ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank OZK ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.49%
2
Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- GROSS NPA (%)(Q) Lowest at 0.18%
- NII(Q) Highest at USD 396.75 MM
3
With ROA of 1.48%, it has a attractive valuation with a 0.89 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -9.10%, its profits have risen by 2.4% ; the PEG ratio of the company is 1.9
4
High Institutional Holdings at 99.39%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.23% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank OZK should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank OZK for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank OZK
-2.88%
0.62
32.44%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.01%
EBIT Growth (5y)
18.03%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.72%
Pledged Shares
0
Institutional Holding
99.39%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.89
EV to EBIT
4.26
EV to EBITDA
3.86
EV to Capital Employed
0.85
EV to Sales
1.35
PEG Ratio
1.90
Dividend Yield
305.14%
ROCE (Latest)
19.95%
ROE (Latest)
12.22%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 396.75 MM
CASH AND EQV(HY)
Highest at USD 5,083.63 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 98.46%
OPERATING PROFIT(Q)
Highest at USD 239.66 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.86 %
PRE-TAX PROFIT(Q)
Highest at USD 239.66 MM
NET PROFIT(Q)
Highest at USD 182.98 MM
EPS(Q)
Highest at USD 1.58
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank OZK
Non Performing Loans (%)
Lowest at 0.18%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 396.75 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 239.66 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 35.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 239.66 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 182.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 5,083.63 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 98.46%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 40.38 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 40.38 MM has Grown at 104.38%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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