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Upturn AI SWOT - About
OZK 
Bank Ozk (OZK)
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Upturn Advisory Summary
09/16/2025: 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 -17.28% | Avg. Invested days 33 | 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 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.77B USD | Price to earnings Ratio 8.31 | 1Y Target Price 56.44 |
Price to earnings Ratio 8.31 | 1Y Target Price 56.44 | ||
Volume (30-day avg) 9 | Beta 0.92 | 52 Weeks Range 35.00 - 53.66 | Updated Date 09/16/2025 |
52 Weeks Range 35.00 - 53.66 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.20% | 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 8.31 | Forward PE 7.76 | Enterprise Value 4826099712 | Price to Sales(TTM) 3.81 |
Enterprise Value 4826099712 | Price to Sales(TTM) 3.81 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 112641000 | Shares Floating 105006528 |
Shares Outstanding 112641000 | Shares Floating 105006528 | ||
Percent Insiders 6.58 | Percent Institutions 96.61 |
Upturn AI SWOT
Bank Ozk
Company Overview
History and Background
Bank OZK was founded in 1903 as a small community bank in Ozark, Arkansas. Initially named First National Bank of Ozark, it focused on serving local farmers and businesses. Throughout the 20th century, it grew organically and through acquisitions. In 2010, the bank changed its name to Bank OZK to reflect its expanded geographic footprint and business lines. The bank is based in Little Rock, Arkansas. It has expanded its loan portfolio to include Real Estate Specialties Group (RESG) loans which are large commercial real estate construction projects across the US.
Core Business Areas
- Real Estate Specialties Group (RESG): Provides financing for large commercial real estate projects nationwide, focusing on construction and development loans.
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses in its retail footprint.
- Indirect Lending: Finances the purchase of automobiles, RVs, and boats through a network of dealers.
Leadership and Structure
George Gleason is the Chairman and CEO. The organizational structure includes various executive vice presidents overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Construction Loans: Bank OZK is a significant player in commercial real estate construction lending. Market share data is not readily available publicly. Competitors include regional and national banks with CRE lending arms (e.g., Truist, PNC). Significant revenue driver for Bank Ozk.
- Indirect Consumer Lending: Offers indirect lending services for RV, boats, and auto dealers. Market share data is not readily available publicly. Competitors include banks like Capital One, Ally Financial, and regional banks, as well as captives owned by auto manufacturers. Significant revenue driver for Bank Ozk.
- Traditional Banking Services: Provides deposit accounts, loans, and other services to retail customers in its branch network. Market share is fragmented and varies by region. Competitors include large national banks (e.g., Bank of America, Wells Fargo) and smaller regional banks. Bank Ozk has focused less on growing this segment.
Market Dynamics
Industry Overview
The banking industry is heavily regulated and influenced by economic conditions, interest rates, and technological advancements. There is increasing competition from fintech companies and non-bank lenders.
Positioning
Bank OZK is a regional bank with a national presence in specialized lending areas. Its expertise in commercial real estate construction lending is a key differentiator.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is multi-billion-dollar market that fluctuates based on macroeconomic conditions. Bank OZK is positioned as a niche lender within this market, focusing on specific types of projects and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong expertise in commercial real estate construction lending
- Disciplined underwriting process
- Experienced management team
- Relatively high net interest margin
- Geographic diversity in lending portfolio
Weaknesses
- Concentration in commercial real estate lending, making it susceptible to downturns in that sector
- Higher loan loss provisions compared to some peers
- Reliance on wholesale funding
- Smaller branch network compared to larger banks
Opportunities
- Expansion into new geographic markets
- Growth in other specialized lending areas
- Increased adoption of technology to improve efficiency
- Capitalizing on disruption in the banking industry driven by fintech.
Threats
- Economic downturn and recession
- Rising interest rates
- Increased competition from other lenders
- Regulatory changes
- Decline in commercial real estate values
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- Western Alliance Bancorporation (WAL)
- Truist Financial Corporation (TFC)
- PNC Financial Services Group (PNC)
Competitive Landscape
Bank OZK's competitive advantages include its expertise in CRE lending and its disciplined underwriting process. Its disadvantages include its smaller size compared to larger national banks.
Major Acquisitions
Hilldale Bancorp
- Year: 2010
- Acquisition Price (USD millions): 126
- Strategic Rationale: Expanded Bank OZK's presence in Arkansas and Oklahoma.
Growth Trajectory and Initiatives
Historical Growth: Bank OZK has grown significantly through organic growth and acquisitions. Focus has been on RESG loans.
Future Projections: Future growth is tied to the health of the commercial real estate market and the bank's ability to manage credit risk. Analyst estimates vary and should be researched.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new geographic markets.
Summary
Bank OZK is a regional bank with a strong focus on commercial real estate construction lending. Its expertise in this area has fueled its growth. However, its concentration in CRE makes it vulnerable to economic downturns. Bank OZK needs to carefully manage its credit risk and diversify its loan portfolio to ensure sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- SEC Filings
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are based on publicly available data and may not be precise.
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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