Bank Ozk (OZK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank Ozk stock (OZK) is currently trading at $45.02. Bank Ozk PE ratio is 7.14. Bank Ozk PS ratio (Price-to-Sales) is 3.21. Analyst consensus price target for OZK is $54.22. WallStSmart rates OZK as Hold.
- OZK PE ratio analysis and historical PE chart
- OZK PS ratio (Price-to-Sales) history and trend
- OZK intrinsic value — DCF, Graham Number, EPV models
- OZK stock price prediction 2025 2026 2027 2028 2029 2030
- OZK fair value vs current price
- OZK insider transactions and insider buying
- Is OZK undervalued or overvalued?
- Bank Ozk financial analysis — revenue, earnings, cash flow
- OZK Piotroski F-Score and Altman Z-Score
- OZK analyst price target and Smart Rating
Bank Ozk
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OZK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank Ozk (OZK)
OZK trades 16% above its Graham fair value of $42.57, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank Ozk (OZK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Bank Ozk (OZK) Key Strengths (5)
Keeps $59 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $46 of every $100 in revenue as net profit
98.64% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Bank Ozk (OZK) Areas to Watch (5)
Earnings declining -1.30%, profits shrinking
Revenue growing slowly at 4.00% annually
Paying a premium for growth, expensive relative to earnings expansion
Moderate profitability with room for improvement
Revenue is fairly priced at 3.21x sales
Bank Ozk (OZK) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.4/10) while 5 fall into concern territory (avg 3.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.85) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 58.60%, Profit Margin at 46.00%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (2.76), Price/Sales (3.21) suggest expensive pricing. Growth concerns include Revenue Growth at 4.00%, EPS Growth at -1.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OZK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OZK's Price-to-Sales ratio of 3.21x sits near its historical average of 3.22x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.35x set in Mar 2026, and 3% above its historical low of 3.12x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank Ozk (OZK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Bank Ozk operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.6B with 4% growth year-over-year. Profit margins are strong at 46.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 46.0% and operating margin of 58.6% demonstrate strong pricing power and operational efficiency.
Generating 175M in free cash flow and 206M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Bank Ozk.
Bottom Line
Bank Ozk offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:12:15 AM
About Bank Ozk(OZK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Bank OZK offers a variety of retail and commercial banking services. The company is headquartered in Little Rock, Arkansas.