Bank OZK (OZK) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
6.21
+14% vs avg
5yr avg: 5.43
30Y Low3.1·High20.6
P/FCF
↓
7.29
-8% vs avg
5yr avg: 7.88
30Y Low4.8·High121.4
P/B Ratio
↓
0.88
↓-14% vs avg
5yr avg: 1.02
30Y Low0.8·High4.7
ROE
↓
12.1%
-5% vs avg
5yr avg: 12.8%
30Y Low7%·High27%
Debt/EBITDA
↓
0.50
↓-56% vs avg
5yr avg: 1.13
30Y Low0.5·High11.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OZK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Bank OZK trades at 7.8x earnings, 8% below its 5-year average of 8.5x, sitting at the 10th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 40%. On a free-cash-flow basis, the stock trades at 7.3x P/FCF, 8% below the 5-year average of 7.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.3B | $5.2B | $5.1B | $5.7B | $4.8B | $6.0B | $4.0B | $3.9B | $2.9B | $6.1B | $5.5B |
| Enterprise Value | $5.8B | $5.6B | $3.2B | $4.8B | $4.9B | $5.2B | $2.8B | $3.1B | $3.1B | $6.1B | $5.1B |
| P/E Ratio → | 7.83 | 7.46 | 7.25 | 8.49 | 8.82 | 10.41 | 13.84 | 9.25 | 7.05 | 14.46 | 20.38 |
| P/S Ratio | 1.90 | 1.84 | 1.83 | 2.54 | 3.50 | 5.08 | 3.44 | 3.12 | 2.45 | 5.83 | 7.29 |
| P/B Ratio | 0.88 | 0.84 | 0.89 | 1.11 | 1.03 | 1.25 | 0.95 | 0.95 | 0.78 | 1.76 | 1.97 |
| P/FCF | 7.29 | 7.05 | 6.87 | 6.71 | 6.58 | 12.20 | 8.06 | 12.08 | 4.75 | 17.64 | 27.98 |
| P/OCF | 6.37 | 6.16 | 6.08 | 6.49 | 6.32 | 11.42 | 7.33 | 9.27 | 4.17 | 15.85 | 22.76 |
P/E links to full P/E history page with 30-year chart
OZK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Bank OZK's enterprise value stands at 6.2x EBITDA, 14% above its 5-year average of 5.4x. The Financial Services sector median is 11.5x, placing the stock at a 46% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.00 | 1.15 | 2.15 | 3.53 | 4.39 | 2.34 | 2.49 | 2.59 | 5.82 | 6.73 |
| EV / EBITDA | 6.21 | 6.02 | 3.12 | 5.21 | 6.28 | 6.54 | 6.57 | 5.18 | 5.27 | 9.91 | 11.32 |
| EV / EBIT | 6.21 | 6.02 | 3.41 | 5.59 | 6.76 | 6.92 | 7.33 | 5.58 | 5.61 | 10.39 | 11.87 |
| EV / FCF | — | 7.68 | 4.30 | 5.69 | 6.63 | 10.53 | 5.49 | 9.65 | 5.03 | 17.62 | 25.86 |
OZK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Bank OZK earns an operating margin of 33.3%, above the Financial Services sector average of 21.6%. Operating margins have compressed from 38.5% to 33.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 12.1% is modest. ROIC of 10.6% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.4% | 55.4% | 53.4% | 62.0% | 85.0% | 99.7% | 66.4% | 75.9% | 77.2% | 86.3% | 88.8% |
| Operating Margin | 33.3% | 33.3% | 33.6% | 38.5% | 52.3% | 63.4% | 32.0% | 44.7% | 46.1% | 55.5% | 56.2% |
| Net Profit Margin | 25.5% | 25.5% | 25.8% | 30.7% | 40.9% | 48.8% | 24.8% | 33.7% | 34.7% | 40.4% | 35.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 12.1% | 13.2% | 14.1% | 11.8% | 12.7% | 6.9% | 10.7% | 11.5% | 13.5% | 12.7% |
| ROA | 1.8% | 1.8% | 2.0% | 2.2% | 2.1% | 2.2% | 1.2% | 1.9% | 1.9% | 2.1% | 1.9% |
| ROIC | 10.6% | 10.6% | 10.7% | 10.7% | 9.1% | 9.9% | 5.5% | 9.3% | 10.2% | 12.2% | 12.5% |
| ROCE | 4.2% | 4.2% | 13.3% | 13.6% | 12.0% | 13.0% | 7.3% | 12.5% | 14.1% | 17.0% | 17.1% |
OZK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Bank OZK carries a Debt/EBITDA ratio of 0.5x, which is very conservative (88% below the sector average of 4.1x). Net debt stands at $464M ($464M total debt minus $0 cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 0.15 | 0.25 | 0.23 | 0.25 | 0.26 | 0.17 | 0.12 | 0.13 | 0.16 |
| Debt / EBITDA | 0.50 | 0.50 | 0.87 | 1.37 | 1.38 | 1.54 | 2.63 | 1.16 | 0.78 | 0.71 | 1.00 |
| Net Debt / Equity | — | 0.08 | -0.33 | -0.17 | 0.01 | -0.17 | -0.30 | -0.19 | 0.04 | -0.00 | -0.15 |
| Net Debt / EBITDA | 0.50 | 0.50 | -1.86 | -0.94 | 0.05 | -1.04 | -3.07 | -1.30 | 0.29 | -0.01 | -0.93 |
| Debt / FCF | — | 0.63 | -2.57 | -1.03 | 0.06 | -1.67 | -2.57 | -2.42 | 0.27 | -0.02 | -2.13 |
| Interest Coverage | 0.87 | 0.87 | 0.83 | 1.26 | 5.83 | 9.23 | 1.96 | 2.03 | 2.65 | 5.09 | 7.02 |
OZK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.80x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.20x to 0.80x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.80 | 0.80 | 0.11 | 0.20 | 0.21 | 0.30 | 0.27 | 0.21 | 0.18 | 0.18 | 0.15 |
| Quick Ratio | 0.80 | 0.80 | 0.11 | 0.20 | 0.21 | 0.30 | 0.27 | 0.21 | 0.18 | 0.18 | 0.15 |
| Cash Ratio | — | — | 0.09 | 0.08 | 0.05 | 0.10 | 0.11 | 0.08 | 0.02 | 0.02 | 0.06 |
| Asset Turnover | — | 0.07 | 0.07 | 0.07 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OZK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Bank OZK returns 6.3% to shareholders annually — split between a 3.6% dividend yield and 2.7% buyback yield. The payout ratio of 27.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 12.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.6% | 3.8% | 3.5% | 2.8% | 3.1% | 2.4% | 3.4% | 3.1% | 3.5% | 1.5% | 1.1% |
| Payout Ratio | 27.5% | 27.5% | 25.0% | 23.6% | 27.0% | 25.3% | 47.7% | 28.4% | 24.5% | 21.0% | 23.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 12.8% | 13.4% | 13.8% | 11.8% | 11.3% | 9.6% | 7.2% | 10.8% | 14.2% | 6.9% | 4.9% |
| FCF Yield | 13.7% | 14.2% | 14.6% | 14.9% | 15.2% | 8.2% | 12.4% | 8.3% | 21.0% | 5.7% | 3.6% |
| Buyback Yield | 2.7% | 2.8% | 0.2% | 2.8% | 7.4% | 3.2% | 0.0% | 0.0% | 0.1% | 0.0% | 0.1% |
| Total Shareholder Yield | 6.3% | 6.6% | 3.7% | 5.6% | 10.5% | 5.7% | 3.5% | 3.1% | 3.6% | 1.5% | 1.2% |
| Shares Outstanding | — | $112M | $114M | $115M | $121M | $130M | $129M | $129M | $129M | $126M | $105M |
Peer Comparison
Compare OZK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OZKYou | $5B | 7.8 | 6.2 | 7.3 | 55.4% | 33.3% | 12.1% | 10.6% | 0.5 |
 IBOC | $5B | 11.1 | 8.7 | 9.2 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
 SFNC | $3B | -7.2 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $5B | 13.4 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 FFIN | $5B | 20.8 | 14.2 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 UMBF | $10B | 14.4 | 12.1 | 10.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 BOKF | $10B | 16.4 | 17.2 | 7.2 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 EWBC | $17B | 12.8 | 9.5 | 11.2 | 60.1% | 37.4% | 15.9% | 11.2% | 1.6 |
 BANR | $2B | 11.6 | 9.5 | 9.0 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 COLB | $7B | 12.9 | 11.8 | 10.0 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 GBCI | $6B | 24.5 | 24.4 | 18.3 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Side-by-side business, growth, and profitability comparison vs International Bancshares Corporation.
Start ComparisonOZK — Frequently Asked Questions
Quick answers to the most common questions about buying OZK stock.
What is Bank OZK's P/E ratio?
Bank OZK's current P/E ratio is 7.8x. The historical average is 14.2x. This places it at the 10th percentile of its historical range.
What is Bank OZK's EV/EBITDA?
Bank OZK's current EV/EBITDA is 6.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.8x.
What is Bank OZK's ROE?
Bank OZK's return on equity (ROE) is 12.1%. The historical average is 15.6%.
Is OZK stock overvalued?
Based on historical data, Bank OZK is trading at a P/E of 7.8x. This is at the 10th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Bank OZK's dividend yield?
Bank OZK's current dividend yield is 3.63% with a payout ratio of 27.5%.
What are Bank OZK's profit margins?
Bank OZK has 55.4% gross margin and 33.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Bank OZK have?
Bank OZK's Debt/EBITDA ratio is 0.5x, indicating low leverage. A ratio below 2x is generally considered financially healthy.