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Upturn AI SWOT - About
OZK 
Bank Ozk (OZK)
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Upturn Advisory Summary
10/20/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $57.56
1 Year Target Price $57.56
| 1 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.73% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.20B USD | Price to earnings Ratio 7.5 | 1Y Target Price 57.56 |
Price to earnings Ratio 7.5 | 1Y Target Price 57.56 | ||
Volume (30-day avg) 9 | Beta 0.89 | 52 Weeks Range 34.68 - 53.17 | Updated Date 10/20/2025 |
52 Weeks Range 34.68 - 53.17 | Updated Date 10/20/2025 | ||
Dividends yield (FY) 3.70% | Basic EPS (TTM) 6.16 |
Earnings Date
Report Date 2025-10-16 | When After Market | Estimate 1.65 | Actual 1.59 |
Profitability
Profit Margin 46.89% | Operating Margin (TTM) 60.33% |
Management Effectiveness
Return on Assets (TTM) 1.83% | Return on Equity (TTM) 12.35% |
Valuation
Trailing PE 7.5 | Forward PE 7.64 | Enterprise Value 3158037504 | Price to Sales(TTM) 3.38 |
Enterprise Value 3158037504 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 4.38 | Enterprise Value to EBITDA - | Shares Outstanding 112641359 | Shares Floating 104993202 |
Shares Outstanding 112641359 | Shares Floating 104993202 | ||
Percent Insiders 6.58 | Percent Institutions 96.55 |
Upturn AI SWOT
Bank Ozk
Company Overview
History and Background
Bank OZK, originally Bank of the Ozarks, was founded in 1903 in Jasper, Arkansas. Initially a small community bank, it has grown through strategic acquisitions and organic expansion, focusing on specialized lending sectors, particularly real estate. Renamed Bank OZK in 2018, it reflects its broadened scope and national presence.
Core Business Areas
- Real Estate Specialties Group (RESG): Provides financing for commercial real estate projects across the United States. This is a primary revenue driver.
- Community Banking: Offers traditional banking products and services to individuals and small businesses in its branch network.
- Indirect Lending: Provides indirect consumer loans through a network of dealers.
- Other Lending: Includes other specialized lending activities such as equipment financing and SBA lending.
Leadership and Structure
George Gleason serves as the Chairman and CEO. The bank operates with a traditional hierarchical structure with regional and departmental heads reporting to executive management. The Board of Directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for various commercial real estate projects, including construction and development. Market share data specific to Bank OZK is difficult to obtain, but it is a significant player in this niche. Competitors include regional and national banks with CRE lending divisions, and specialty finance companies.
- Community Banking Services: Includes deposit accounts, loans, and other banking services for individuals and small businesses. Market share is geographically limited to its branch network. Competitors include other regional and national banks operating in the same markets.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increasing regulatory scrutiny, and evolving technological advancements. Competition is intense, with traditional banks facing challenges from fintech companies.
Positioning
Bank OZK is positioned as a specialized lender with expertise in commercial real estate. Its focus on higher-yield lending differentiates it from traditional banks. It is known for its rapid growth but has faced scrutiny regarding its loan portfolio quality.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is estimated to be in the trillions of dollars. Bank OZK, with its specialized focus, captures a small but significant portion of this market. Their positioning towards high risk and high return projects means they are on the higher end of the risk scale, but also the higher end of potential return.
Upturn SWOT Analysis
Strengths
- Strong growth in loan portfolio
- Expertise in commercial real estate lending
- High net interest margin
- Experienced management team
Weaknesses
- Concentration in commercial real estate lending
- Sensitivity to interest rate fluctuations
- Potential for credit quality issues in a downturn
- Higher cost of deposits compared to peers.
Opportunities
- Expansion into new geographic markets
- Diversification of lending portfolio
- Increased adoption of technology
- Growing demand for commercial real estate financing
Threats
- Economic downturn impacting real estate values
- Increased competition from other lenders
- Regulatory changes impacting lending practices
- Rising interest rates impacting borrower affordability
Competitors and Market Share
Key Competitors
- STWD
- AREC
- BXMT
Competitive Landscape
Bank OZK's advantage lies in its expertise in commercial real estate. However, it faces competition from larger, more diversified banks and specialty finance companies. Its concentration in CRE lending is both a strength and a weakness.
Major Acquisitions
Summit Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 302.5
- Strategic Rationale: Expanded Bank OZK's presence in Arkansas and surrounding markets.
Growth Trajectory and Initiatives
Historical Growth: Bank OZK has experienced significant growth through acquisitions and organic expansion, particularly in its RESG segment.
Future Projections: Analyst projections vary but generally anticipate continued growth in the loan portfolio, albeit at a potentially slower pace due to economic uncertainty.
Recent Initiatives: Recent initiatives include investments in technology and continued expansion of its RESG lending activities.
Summary
Bank OZK is a specialized lender with a strong focus on commercial real estate, demonstrating rapid growth. However, its concentrated portfolio and higher cost of deposits are vulnerabilities. Future success depends on managing credit risk and adapting to changing market conditions. Initiatives to improve customer service is a positive and something that must be focused on.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates, news articles.
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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 3028 | Website https://www.ozk.com |
Full time employees 3028 | 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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