQuality
$91.50B9/10

Large-cap with strong market position

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.82B8/10

Generating 4.8B in free cash flow

Areas to Watch

OZK4 concerns · Avg: 2.0/10
PEG RatioValuation
2.762/10

Expensive relative to growth rate

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

EPS GrowthGrowth
-5.7%2/10

Earnings declined 5.7%

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : OZK

The strongest argument for OZK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 44.5% and operating margin at 55.6%.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.

Bear Case : OZK

The primary concerns for OZK are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

OZK profiles as a declining stock while USB is a mature play — different risk/reward profiles.

USB carries more volatility with a beta of 1.02 — expect wider price swings.

USB is growing revenue faster at 8.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (73/100 vs 62/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bank Ozk

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank OZK offers a variety of retail and commercial banking services. The company is headquartered in Little Rock, Arkansas.

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U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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