Is Bank OZK overvalued or undervalued?

As of 17 October 2025, the valuation grade for Bank OZK has moved from very attractive to attractive. The company appears to be undervalued based on its current metrics, with a P/E ratio of 7, a Price to Book Value of 0.89, and an EV to EBITDA ratio of 3.86. In comparison to peers, First Horizon Corp. has a P/E of 13.43, while SouthState Corp. shows a higher P/E of 15.16, indicating that Bank OZK is trading at a significant discount relative to its competitors.
Despite recent underperformance, with a year-to-date return of 3.21% compared to the S&P 500's 13.30%, Bank OZK's long-term performance remains strong, showing a 113.17% return over the past five years, which outpaces the S&P 500's 91.29%. This suggests that while the stock may be facing short-term challenges, its overall valuation remains attractive relative to its peers.