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Arkansas-based regional bank known nationally for large construction/real-estate development lending alongside community banking.
Arkansas-based regional bank known nationally for large construction/real-estate development lending alongside community banking.
Earns mostly interest on loans funded by deposits, with large construction loans from its Real Estate Specialties Group as the engine, balances that build up gradually as projects draw funds, plus fees at origination. George Gleason, chairman and chief executive for decades, built it from a small Arkansas bank, formerly Bank of the Ozarks until 2018.
Moat: narrow (process know-how, customer qualification). Specialized large-balance construction lending expertise (RESG) differentiates it, though concentration raises risk.
Headquarters: Little Rock, Arkansas, United States · Founded: 1903 · Employees: 3,280
Size Bank OZK (OZK) is a United States Financials company (Regional Banks) with a market value of $5.53B, the 1114th largest of 3,117 United States companies the cockpit tracks. Shares closed at $50.64 on 6 Nov 2026.
Performance Over six months the shares gained 4.4%, against +5.3% for the median peer and -1.1% for the United States market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue fell 0.4% over the last twelve months (peer median +5.4%); the operating margin is 51.5% (peer median 43.4%).
Valuation It trades at 0.93× book value against a peer median of 1.27× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 8.9%; Bank OZK delivers 11.3%, so the price asks less than the business earns today.
Credit Bank OZK has 1 bond outstanding ($350M).
Short interest Short interest is 17.3% of the free float (15 Oct 2026).
Next results Next results expected around 21 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.77B | $2.80B | $2.77B | $2.25B | $1.38B |
| Revenue growth | — | +1% | +23% | +63% | — |
| Net income | $691M | $715M | $716M | $691M | $564M |
| Free cash flow | $762M | $732M | $739M | $840M | $727M |
| Capital expenditure | $103M | $106M | $95.6M | $29.1M | $29.9M |
| Total debt | $668M | $636M | $947M | $1.34B | $1.13B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Bank OZK OZK | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% |
| Home BancShares HOMB | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% |
| Simmons First National SFNC | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% |
| Western Alliance Bancorp WAL | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | OZK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +12.9% | +1.5% | highest of 21 |
| 6-month return | +4.4% | +5.3% | 11th highest of 21 |
| Return on equity | 11.3% | 10.5% | 7th highest of 21 |
| Price / book | 0.93× | 1.27× | 7th cheapest of 21 |
| Trailing P/E | 8.4× | 12.4× | 5th cheapest of 19 |
| ROE the price implies | 8.9% | 8.2% | 10th most demanding of 20 |
| ROE delivered | 11.3% | 10.5% | 7th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
Bank OZK has 1 bond outstanding with $350M face value.