Bank OZK

OZKAP

Banks - Regional · Financial Services

Price

$16.45

+0.02 (+0.12%)

Market Cap

$5.64B

Exchange

NASDAQ Global Select

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−13.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 129.6M (2021) → 112.1M (2025)

Bank OZK is a regional bank headquartered in Little Rock, Arkansas. It offers standard banking services like checking and savings accounts, loans, and deposits to individual customers and businesses. The bank is especially known for its Real Estate Specialties Group, which makes large construction and development loans on commercial real estate projects across the United States.

Bank OZK earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits — a spread called net interest income. It operates mainly in the southern United States but its commercial real estate lending reaches borrowers nationwide, giving it a larger footprint than most banks its size. The main risk the bank faces is its heavy concentration in commercial real estate lending, which makes it more vulnerable than typical regional banks when property values fall or construction activity slows during economic downturns.

Winston Score History

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on OZKAP in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-2.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

10.0%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$38.2B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Bank OZK's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

56.9%

Premium pricing power — 56.9% gross margin

Operating Margin

32.0%

Excellent — 32.0% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+0.7%

Nearly flat sales (0.7% YoY)

EPS YoY

+0.5%

Flat earnings

Single-digit earnings growth — steady but not exciting.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

114%

Turns 114% of profit into real cash

FCF Margin

25.1%

Converts sales into free cash efficiently (25.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.13

Conservative — low debt load (0.13)

Interest Cover

0.87x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

2.7x

Attractive valuation — P/E 2.7

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

3.65%

Moderate income — 3.65% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

Dividend flat

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