Bank OZK (OZK)

合理估值

Financial ServicesBanks - RegionalUnited States

基本面

价格

$46.66

市值

$5.01B

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第一部分 · 这家公司值多少

概览

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 2026年9月19日 with claude-haiku-4-5 — shared with all users

Valley National BancorpVLY

P/E: 10.7Score: 65Market cap: $6.97B

Competes head-on for large commercial real-estate and construction loans in the same New York, Florida and Southeast markets where Bank OZK's Real Estate Specialties Group originates.

Simmons First National CorporationSFNC

P/E: —Score: 53Market cap: $3.26B

The other large Arkansas-based commercial bank, competing for the same retail deposits and middle-market business lending across Arkansas, Tennessee and Texas.

Home BancShares, Inc. (Centennial Bank)HOMB

Arkansas-headquartered regional bank of similar size chasing the same commercial-real-estate borrowers and core deposits across Arkansas, Florida, Texas and New York.

Flagstar Financial, Inc. (formerly New York Community Bancorp)FLG

A comparably CRE-concentrated regional lender bidding for the same multifamily and commercial property loans in New York and other major metros.

Synovus Financial Corp.SNV

Southeastern regional bank of similar scale competing for the same commercial real-estate developers and business customers in Georgia, Florida and the Carolinas.

Arbor Realty Trust, Inc.ABR

Non-bank lender writing the same construction and bridge loans to multifamily and commercial developers that Bank OZK's Real Estate Specialties Group targets.

信息来源: Bank OZK Has Dominated Construction Lending. Its CEO Has No Plans To Slow Down — Bisnow Early CRE payoffs drive Bank OZK into new specialties — American Banker Bank OZK — Wikipedia Bank of the Ozarks / Bank OZK — SEC EDGAR 10-K filings

资产负债表与流动性

营收

$1.74B

最近12个月（截至2026/6/30）

净利润

$691M

最近12个月（截至2026/6/30）

自由现金流

$732M

股东权益合计

$6.13B

负债合计

$34.66B

流动比率

利息覆盖率

债务/EBITDA

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$57.01

当前价格

$46.66

安全边际

+18.1%

公允价值区间

$43.54 - $70.49

所用估值方法之间的离散区间，并非经过统计校准的置信区间。

估算方法

分析师目标价:$54.00

现金流折现法（DCF）:不适用于此类公司

市盈率法（P/E）:$47.50

格雷厄姆成长公式:不适用于此类公司

盈利能力价值（EPV）:不适用于此类公司

合理市净率（P/B）:$71.33

股息折现模型（戈登模型）:$35.26

P/FFO（运营资金）:不适用于此类公司

周期中段收益:不适用于此类公司

市销率法（P/S）:不适用于此类公司

分析师共识:持有 (6B / 7H / 1S)

最近财报超预期:-0.05%

估值指标

市盈率（P/E）

7.41

ROE

11.7%

市净率（P/B）

0.83

P/FCF

6.93

毛利率

ROIC

盈利能力雷达图

价值创造（经济护城河）

ROIC

WACC

8.5%

ROIC − WACC

基本面分析标准

通过（14）

EPS shows upward trend
EPS CAGR 10.86%
P/FCF 6.93
P/B Ratio 0.83
Positive Free Cash Flow
CapEx intensity
Price below Graham Number
DCF valuation (Undervalued)
ROE 11.2%
Revenue Growth 5Y 6.3%
PEG Ratio 0.32
Earnings Quality (OCF/NI) 1.17
Share Dilution -0.8%
Piotroski F-Score 5/9

未通过（5）

Price CAGR -1.31%
Debt/Equity ratio
Analyst Consensus 43% Buy
Earnings Surprise avg -1.8%
Net Margin Trend 41.4% vs 43.2%

不可用（9）

ROIC NaN%
Gross Margin NaN%
Dividend Payout NaN%
Operating Margin NaN%
Current Ratio
Interest Coverage
Debt/EBITDA
Return on Tangible Assets
Low reliance on intangibles

Piotroski F-评分

5/9

信号混杂：部分领域需关注

score

criteria

盈利质量

1.17

高质量：盈利有现金流支撑

股权稀释

-0.8%

正在回购股份，对股东友好

机构持股

公司治理

管理团队

姓名	职位	年龄
Mr. George G. Gleason II	Chairman & CEO	71
Mr. Paschall Brannon Hamblen	President	59
Mr. Tim Hicks CPA	Chief Financial Officer	52
Ms. Cynthia Wolfe	Chief Operating Officer	59
Mr. John Carter	Chief Credit Officer	44
Mr. Stan Thomas	Chief Accounting Officer	53
Mr. Jason Cathey	Chief Information Officer	43
Ms. Tamara Gotham	Chief Administrative Officer	41
Ms. Helen Woodyard Brown J.D.	General Counsel & Corporate Secretary	47
Ms. Candace Graham	Executive VP & Director of Corporate Communication	-

审计风险

董事会风险

薪酬风险

股东权利风险

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for OZK, sourced from Markets Gazette.

4/22/2026NEUTRAL
Bank OZK Q1 2026 Earnings Call Transcript
Bank OZK is scheduled to hold its Q1 2026 Earnings Call on April 22, 2026, at 1:55 PM UTC. While the specific financial results are not detailed in this announcement, the call itself is a standard corporate event for investors to gain insights into the bank's performance, strategic initiatives, and future outlook. Investors will be looking for updates on net interest margin, loan growth, deposit trends, and asset quality. The outcome of this call will likely influence investor sentiment and the bank's stock performance.

via Markets Gazette