Bank OZK (OZK) Competitors

Bank OZK (NASDAQ:OZK) and First Financial Bankshares (NASDAQ:FFIN) are both mid-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their community ranking, risk, valuation, profitability, media sentiment, analyst recommendations, earnings, institutional ownership and dividends.

Do analysts rate OZK or FFIN?

Bank OZK presently has a consensus target price of $46.29, indicating a potential downside of 1.01%. First Financial Bankshares has a consensus target price of $35.33, indicating a potential downside of 10.46%. Given Bank OZK's higher possible upside, analysts plainly believe Bank OZK is more favorable than First Financial Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank OZK	2 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	1.88
First Financial Bankshares	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the MarketBeat Community favor OZK or FFIN?

First Financial Bankshares received 139 more outperform votes than Bank OZK when rated by MarketBeat users. Likewise, 49.29% of users gave First Financial Bankshares an outperform vote while only 46.13% of users gave Bank OZK an outperform vote.

Company	Underperform	Outperform
Bank OZK	Outperform Votes 173 46.13%	Underperform Votes 202 53.87%
First Financial Bankshares	Outperform Votes 312 49.29%	Underperform Votes 321 50.71%

Do institutionals and insiders hold more shares of OZK or FFIN?

86.2% of Bank OZK shares are held by institutional investors. Comparatively, 69.8% of First Financial Bankshares shares are held by institutional investors. 6.7% of Bank OZK shares are held by company insiders. Comparatively, 4.2% of First Financial Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Which has higher valuation & earnings, OZK or FFIN?

Bank OZK has higher revenue and earnings than First Financial Bankshares. Bank OZK is trading at a lower price-to-earnings ratio than First Financial Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank OZK	$2.25B	2.36	$690.78M	$5.97	7.83
First Financial Bankshares	$636.07M	8.86	$198.98M	$1.40	28.19

Which has more volatility and risk, OZK or FFIN?

Bank OZK has a beta of 1.2, indicating that its stock price is 20% more volatile than the S&P 500. Comparatively, First Financial Bankshares has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500.

Does the media refer more to OZK or FFIN?

In the previous week, Bank OZK had 3 more articles in the media than First Financial Bankshares. MarketBeat recorded 15 mentions for Bank OZK and 12 mentions for First Financial Bankshares. First Financial Bankshares' average media sentiment score of 0.88 beat Bank OZK's score of 0.66 indicating that First Financial Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank OZK	7 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Financial Bankshares	3 Very Positive mention(s)	1 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is OZK or FFIN a better dividend stock?

Bank OZK pays an annual dividend of $1.60 per share and has a dividend yield of 3.4%. First Financial Bankshares pays an annual dividend of $0.72 per share and has a dividend yield of 1.8%. Bank OZK pays out 26.8% of its earnings in the form of a dividend. First Financial Bankshares pays out 51.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Bank OZK is clearly the better dividend stock, given its higher yield and lower payout ratio.

Is OZK or FFIN more profitable?

First Financial Bankshares has a net margin of 29.13% compared to Bank OZK's net margin of 27.04%. Bank OZK's return on equity of 14.50% beat First Financial Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank OZK	27.04%	14.50%	2.01%
First Financial Bankshares	29.13%	14.01%	1.54%

Summary

Bank OZK beats First Financial Bankshares on 13 of the 20 factors compared between the two stocks.