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Upturn AI SWOT - About
OZK 
Bank Ozk (OZK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
04/22/2025: OZK (1-star) is currently NOT-A-BUY. Pass it for now.
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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $50.62
Year Target Price $50.62
| 1 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.55% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.31B USD | Price to earnings Ratio 7.73 | 1Y Target Price 50.62 |
Price to earnings Ratio 7.73 | 1Y Target Price 50.62 | ||
Volume (30-day avg) 9 | Beta 0.85 | 52 Weeks Range 35.31 - 53.03 | Updated Date 06/30/2025 |
52 Weeks Range 35.31 - 53.03 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.65% | Basic EPS (TTM) 6.09 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 47.88% | Operating Margin (TTM) 60.37% |
Management Effectiveness
Return on Assets (TTM) 1.9% | Return on Equity (TTM) 12.85% |
Valuation
Trailing PE 7.73 | Forward PE 7.86 | Enterprise Value 4024557056 | Price to Sales(TTM) 3.56 |
Enterprise Value 4024557056 | Price to Sales(TTM) 3.56 | ||
Enterprise Value to Revenue 3.85 | Enterprise Value to EBITDA - | Shares Outstanding 112619000 | Shares Floating 105028576 |
Shares Outstanding 112619000 | Shares Floating 105028576 | ||
Percent Insiders 6.57 | Percent Institutions 97.72 |
Analyst Ratings
Rating 3 | Target Price 50.62 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 6 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Bank Ozk
Company Overview
History and Background
Bank OZK, formerly Bank of the Ozarks, was founded in 1903 in Jasper, Arkansas. It has grown through organic expansion and strategic acquisitions, focusing on real estate lending and community banking.
Core Business Areas
- Real Estate Specialties Group (RESG): Provides financing for commercial real estate projects, including construction and development loans, across various property types nationally.
- Community Banking: Offers traditional banking services such as deposit accounts, loans, and wealth management to individuals and businesses in its geographic footprint.
- Indirect Lending: Offers indirect RV and marine loans through dealers across the United States
Leadership and Structure
George Gleason is the Chairman and CEO. The bank has a board of directors and operates through various departments and divisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending (RESG): Offers construction and development loans for various commercial real estate projects. Market share data isn't explicitly reported, but it's a significant player in this segment. Competitors include large national banks and other regional banks with real estate lending divisions.
- Community Banking Services: Provides deposit accounts, loans, and other financial services to local businesses and individuals. The market share depends on the specific geographic region served. Competitors include other community banks, credit unions, and national banks.
- Indirect RV and Marine Loans: Provides indirect RV and Marine loans through dealers. Market share data isn't explicitly reported. Competitors include other national banks, credit unions and specialized RV and Marine lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment characterized by rising interest rates, increased regulatory scrutiny, and technological disruption. Competition for deposits and loans is intense.
Positioning
Bank OZK is positioned as a regional bank with a national lending platform, particularly in commercial real estate. Its competitive advantages include its expertise in real estate lending and its disciplined credit culture. The company maintains a high level of credit standards.
Total Addressable Market (TAM)
The total addressable market (TAM) for commercial real estate lending is estimated to be in the trillions of dollars. Bank OZK's position in this TAM is significant, given its national presence and focus on this segment, but still represents a small percentage of the overall market.
Upturn SWOT Analysis
Strengths
- Strong credit culture
- Expertise in real estate lending
- Disciplined risk management
- Experienced management team
- Solid capital base
Weaknesses
- Concentration in real estate lending
- Sensitivity to interest rate changes
- Geographic concentration in certain markets
- Potential for credit losses in a downturn
- Reliance on wholesale funding
Opportunities
- Expansion into new markets
- Diversification of loan portfolio
- Increased fee income generation
- Adoption of new technologies
- Strategic acquisitions
Threats
- Economic downturn
- Rising interest rates
- Increased competition
- Regulatory changes
- Credit losses
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- USB
Competitive Landscape
Bank OZK competes with larger national banks and other regional banks in its markets. Its advantages include its expertise in real estate lending and its disciplined credit culture. Disadvantages include its smaller size and geographic concentration.
Major Acquisitions
Hillcrest Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 280
- Strategic Rationale: Expanded Bank OZK's presence in Texas and Oklahoma.
Growth Trajectory and Initiatives
Historical Growth: Bank OZK has experienced strong growth in recent years, driven by its real estate lending activities and strategic acquisitions.
Future Projections: Analysts project continued growth for Bank OZK, driven by its strong credit culture and expertise in real estate lending. Revenue and earnings are expected to increase at a moderate pace.
Recent Initiatives: Recent initiatives include expanding into new markets, diversifying its loan portfolio, and adopting new technologies.
Summary
Bank OZK demonstrates a strong performance with consistent profitability and a solid credit culture, particularly within its real estate lending segment. The company faces inherent risks due to its concentration in real estate and sensitivity to interest rate fluctuations. Management is taking steps to diversify the loan portfolio. The bank must remain vigilant in managing credit risk amid evolving economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Bank OZK Investor Relations
- SEC Filings
- Analyst Reports
- MarketWatch
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
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 3096 | Website https://www.ozk.com |
Full time employees 3096 | 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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