Bank Ozk (OZK)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$45.84

+0.91 (+2.03%)

Market Cap: $4.90B

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

85%(33/39)

Avg Surprise

+2.49%

Streak

2 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$1.43

Range$1.24 - $1.49

10 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$1.51-5.5%

60d ago$1.43-0.1%

30d ago$1.43+0.1%

7d ago$1.43-0.1%

Current$1.43

Revenue Consensus

$434M

Range$423M - $441M

7 analysts

Period ending Dec 31, 2026

EPS Consensus$1.46

Range$1.08 - $1.60

10 analysts

Revenue Consensus

$437M

Range$406M - $455M

8 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.46	$1.08 - $1.60	-	-	10	-	-
Sep 30, 2026Sep 26EST	-	$1.43	$1.24 - $1.49	-	-	10	1 1 30d	-
Jun 30, 2026Jun 26 Reported Jul 21, 2026Reported Jul 21	$1.49	$1.46	$1.43 - $1.54	+2.05%	Beat	10	1 0 30d	-5.7%
Mar 31, 2026Mar 26 Reported Apr 21, 2026Reported Apr 21	$1.44	$1.43	$1.27 - $1.50	+0.70%	Beat	10	2 3 30d	-2.0%
Dec 31, 2025Dec 25 Reported Jan 20, 2026Reported Jan 20	$1.53	$1.55	$1.38 - $1.63	-1.29%	Miss	10	2 1 30d	-1.9%
Sep 30, 2025Sep 25 Reported Oct 16, 2025Reported Oct 16	$1.59	$1.66	$1.53 - $1.75	-4.22%	Miss	10	2 0 30d	+2.6%
Jun 30, 2025Jun 25 Reported Jul 17, 2025Reported Jul 17	$1.58	$1.53	$1.36 - $1.57	+3.27%	Beat	8	8 0 30d	+3.9%
Mar 31, 2025Mar 25 Reported Apr 16, 2025Reported Apr 16	$1.47	$1.40	$1.30 - $1.53	+5.00%	Beat	8	2 2 30d	-2.6%
Dec 31, 2024Dec 24 Reported Jan 16, 2025Reported Jan 16	$1.56	$1.44	$1.36 - $1.52	+8.33%	Beat	8	1 2 30d	-0.6%
Sep 30, 2024Sep 24 Reported Oct 17, 2024Reported Oct 17	$1.55	$1.54	$1.51 - $1.63	+0.65%	Beat	10	3 0 30d	+4.0%
Jun 30, 2024Jun 24 Reported Jul 17, 2024Reported Jul 17	$1.52	$1.52	$1.46 - $1.60	+0.00%	Beat	10	1 2 30d	+3.4%
Mar 31, 2024Mar 24 Reported Apr 17, 2024Reported Apr 17	$1.51	$1.46	$1.39 - $1.50	+3.42%	Beat	10	1 2 30d	+7.1%
Dec 31, 2023Dec 23 Reported Jan 18, 2024Reported Jan 18	$1.57	$1.50	$1.35 - $1.60	+4.67%	Beat	10	4 1 30d	+17.2%
Sep 30, 2023Sep 23 Reported Oct 19, 2023Reported Oct 19	$1.49	$1.45	$1.32 - $1.58	+2.76%	Beat	9	3 0 30d	+38.0%
Jun 30, 2023Jun 23 Reported Jul 20, 2023Reported Jul 20	$1.47	$1.43	$1.24 - $1.59	+2.80%	Beat	9	0 1 30d	+33.6%
Mar 31, 2023Mar 23 Reported Apr 20, 2023Reported Apr 20	$1.41	$1.38	$1.27 - $1.48	+2.17%	Beat	9	1 1 30d	+38.2%
Dec 31, 2022Dec 22 Reported Jan 19, 2023Reported Jan 19	$1.34	$1.30	$1.24 - $1.41	+3.08%	Beat	8	No revisions (30d)	+14.5%
Sep 30, 2022Sep 22 Reported Oct 20, 2022Reported Oct 20	$1.08	$1.17	$1.11 - $1.20	-7.69%	Miss	8	2 0 30d	+8.0%
Jun 30, 2022Jun 22 Reported Jul 21, 2022Reported Jul 21	$1.10	$1.02	$0.99 - $1.10	+7.84%	Beat	8	3 0 30d	-5.2%
Mar 31, 2022Mar 22 Reported Apr 21, 2022Reported Apr 21	$1.02	$0.95	$0.86 - $1.03	+7.37%	Beat	9	1 0 30d	-10.5%
Dec 31, 2021Dec 21 Reported Jan 20, 2022Reported Jan 20	$1.17	$0.97	$0.94 - $1.06	+20.62%	Beat	9	1 0 30d	+25.8%
Sep 30, 2021Sep 21 Reported Oct 21, 2021Reported Oct 21	$1.00	$0.96	$0.92 - $1.07	+4.17%	Beat	10	2 0 30d	+19.0%
Jun 30, 2021Jun 21 Reported Jul 22, 2021Reported Jul 22	$1.16	$0.92	$0.85 - $1.01	+26.09%	Beat	10	3 0 30d	+197.4%
Mar 31, 2021Mar 21 Reported Apr 22, 2021Reported Apr 22	$1.14	$0.85	$0.83 - $0.95	+34.12%	Beat	10	3 0 30d	+1166.7%
Dec 31, 2020Dec 20 Reported Jan 21, 2021Reported Jan 21	$0.93	$0.78	$0.67 - $0.88	+19.23%	Beat	10	3 0 30d	+19.2%
Sep 30, 2020Sep 20 Reported Oct 22, 2020Reported Oct 22	$0.84	$0.59	$0.47 - $0.67	+42.37%	Beat	10	3 0 30d	+3.7%
Jun 30, 2020Jun 20 Reported Jul 23, 2020Reported Jul 23	$0.39	$0.38	$0.01 - $0.58	+2.63%	Beat	10	1 0 30d	-54.7%
Mar 31, 2020Mar 20 Reported Apr 23, 2020Reported Apr 23	$0.09	N/A	-	-85.25%	Miss	10	No revisions (30d)	-89.5%
Dec 31, 2019Dec 19 Reported Jan 16, 2020Reported Jan 16	$0.78	$0.76	$0.75 - $0.78	+2.63%	Beat	10	1 0 30d	-13.3%
Sep 30, 2019Sep 19 Reported Oct 17, 2019Reported Oct 17	$0.81	$0.82	$0.80 - $0.84	-1.22%	Miss	10	No revisions (30d)	+26.6%
Jun 30, 2019Jun 19 Reported Jul 18, 2019Reported Jul 18	$0.86	$0.85	$0.83 - $0.88	+1.18%	Beat	10	1 0 30d	-3.4%
Mar 31, 2019Mar 19 Reported Apr 17, 2019Reported Apr 17	$0.86	$0.85	$0.80 - $0.87	+1.18%	Beat	13	No revisions (30d)	+0.0%
Dec 31, 2018Dec 18 Reported Jan 17, 2019Reported Jan 17	$0.90	$0.83	$0.79 - $0.85	+8.43%	Beat	13	1 0 30d	+20.0%
Sep 30, 2018Sep 18 Reported Oct 18, 2018Reported Oct 18	$0.64	$0.91	$0.80 - $0.93	-29.67%	Miss	13	1 0 30d	-14.7%
Jun 30, 2018Jun 18 Reported Jul 11, 2018Reported Jul 11	$0.89	$0.89	-	+0.00%	Beat	-	-	+21.9%
Mar 31, 2018Mar 18 Reported Apr 12, 2018Reported Apr 12	$0.86	$0.85	-	+1.18%	Beat	-	-	+17.8%
Dec 31, 2017Dec 17 Reported Jan 16, 2018Reported Jan 16	$0.75	$0.75	-	+0.00%	Beat	-	-	+2.7%
Sep 30, 2017Sep 17 Reported Oct 11, 2017Reported Oct 11	$0.75	$0.74	-	+1.35%	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 12, 2017Reported Jul 12	$0.73	$0.73	-	+0.00%	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 11, 2017Reported Apr 11	$0.73	$0.72	-	+1.39%	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 17, 2017Reported Jan 17	$0.73	$0.69	-	+5.80%	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield4.28%

Forward Annual Dividend$1.96

Payout Ratio30.15%

FrequencyQuarterly

Pay MonthsJan, Apr, Jul, Oct

Growth

3Y CAGR+11.36%

5Y CAGR+10.06%

OZK dividend history and ex-dividend dates Run OZK in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	7.58	EV/EBITDA	3.94x
Price/FCF	6.60x	FCF Yield	15.16%
Profitability
Profit Margin	44.50%	Operating Margin	55.60%
ROE	11.30%	ROIC	10.38%
Financial Health
Debt/Equity	0.07x	Interest Coverage	0.88x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.91	Avg Volume	1.71M
52-Week High	$52.60	52-Week Low	$40.71

Technical Indicators Dashboard

Moving Averages

SMA 10$44.85

SMA 20$45.54

SMA 50$47.84

SMA 200$47.65

EMA 10$45.11

EMA 20$45.68

EMA 50$47.11

EMA 200$47.46

MACD

Line: -0.85Signal: -1.00Hist: 0.15

ADX

ADX: 34.5+DI: 20.1-DI: 27.8

Aroon & PSAR

Aroon Up12.0

Aroon Down76.0

PSAR$46.49

Bollinger Bands

Upper Band$47.72

Lower Band$43.36

%B Position957%(Upper)

Band Width0.57

RSI (14-Day)

Neutral

48.2

Momentum Oscillators

Stoch %K50.9

Stoch %D42.0

Williams %R-34.9

ROC (10d)-0.0%

Momentum-0.00

CCI (20d)-15.4

MFI (14d)40.6

Volatility Measures

ATR (14d)$1.13(2.5%)

StdDev (20d)1.09

Hist Vol26.5%(Moderate)

Volume Flow

VWAP$45.63

OBV17.7M

AD Line-1.0B

CMF (20d)-0.941

Volume Metrics

Avg Vol (20d)1.7M

Vol Ratio1.3x

VWMA (20d)$45.20

Pivot Points

R3$45.77

R2$45.37

R1$45.15

Pivot Point$44.76

S1$44.54

S2$44.14

S3$43.92

Advanced Oscillators

TSI-23.37

Ultimate Osc33.7

KST-69.72

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$672.89M	$661.55M	$704.61M	$731.11M	$699.63M	$670.46M	$695.58M	$715.66M	$696.62M	$666.14M	$650.36M	$591.24M
Cost of Revenue	$288.48M	$285.40M	$314.53M	$329.49M	$306.81M	$299.64M	$320.41M	$339.10M	$328.85M	$303.04M	$278.78M	$242.29M
Gross Profit	$384.42M	$376.15M	$390.08M	$401.62M	$392.82M	$370.82M	$375.17M	$376.56M	$367.76M	$363.10M	$371.58M	$348.95M

Operating Expenses	$170.65M	$164.54M	$161.65M	$159.31M	$153.16M	$146.95M	$140.13M	$140.40M	$137.45M	$133.31M	$152.85M	$128.98M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$100.97M	$101.41M	$87.69M	$97.53M	$92.83M	$88.97M	$83.69M	$81.37M	$78.72M	$77.81M	$82.07M	$69.61M
Operating Income	$213.77M	$211.61M	$228.43M	$242.31M	$239.66M	$223.86M	$235.04M	$236.16M	$230.31M	$229.78M	$218.73M	$219.97M

Interest Income	$635.02M	$629.02M	$671.01M	$695.03M	$668.34M	$635.74M	$662.63M	$682.05M	$667.84M	$637.05M	$605.50M	$565.51M
Interest Expense	$242.87M	$243.45M	$263.96M	$281.17M	$271.60M	$261.23M	$283.24M	$292.65M	$279.84M	$260.12M	$234.95M	$198.25M
Income Before Tax	$213.77M	$211.61M	$228.43M	$242.31M	$239.66M	$223.86M	$235.04M	$236.16M	$230.31M	$229.78M	$218.73M	$219.97M
Income Tax Expense	$46.40M	$48.25M	$52.52M	$57.74M	$56.66M	$51.89M	$52.83M	$54.95M	$52.78M	$54.23M	$43.60M	$46.14M

Net Income	$167.37M	$163.36M	$175.96M	$184.58M	$182.98M	$171.96M	$182.18M	$181.19M	$177.54M	$175.54M	$175.13M	$173.79M

EBITDA	$255.00M	$243.18M	$228.43M	$272.87M	$280.04M	$243.62M	$269.32M	$259.28M	$256.00M	$247.49M	$227.86M	$233.82M
EBIT	$213.77M	$211.61M	N/A	$242.31M	$239.66M	$223.86M	$235.04M	$236.16M	$230.31M	$229.78M	$218.73M	$219.97M

* Some calculated fields are derived from available data when not provided by source

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News

Bank OZK (OZK) Provided $133 Million For A Culver City Development

Bank OZK is providing $133 million in construction financing for the ElevenOneEleven mixed-use development in Culver City...

Simply Wall Street•Oct 15, 2026 7:42 PM ET10/15/26•Somewhat-Bullish

Culver City Mixed-Use Secures $133M Bank OZK Loan

Lincoln Property Company and McCourt Partners have secured $132.7 million in construction financing from Bank OZK for ElevenOneEleven, a new mixed-use development in Culver City. The project...

Connect CRE•Oct 15, 2026 5:42 PM ET10/15/26•Bullish

Bank OZK Provides $133M Construction Loan for Culver City, Calif., Mixed-Use Project

Bank OZK has provided a $132.7 million construction loan to Lincoln Property Company and McCourt Partners for a new mixed-use project in Culver City, California. The development, named ElevenOneEleven...

Commercial Observer•Oct 14, 2026 2:40 PM ET10/14/26•Bullish

Learn Why The Bull Case For Bank OZK (OZK) Could Change Following Dividend Increase

Bank OZK recently declared its 65th consecutive quarterly common dividend increase, signaling management's confidence in capital levels despite its real estate-heavy lending portfolio. While the dividend reinforces...

Simply Wall Street•Oct 14, 2026 1:40 PM ET10/14/26•Bullish

Understanding the Setup: (OZK) and Scalable Risk

Bank Ozk (NYSE: OZK) is facing weak near and mid-term sentiment, leading to an elevated downside risk with no clear long-term support signals. The article provides institutional trading strategies...

Stock Traders Daily•Oct 13, 2026 9:43 AM ET10/13/26•Somewhat-Bearish

OZK Valuation and Fair Value

P/E: 7.6x
Forward P/E: 7.6x
EV/EBITDA: 3.9x
P/FCF: 6.6x
PEG: 2.8x
P/B: 0.8x

See GNG's fair value

OZK Profitability: Margins, ROIC and FCF

Gross margin: 56.0%
Operating margin: 55.6%
Net margin: 44.5%
ROIC: 10.4%
ROE: 11.3%
FCF margin: 27.5%
FCF yield: 15.2%

OZK Competitors

Company	Ticker
Axos Financial Inc	AX
Eastern Bankshares Inc	EBC
Virtu Financial, Inc.	VIRT
Cipher Mining Inc	CIFR
CNO Financial Group Inc	CNO
Hannon Armstrong Sustainable Infrastructure Capital Inc	HASI
Main Street Capital Corporation	MAIN
Flagstar Financial, Inc.	FLG

Sector: Financial Services

OZK Analyst Ratings

Consensus: Hold
Analysts: 10
Strong Buy: 1
Buy: 2
Hold: 5
Sell: 2
Strong Sell: 0

OZK Bull Case vs Bear Case

Bull case

OZK converts 27.5% of revenue into free cash flow.
OZK has a 44.5% net profit margin.
OZK beat EPS estimates in 75.0% of its last 8 reported quarters.

Bear case

OZK's quarterly revenue changed -2.1% year over year.

OZK Earnings: Beat Rate and Next Report

Beat rate: 6 of 8 quarters (75.0%)
Average surprise: 1.8%
EPS estimate (fiscal period ending Sep 30, 2026): $1.43
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 1 up, 1 down

OZK Dividend

Forward yield: 4.3%
Payout ratio: 30.2%
3Y DPS growth: 11.4%
5Y DPS growth: 10.1%
Pay months: Jan, Apr, Jul, Oct

OZK dividend history

Frequently Asked Questions About OZK

What is OZK's current dividend yield?

Bank Ozk (OZK) has a forward dividend yield of 4.28%.

Does OZK pay dividends?

Yes, Bank Ozk pays dividends with a forward dividend yield of 4.28%.

What is OZK's P/E ratio?

Bank Ozk has a price-to-earnings (P/E) ratio of 7.58.

What is OZK's market cap?

Bank Ozk (OZK) has a market capitalization of $4.90B with a current stock price of $45.84.

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