Bank OZK (OZK) fair value analysis
Nasdaq · Updated 2026-10-19
OZK price how computed
Forward Fair Value verdict
Fairly valuedOZK is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $46.12
- Sector
- Financial Services
- 12-month range
- $42.64–$53.09
- Market cap
- $5.03B
- From 52-week high
- -13.1%
- Shares outstanding
- 109M
- Rank in Financial Services by discount to fair value
- #109 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Bank OZK is a financial services company that operates as a bank holding company providing commercial and consumer banking services. The company operates primarily in the United States with a regional focus on the central and southeastern portions of the country.
OZK currently ranks #109 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 4 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $5.03B
- P/E (trailing)
- 8x
- Revenue (TTM)
- $2.77B
- Net margin
- 25.0%
- EPS (TTM)
- $6.05
- Gross margin
- 57.1%
- Debt / equity
- 0.11
- Revenue growth (3-yr avg)
- 4.6%
- Shares outstanding
- 109M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 49 · neutral
- 50-day average
- $48.23
- 200-day average
- $48.38
- Moving-average state
- 50-day below 200-day (death cross state); price below both averages
Dividends how computed
- Paid, last 12 months
- $1.90 per share (4 payments)
- Yield on last price
- 4.12%
- Consecutive years of increases
- 10
- Last ex-dividend date
- 2026-10-13
- Last payment date
- 2026-10-20
Earnings how computed
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+2.1%)
2026-03 ▲ beat (+0.7%)
2025-12 ▼ miss (-1.3%)
2025-09 ▼ miss (-4.2%)
2025-06 ▲ beat (+3.3%)
2025-03 ▲ beat (+5.0%)
2024-12 ▲ beat (+8.3%)
2024-09 ▲ beat (+0.6%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 3 buy · 5 hold · 2 sell (10 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $53.8
- Target vs last price
- +16.7%
What our data shows for OZK
- Our model validated 17 trailing price-to-earnings windows for OZK, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $42.64–$53.09.
- The 14-day relative strength index sits at a neutral 49.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for OZK
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent OZK news
TickrTrends' derived news-sentiment signal for OZK is currently leaning positive, computed from recent coverage.
- Bank OZK, heavy in CRE loans, makes progress on diversifying (americanbanker.com, 2026-10-21)
TickrTrends take: Bank OZK operates in the Financial Services sector and is currently assessed as fairly valued according to TickrTrends analysis. The bank's efforts to diversify away from its heavy concentration in commercial real estate loans represent a strategic shift that could affect risk profile and earnings stability over time. Investors tracking valuation should monitor how successfully this diversification progresses and whether it influences the bank's asset quality metrics and profitability trajectory relative to sector peers. - Bank OZK (OZK) (Q3 2026) Earnings Call Highlights: Record RESG Payoffs to Weigh on Q4 Loan Balances, but Management Guides to 10-12% Growth in 2027 (gurufocus.com, 2026-10-21)
TickrTrends take: Bank OZK's guidance for 10-12% loan growth in 2027 suggests management confidence in the company's forward momentum despite near-term headwinds from elevated real estate loan payoffs. Given the fairly valued assessment, investors tracking the company should monitor whether actual 2027 loan growth materializes at the guided range, as this would be a key metric for validating current valuations in the Financial Services sector. The timing of loan balance recovery following the Q4 payoff pressure will be particularly relevant for assessing whether the stock's valuation multiple remains appropriate relative to peers. - Q3 2026 Bank Ozk Earnings Call Transcript (gurufocus.com, 2026-10-21)
TickrTrends take: Bank OZK released its Q3 2026 earnings results, providing updated financial performance metrics that investors can use to assess whether the current fair valuation designation remains appropriate. For valuation-focused readers, the key will be monitoring whether the bank's profitability trends, asset quality, and capital position support the fairly valued assessment or suggest a shift in the valuation outlook. The Financial Services sector operates with particular sensitivity to interest rates and credit conditions, making the specific operational results from this earnings period relevant to validating current pricing.
More OZK news
- Bank OZK (OZK) Reports Q3 Earnings Beat, Highlights Dividend Strength (gurufocus.com, 2026-10-20)
- Bank OZK (OZK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (zacks.com, 2026-10-20)
- Bank OZK (OZK) Beats Q3 Earnings and Revenue Estimates (zacks.com, 2026-10-20)
- Bank OZK (OZK) Expected to Beat Earnings Estimates: Can the Stock Move Higher? (zacks.com, 2026-10-13)
- Bank OZK's Dividend Analysis (gurufocus.com, 2026-10-13)
- Bank OZK Extends $915M Loan Maturity to 2029 Amid $121M Principal Reduction (OZK) (gurufocus.com, 2026-10-12)
What people are saying
Follow the OZK conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — OZK's sector discount rank declined this week, moving from 108th to 116th position among Financial Services companies, indicating a modest shift in its relative valuation standing within the sector. The stock maintains a fairly valued assessment based on current derived indicators tracked by TickrTrends.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — OZK moved up in the Financial Services sector discount rankings this week, climbing from position #116 to #108, indicating improving relative valuation compared to peer companies. The stock's valuation assessment shifted from Overvalued to Fairly valued based on TickrTrends' derived indicators.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is OZK stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), OZK is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is OZK's TickrTrends verdict?
OZK's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does OZK compare to other Financial Services stocks?
OZK ranks #109 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is OZK overbought or oversold?
OZK's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does OZK pay a dividend?
Yes. OZK paid $1.90 per share over the last twelve months (4 payments), a 4.12% yield on TickrTrends' last price, and has raised the annual total for 10 consecutive years. The last ex-dividend date was 2026-10-13.
Does OZK usually beat earnings estimates?
Over its last 8 reported quarters OZK beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about OZK?
Of 10 analysts covering OZK, 3 rate it a buy, 5 a hold and 2 a sell - hold-leaning, with a consensus price target of $53.8 (+16.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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