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Upturn AI SWOT - About
OZK 
Bank Ozk (OZK)
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Upturn Advisory Summary
08/28/2025: OZK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $56.44
1 Year Target Price $56.44
| 1 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.97% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.91B USD | Price to earnings Ratio 8.52 | 1Y Target Price 56.44 |
Price to earnings Ratio 8.52 | 1Y Target Price 56.44 | ||
Volume (30-day avg) 9 | Beta 0.87 | 52 Weeks Range 35.00 - 53.66 | Updated Date 08/29/2025 |
52 Weeks Range 35.00 - 53.66 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 6.16 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 47.44% | Operating Margin (TTM) 61.01% |
Management Effectiveness
Return on Assets (TTM) 1.84% | Return on Equity (TTM) 12.68% |
Valuation
Trailing PE 8.52 | Forward PE 8.53 | Enterprise Value 4969154048 | Price to Sales(TTM) 3.9 |
Enterprise Value 4969154048 | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 4.5 | Enterprise Value to EBITDA - | Shares Outstanding 112641000 | Shares Floating 105006528 |
Shares Outstanding 112641000 | Shares Floating 105006528 | ||
Percent Insiders 6.58 | Percent Institutions 96.6 |
Upturn AI SWOT
Bank Ozk
Company Overview
History and Background
Bank OZK was founded in 1903 as a community bank in Ozark, Arkansas. Originally named First National Bank of Ozark, it has grown through strategic acquisitions and organic expansion, transforming into a regional bank with a focus on commercial real estate lending. The bank rebranded as Bank OZK in 2015.
Core Business Areas
- Real Estate Specialties Group (RESG): This segment focuses on commercial real estate lending, providing financing for various property types across the United States. It is Bank OZK's primary business driver.
- Community Banking: Offers traditional banking services such as deposit accounts, loans, and other financial products to individuals and small businesses in its local markets.
- Indirect Lending: Bank OZK offers indirect RV and marine lending through a network of dealers.
Leadership and Structure
George Gleason is the Chairman and CEO. The bank has a board of directors and an executive management team overseeing its various business units and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Bank OZK specializes in providing large-scale commercial real estate financing across diverse property types and geographic locations. While specific market share data is not readily available, they are a major player in this segment. Competitors include large national banks, regional banks, and private lenders such as JPMorgan Chase (JPM), Wells Fargo (WFC), and Starwood Property Trust (STWD).
- Community Banking Services: Offers traditional banking services, including checking and savings accounts, mortgages, and small business loans. Market share varies by location. Competitors include regional and community banks like Regions Financial (RF), and Simmons First National (SFNC).
- Indirect RV and Marine Lending: Offers indirect RV and marine lending through a network of dealers. Market share is smaller compared to their CRE lending but is still a significant part of their portfolio. Competitors include Ally Financial (ALLY) and various credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and technological disruption. There is also increased competition in the CRE lending space.
Positioning
Bank OZK is positioned as a specialist in commercial real estate lending, particularly in high-growth markets. Its competitive advantages include its expertise in this niche, its quick decision-making process, and its strong relationships with developers.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is in the trillions of dollars. Bank OZK is positioned to capture a segment of this market through its specialization and expertise.
Upturn SWOT Analysis
Strengths
- Expertise in commercial real estate lending
- Strong asset quality historically
- Efficient operations
- Experienced management team
Weaknesses
- Concentration in commercial real estate lending makes it vulnerable to CRE market downturns
- Geographic concentration in the Southern United States
- Sensitivity to interest rate changes
- Higher cost of deposits compared to larger peers
Opportunities
- Expansion into new geographic markets
- Growth in community banking services
- Increased demand for CRE lending in certain sectors
- Technological innovation to improve efficiency and customer service
Threats
- Economic downturn and CRE market correction
- Increased competition from other lenders
- Rising interest rates and inflation
- Regulatory changes
- Impact of potential loan losses
Competitors and Market Share
Key Competitors
- JPM
- WFC
- STWD
- RF
- SFNC
- ALLY
Competitive Landscape
Bank OZK's advantages include its specialized expertise and quick decision-making, but it faces challenges from larger banks with greater resources and lower cost of capital.
Major Acquisitions
Community & Southern Holdings, Inc.
- Year: 2016
- Acquisition Price (USD millions): 802.5
- Strategic Rationale: Expanded Bank OZK's presence in the attractive Atlanta market and enhanced its community banking operations.
Growth Trajectory and Initiatives
Historical Growth: Bank OZK has grown significantly through acquisitions and organic growth in its CRE lending business.
Future Projections: Future growth projections depend on economic conditions and the performance of the CRE market. Analysts' estimates can vary.
Recent Initiatives: Recent initiatives include expanding into new markets and enhancing its technology platform.
Summary
Bank OZK is a regional bank specializing in commercial real estate lending, possessing a track record of solid asset quality and efficient operations. Its dependence on the CRE market is a potential risk, particularly given current economic uncertainty. Recent initiatives to diversify and enhance technology are steps in the right direction. Monitoring interest rate sensitivity and loan loss reserves will be crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Bank OZK Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company reports and press releases
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market conditions and company performance can change rapidly. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank Ozk
Exchange NASDAQ | Headquaters Little Rock, AR, United States | ||
IPO Launch date 1997-07-17 | Chairman & CEO Mr. George G. Gleason II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3205 | Website https://www.ozk.com |
Full time employees 3205 | Website https://www.ozk.com | ||
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services in the United States. The company offers 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 also provides 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 offers 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.
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