Bank OZK (OZK) Stock Price, News & Analysis

Company Overview

Bank OZK, formerly known as Bank of the Ozarks, is a regional commercial bank headquartered in Little Rock, Arkansas. Established in 1903, the bank offers a full suite of banking products and services to both individual and corporate clients. Through a combination of organic growth and targeted acquisitions, Bank OZK has built a diversified lending portfolio and a strong deposit franchise.

The bank’s core operations focus on commercial real estate lending, including acquisition, development and construction financing. In addition to real estate loans, Bank OZK provides business banking solutions such as lines of credit, equipment financing and treasury management services. Consumer offerings include deposit accounts, home equity loans and residential mortgage products, tailored to meet the needs of retail customers.

Bank OZK maintains a branch network of over 250 locations across the Southeastern United States, with additional markets in Texas, California, Nevada, New York and the Mid-Atlantic region. This geographic footprint allows the bank to serve a wide range of clients—from small and medium-sized enterprises to large corporate borrowers—while fostering strong community banking relationships in each market.

Under the leadership of President and Chief Executive Officer George Gleason, who has served in that role since 1989, Bank OZK has emphasized disciplined credit underwriting and prudent risk management. This strategic approach, combined with a customer-focused culture, has supported the bank’s steady growth and positioned it as a trusted financial partner in its core markets.

Key Stats

• Today's Range: $52.12 to $52.97
• 50-Day Range: $46.53 to $53.14
• 52-Week Range: $35.71 to $53.66
• Volume: 277,631 shs
• Average Volume: 1.16 million shs
• Market Capitalization: $5.95 billion
• P/E Ratio: 8.50
• Dividend Yield: 3.36%
• Price Target: $54.25
• Consensus Rating: Hold

Bank OZK Stock Analysis - MarketRank™

Bank OZK scored higher than 80% of companies evaluated by MarketBeat, and ranked 335th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Bank OZK has received a consensus rating of Hold. The company's average rating score is 2.38, and is based on 3 buy ratings, 5 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Bank OZK has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.13%

Earnings Growth

Earnings for Bank OZK are expected to grow by 12.13% in the coming year, from $6.02 to $6.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bank OZK is 8.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank OZK is 8.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 227.47.

Price to Book Value per Share Ratio

Bank OZK has a P/B Ratio of 1.07. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

13.78% of the float of Bank OZK has been sold short.

Short Interest Ratio / Days to Cover

Bank OZK has a short interest ratio ("days to cover") of 17.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Bank OZK has recently decreased by 2.62%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Bank OZK pays a meaningful dividend of 3.35%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Bank OZK has been increasing its dividend for 29 years.

Dividend Coverage

The dividend payout ratio of Bank OZK is 28.57%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Bank OZK will have a dividend payout ratio of 26.07% next year. This indicates that Bank OZK will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.9 / 5
• Environmental Score: -0.62

Percentage of Shares Shorted

13.78% of the float of Bank OZK has been sold short.

Short Interest Ratio / Days to Cover

Bank OZK has a short interest ratio ("days to cover") of 17.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Bank OZK has recently decreased by 2.62%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.22

News Sentiment

Bank OZK has a news sentiment score of 1.22. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Bank OZK this week, compared to 10 articles on an average week.

Search Interest

10 people have searched for OZK on MarketBeat in the last 30 days. This is an increase of 400% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Bank OZK insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 6.70% of the stock of Bank OZK is held by insiders.

Percentage Held by Institutions

86.18% of the stock of Bank OZK is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

OZK Stock Analysis - Frequently Asked Questions

How have OZK shares performed this year?

Bank OZK's stock was trading at $44.53 at the beginning of the year. Since then, OZK stock has increased by 17.9% and is now trading at $52.5130.

How were Bank OZK's earnings last quarter?

Bank OZK (NASDAQ:OZK) released its quarterly earnings results on Thursday, July, 17th. The company reported $1.58 earnings per share for the quarter, beating analysts' consensus estimates of $1.51 by $0.07. The firm had revenue of $428.04 million for the quarter, compared to analysts' expectations of $423.41 million. Bank OZK had a net margin of 25.83% and a trailing twelve-month return on equity of 13.24%.
Read the conference call transcript.

Who are Bank OZK's major shareholders?

Bank OZK's top institutional investors include State Street Corp (5.70%), Wasatch Advisors LP (4.85%), Charles Schwab Investment Management Inc. (3.87%) and First Trust Advisors LP (2.45%).

How do I buy shares of Bank OZK?

Shares of OZK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Bank OZK own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Bank OZK investors own include NVIDIA (NVDA), AbbVie (ABBV), JPMorgan Chase & Co. (JPM), Verizon Communications (VZ), Exxon Mobil (XOM), Meta Platforms (META) and Chevron (CVX).

Company Calendar

• Record date for 7/18 Dividend: 7/11/2025
• Ex-Dividend for 7/18 Dividend: 7/11/2025
• Last Earnings: 7/17/2025
• Dividend Payable: 7/18/2025
• Today: 9/03/2025
• Next Earnings (Estimated): 10/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OZK
• CIK: 1569650
• Web: www.ozk.com
• Phone: (501) 978-2265
• Fax: 501-978-2224
• Employees: 3,028
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Bank OZK: $54.25
• High Price Target: $65.00
• Low Price Target: $46.00
• Potential Upside/Downside: +3.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.38
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.16
• Trailing P/E Ratio: 8.50
• Forward P/E Ratio: 8.69
• P/E Growth: N/A
• Net Income: $716.46 million
• Net Margins: 25.83%
• Pretax Margin: 33.61%
• Return on Equity: 13.24%
• Return on Assets: 1.84%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 1.04
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $2.77 billion
• Price / Sales: 2.15
• Cash Flow: $7.22 per share
• Price / Cash Flow: 7.25
• Book Value: $49.12 per share
• Price / Book: 1.07

Miscellaneous

• Outstanding Shares: 113,730,000
• Free Float: 106,107,000
• Market Cap: $5.95 billion
• Optionable: Optionable
• Beta: 0.92