Is Bank OZK overvalued or undervalued?

As of 17 October 2025, Bank OZK has moved from a very attractive to an attractive valuation grade. The company appears to be undervalued based on its current metrics, particularly with a P/E ratio of 7, a Price to Book Value of 0.89, and an EV to EBITDA of 3.86. In comparison, First Horizon Corp. has a P/E of 13.43, while SouthState Corp. shows a much higher P/E of 15.16, indicating that Bank OZK is trading at a significant discount relative to its peers.
Despite recent struggles, with a 1-week return of -5.88% compared to the S&P 500's 1.70%, Bank OZK has shown resilience over the longer term, achieving a 5-year return of 113.17% versus the S&P 500's 91.29%. This suggests that while the stock may currently be undervalued, it has the potential for recovery and growth in the future.