Bank OZK/$OZK
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About Bank OZK
Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks. The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It provides a range of banking services which include deposit services such as checking, savings, money market, time deposit, and individual retirement accounts to loan services like real estate, consumer, commercial, and industrial loans. Apart from providing traditional banking products and services it also provides treasury management, trust and wealth management, financial planning, online banking, and other related services.
Ticker
$OZK
Sector
Primary listing
Employees
3,205
Headquarters
Website
Bank OZK Metrics
BasicAdvanced
$5.8B
8.31
$6.16
0.87
$1.70
3.44%
Price and volume
Market cap
$5.8B
Beta
0.87
52-week high
$53.66
52-week low
$35.71
Average daily volume
842K
Dividend rate
$1.70
Financial strength
Dividend payout ratio (TTM)
28.49%
Profitability
Net profit margin (TTM)
47.44%
Operating margin (TTM)
61.65%
Effective tax rate (TTM)
23.14%
Revenue per employee (TTM)
$470,000
Management effectiveness
Return on assets (TTM)
1.84%
Return on equity (TTM)
12.68%
Valuation
Price to earnings (TTM)
8.313
Price to revenue (TTM)
3.841
Price to book
1.03
Price to tangible book (TTM)
1.17
Price to free cash flow (TTM)
7.928
Free cash flow yield (TTM)
12.61%
Free cash flow per share (TTM)
6.46
Dividend yield (TTM)
3.32%
Forward dividend yield
3.44%
Growth
Revenue change (TTM)
6.26%
Earnings per share change (TTM)
2.31%
3-year revenue growth (CAGR)
10.28%
3-year earnings per share growth (CAGR)
12.81%
10-year earnings per share growth (CAGR)
12.96%
3-year dividend per share growth (CAGR)
11.89%
10-year dividend per share growth (CAGR)
12.53%
What the Analysts think about Bank OZK
Analyst ratings (Buy, Hold, Sell) for Bank OZK stock.
Bulls say / Bears say
CEO George Gleason is actively diversifying the bank’s portfolio, aiming to reduce commercial real estate exposure to under 50% of all loans and building up the Corporate & Institutional Banking segment to lower concentration risk (WSJ turn4news13)
Despite aggressive real estate lending, Bank OZK has posted profits for 45 years in a row with consistently low loan-loss rates, showing disciplined underwriting and strong credit quality (FT turn6news12)
Among U.S. regional lenders, OZK has outperformed many peers thanks to its strong growth and smaller size, which has insulated it from tougher regulation and restructuring pressures that larger banks face (Bloomberg turn1search7)
Bank OZK remains heavily exposed to commercial real estate stress, with over one-third of its approximately $19 billion real estate loan portfolio linked to properties with high vacancy rates. This exposure has forced the bank to limit new loan sizes and syndicate larger transactions to control risk (WSJ turn4news13)
A Citigroup downgrade highlighted project-specific risks—especially a life-sciences property in San Diego and other commercial real estate projects—causing a sudden 17% drop in the share price and underscoring potential asset-quality fluctuations (Bloomberg turn1search0)
Bank OZK’s loan book is still highly concentrated in large real estate deals, with more than 50% tied to a select group of high-value assets—making losses potentially worse if those projects underperform (FT turn6news12)
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
Bank OZK Financial Performance
Revenues and expenses
Bank OZK Earnings Performance
Company profitability
Bank OZK News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Bank OZK stock?
Bank OZK (OZK) has a market cap of $5.8B as of October 01, 2025.
What is the P/E ratio for Bank OZK stock?
The price to earnings (P/E) ratio for Bank OZK (OZK) stock is 8.31 as of October 01, 2025.
Does Bank OZK stock pay dividends?
Yes, the Bank OZK (OZK) stock pays dividends to shareholders. As of October 01, 2025, the dividend rate is $1.7 and the yield is 3.44%. Bank OZK has a payout ratio of 28.49% on a trailing twelve-month basis.
When is the next Bank OZK dividend payment date?
The next Bank OZK (OZK) dividend payment date is unconfirmed.
What is the beta indicator for Bank OZK?
Bank OZK (OZK) has a beta rating of 0.87. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.