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Upturn AI Summary - About
Bank Ozk(OZK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OZK
10/23/2026: OZK (1-star) is currently NOT-A-BUY. Pass it for now.
Bank OZK is a regional financial institution that distinguishes itself through a dual-model approach: traditional retail community banking in the Southeast and a high-yield, national commercial real estate lending business. The company is known for maintaining strong net interest margins and disciplined underwriting, which has historically fueled growth. The main investment story rests on its unique ability to successfully finance complex construction projects. Key risks include its concentration in the cyclical commercial real estate sector and sensitivity to broader economic conditions and interest rate environments. This stock may suit value or dividend-focused investors, though it carries higher volatility than a typical retail bank.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to the cyclical CRE market, which can limit consistent long-term appreciation. |
| Momentum investor | Strong fit while signal remains positive | The stock can see significant price moves based on interest rate sentiment and CRE market health. |
| Value investor | Strong fit | Often trades at a reasonable valuation relative to its strong margins and historical performance. |
| Dividend investor | Strong fit | A history of consistent and growing dividends makes it attractive for income-focused portfolios. |
| Low-risk investor | Weak fit | Specialization in commercial real estate construction loans introduces higher volatility than standard retail banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock's focus on cyclical CRE lending leads to price swings linked to macro economic sentiment. |
| Valuation risk | Medium | Market sentiment toward regional banks can cause price deviations from intrinsic value. |
| Competition risk (CRE specialized lending) | High | Increasing participation from private credit and large money-center banks pressures margins. |
| Business quality | Strong | The bank has a well-documented history of disciplined underwriting and operational efficiency. |
| Dividend income | Strong | Consistent payout ratios suggest a stable income stream for shareholders. |
| Execution risk | Medium | Success relies heavily on the continued ability to source and manage high-quality construction projects. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -22.38% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.42B USD | Price to earnings Ratio 8.2 | 1Y Target Price 53.78 |
Price to earnings Ratio 8.2 | 1Y Target Price 53.78 | ||
Volume (30-day avg) 1.8M shares | Beta 0.91 | 52 Weeks Range 40.71 - 52.60 | Updated Date 10/22/2026 |
52 Weeks Range 40.71 - 52.60 | Updated Date 10/22/2026 | ||
Dividends yield (FY) 3.78% | Basic EPS (TTM) 6.06 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| RESG (Real Estate Specialties Group) | Large-scale construction loans for urban, institutional-grade properties. | This is the primary engine for high-yield growth, carrying the most risk and reward. |
| Community Banking | Traditional retail and commercial deposits and local lending. | This provides the stable, low-cost deposit base that funds the higher-yield loan portfolio. |
Earnings Date
Report Date 2026-10-20 | When After Market | Estimate 1.45 | Actual 1.5 |
Profitability
Profit Margin 43.77% | Operating Margin (TTM) 54.58% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 11.03% |
Valuation
Trailing PE 8.2 | Forward PE 7.64 | Enterprise Value 5.79B | Price to Sales(TTM) 3.51 |
Enterprise Value 5.79B | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 3.35 | Enterprise Value to EBITDA - | Shares Outstanding 109.04M | Shares Floating 100.01M |
Shares Outstanding 109.04M | Shares Floating 100.01M | ||
Percent Insiders 6.83 | Percent Institutions 97.95 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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