Bank OZK stock
OZKNASDAQFinancial ServicesISIN US06417N1037
74Score 74 out of 100, Strong
Price and trend
70 / 100
Price history
+12% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 3.7% above it.
Since October 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 49).
The price is 5.0% below its 52-week high. Largest decline in 20 years: 72% (March 2017 to April 2020).
Chart figures for advanced users
- SMA 50$48.17
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$48.65
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)49
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$42.64
- The lowest closing price of the last twelve months.
- Resistance$53.09
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Bank OZK belongs to the Banks (Regional) industry (United States) and, with a market value of $5.51B, is number 171 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.73B (up 4.2% year on year) and earnings of $715.48M (down 0.1%).
- For fiscal 2026, analysts expect on average revenue of $1.74B (up 0.8%) and adjusted earnings per share of $5.92 (down 4%).
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- MEQIRI Score 74 out of 100 (Strong): rank 270 of 976 in Financial Services, median 68.
- The P/E is 8.4 (Banks (Regional) median 12.2, own median of recent years 9).
- Our model puts fair value at $77.43, with the price 35% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for over 28 years.Capital allocation 58
- Earnings per share growingUp 22.4% a year since 2020.Growth 79
- Share buybacksShare count down 15% since 2020.Capital allocation 58
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and stability.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 73 to 74.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $64.52 and expensive above $96.78 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $81.29 (excess return model) and $73.56 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $70.65, at 7.8% it would be $87.59.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 1.1% on the twelve months before. Revenue has grown strongly since 2006, at around 17% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 54%, net 41%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 19 Jan 2027in 68 days
- Last reported
- 20 Oct 2026EPS reported $1.50 (expected $1.43)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $5.92+2.2%
- Revenue
- $1.74B+0.6%
- Earnings per share
- $6.060.0%
- Revenue
- $1.83B+0.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −1.3%The 2026 guidance of mid single digit loan growth is reaffirmed, and more loan growth is expected in the third and fourth quarters despite a softer second quarter.
“I guess sticking with the loan growth discussion, I think the guidance still calls for the mid-single-digit loan growth for the full year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 22 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Bank OZK
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 74
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Intercorp Financial ServicesIFS $5.65B79
- Ameris BancorpABCB $5.56B61
- Atlantic Union BanksharesAUB $5.56B70
- Taiwan Business Bank2834.TW $5.56B65
- St. Galler KantonalbankSGKN.SW $5.23B61
- Axos FinancialAX $5.2B80
- Eastern BanksharesEBC $5.16B72
- Berner KantonalbankBEKN.SW $5.08B59
ETFs that hold Bank OZK
Held by 20 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P U.S. Banks UCITS ETFIUS2 | 0.70% | 0.35% | €1B |
| Fidelity US Quality Income UCITS ETF INC-USDFUSD | 0.64% | 0.25% | €1.89B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.38% | 0.39% | €1.47B |
Show 5 more
| Fidelity Global Quality Income UCITS ETF INC-USDFGEQ | 0.28% | 0.40% | €1.03B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.22% | 0.30% | €944.34M |
| iShares Dow Jones U.S. Select Dividend UCITS ETF (DE)EXX5 | 0.21% | 0.31% | €415.03M |
| State Street SPDR S&P U.S. Dividend Aristocrats UCITS ETF (Dist)SPYD | 0.20% | 0.35% | €3.62B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.20% | 0.43% | €2.48B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.