Stocks · Financial Services · Banks - Regional
Bank OZK OZK
$46.71 +0.80% Close, Oct 2, 2026 · NASDAQ · Market cap $5.10B
Inexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The company holds net cash of $886.1M (cash above total debt).
- Revenue over the last four quarters was $2.77B, down 0.4% from a year earlier.
- The diluted share count fell 3.6% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth29Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 25%
- EPS growth (TTM, YoY)Bottom 28%
- FCF growth (TTM, YoY)Bottom 34%
- Revenue growth, 3-year CAGRTop 19%
- Revenue growth accelerationBottom 42%
Quality64Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginBottom 30%
- Operating marginTop 24%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Top 45%
- Net debt / EBITDA (lower is better)Top 17%
- Interest coverBottom 45%
Value93Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 9%
- Free-cash-flow yieldTop 19%
- EBITDA / enterprise valueTop 6%
- Sales / enterprise valueTop 19%
- P/E vs own 5-year history (lower is better)Top 48%
Momentum23Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 24%
- 6-month returnBottom 24%
- 1-year return vs S&P 500Bottom 24%
- Distance from 52-week highBottom 42%
- Trend checklist (0–4)Bottom 27%
Revisions30Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 25%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 8%
- Upside to consensus price targetTop 37%
Stability57Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 39%
- Maximum drawdown, 3 yearsBottom 48%
- Beta vs S&P 500 (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Top 17%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.7% | -0.4% | ↓ |
| EPS growth (YoY) | 0.7% | -1.8% | ↓ |
| Gross margin | 54.5% | 56.0% | ↑ |
| Operating margin | 33.6% | 32.3% | ↓ |
| FCF margin | 26.9% | 27.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.4% | 0.7% | ↓ | Bottom 25% |
| EPS growth (TTM, YoY) | -1.8% | 0.7% | ↓ | Bottom 28% |
| Gross margin | 56.0% | 54.5% | ↑ | Bottom 30% |
| Operating margin | 32.3% | 33.6% | ↓ | Top 24% |
| Net margin | 25.0% | 25.8% | ↓ | — |
| Free-cash-flow margin | 27.5% | 26.9% | ↑ | — |
| Return on invested capital | 1.7% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 26.7% | — | Top 19% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.25×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -3.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.89×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.98%
- Net buyback yield (TTM)
- 3.55%
- Shareholder yield
- 7.52%
- Share count change, 1 year
- -3.6%
- Share count change, 3-year CAGR
- -1.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -1.0%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $56.00
- Target vs current price
- +19.9%
- Analysts with a rating
- 22
- Share rating Buy or Strong Buy
- 14%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +0.7% | -1.3% | -2.0% | -0.6% | — |
| Apr 21, 2026 | +0.7% | -1.5% | -2.1% | -3.9% | +7.8% |
| Jan 20, 2026 | -1.9% | -1.4% | -4.6% | +2.1% | -1.3% |
| Oct 16, 2025 | -3.6% | -6.9% | -9.9% | -10.9% | -5.0% |
| Jul 17, 2025 | +4.6% | +1.4% | +2.8% | -1.0% | +0.4% |
| Apr 16, 2025 | +4.3% | +0.3% | +6.9% | +18.5% | +33.9% |
| Jan 16, 2025 | +7.6% | +0.3% | +12.5% | +16.4% | -16.0% |
| Oct 17, 2024 | +0.0% | +2.4% | -4.2% | +4.8% | -3.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.49 | $1.48 | +0.7% | $435.8M |
| Apr 21, 2026 | $1.44 | $1.43 | +0.7% | $422.3M |
| Jan 20, 2026 | $1.53 | $1.56 | -1.9% | $444.6M |
| Oct 16, 2025 | $1.59 | $1.65 | -3.6% | $449.9M |
| Jul 17, 2025 | $1.58 | $1.51 | +4.6% | $428.0M |
| Apr 16, 2025 | $1.47 | $1.41 | +4.3% | $409.2M |
| Jan 16, 2025 | $1.56 | $1.45 | +7.6% | $412.3M |
| Oct 17, 2024 | $1.54 | $1.54 | +0.0% | $423.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.7× | 7.6× | 52th | Top 9% |
| P/E (forward) | 8.1× | — | — | — |
| EV / EBITDA | 4.2× | — | — | Top 6% |
| EV / Sales | 1.52× | — | — | Top 19% |
| Free-cash-flow yield | 14.95% | — | — | Top 19% |
| Earnings yield | 12.95% | — | — | Top 9% |
P/E over the past five years
Range 6.3× – 10.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -7.9%
- Earnings per share growth (TTM)
- -1.8%
- Change in P/E multiple
- +12.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.6%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- -5.6%
- Distance from 200-day average
- -3.7%
- RSI (14)
- 38.7
- Relative volume
- 0.92×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.93
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -12.0%
- Maximum drawdown, 3 years
- -29.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | May 11, 2023 | -38.4% | 336 days | 150 days (Dec 14, 2023) |
| Feb 11, 2025 | Apr 8, 2025 | -29.2% | 39 days | 97 days (Aug 27, 2025) |
| Dec 14, 2023 | Jun 14, 2024 | -26.7% | 125 days | 160 days (Feb 5, 2025) |
| Aug 27, 2025 | Nov 17, 2025 | -19.8% | 57 days | Not yet recovered |
| Mar 12, 2021 | Apr 20, 2021 | -15.4% | 26 days | 128 days (Oct 20, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.10B
- P/E (TTM)
- 7.7
- EPS, diluted (TTM)
- $6.05
- Revenue (TTM)
- $2.77B
- Dividend yield
- 5.03%
- 52-week range
- $42.37 – $53.39
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.19B | $1.38B | $2.25B | $2.77B | $2.81B |
| Gross profit | $1.18B | $1.17B | $1.40B | $1.48B | $1.56B |
| Operating income | $752.9M | $721.5M | $867.0M | $931.3M | $934.3M |
| Net income | $579.0M | $564.1M | $690.8M | $716.5M | $715.5M |
| EPS (diluted) | $4.47 | $4.54 | $5.87 | $6.14 | $6.17 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $715.7M | $695.6M | $670.5M | $699.6M | $731.1M | $704.6M | $661.5M | $672.9M |
| Net income | $181.2M | $182.2M | $172.0M | $183.0M | $184.6M | $176.0M | $163.4M | $167.4M |
| EPS (diluted) | $1.55 | $1.56 | $1.47 | $1.58 | $1.59 | $1.53 | $1.44 | $1.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $528.2M | $764.9M | $881.6M | $834.5M | $837.7M |
| Capital expenditure | -$33.9M | -$29.9M | -$29.1M | -$95.6M | -$106.0M |
| Free cash flow | $494.3M | $735.1M | $852.4M | $738.8M | $731.7M |
| Dividends paid | -$146.5M | -$152.2M | -$163.0M | -$179.5M | -$196.8M |
| Net share buybacks | -$188.2M | -$355.5M | -$160.1M | -$8.5M | -$151.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.55B
- Total assets
- $41.70B
- Total liabilities
- $35.43B
- Total debt
- $668.2M
- Net debt
- -$886.1M
- Shareholders’ equity
- $6.28B
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 13, 2026 | $0.49 | Oct 20, 2026 |
| Jul 13, 2026 | $0.48 | Jul 20, 2026 |
| Apr 13, 2026 | $0.47 | Apr 20, 2026 |
| Jan 13, 2026 | $0.46 | Jan 20, 2026 |
| Oct 14, 2025 | $0.45 | Oct 21, 2025 |
| Jul 11, 2025 | $0.44 | Jul 18, 2025 |
| Apr 14, 2025 | $0.43 | Apr 21, 2025 |
| Jan 14, 2025 | $0.42 | Jan 21, 2025 |
Short interest
- Shares sold short
- 16,512,969
- Days to cover
- 17.60
- Change vs previous report
- +1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 24, 2014
- 2-for-1
- Aug 17, 2011
- 2-for-1
- Dec 11, 2003
- 2-for-1
- Jun 18, 2002
- 2-for-1