Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Bank OZK's quarterly P/E stands at 8.0x, up 7.8% year-over-year. EV/EBITDA has expanded 25.7% YoY to 4.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.26 | 7.97 | 7.52 | 8.02 | 7.45 | 7.39 | 7.14 | 6.93 | 6.74 | 7.53 | 8.30 | 6.22 | 6.83 |
| — | +7.8% | +5.4% | +15.6% | +10.4% | -1.8% | -14.1% | +11.5% | -1.3% | +24.1% | +11.1% | -32.1% | -19.9% | |
| P/S Ratio | 1.98 | 1.92 | 1.83 | 1.98 | 1.91 | 1.85 | 1.82 | 1.71 | 1.68 | 1.94 | 2.18 | 1.78 | 2.12 |
| — | +3.9% | +0.3% | +15.6% | +14.1% | -4.8% | -16.2% | -4.0% | -21.0% | -7.8% | -21.9% | -46.8% | -42.7% | |
| P/B Ratio | 0.93 | 0.83 | 0.84 | 0.95 | 0.90 | 0.85 | 0.89 | 0.88 | 0.86 | 0.98 | 1.10 | 0.86 | 0.95 |
| — | -2.8% | -5.4% | +8.4% | +4.6% | -13.4% | -19.3% | +1.9% | -9.4% | +16.6% | +9.3% | -16.9% | -3.0% | |
| P/FCF | 7.60 | 6.00 | 7.35 | 7.78 | 10.45 | 5.12 | 10.49 | 4.75 | 8.63 | 5.77 | 7.60 | 3.95 | 7.56 |
| — | +17.2% | -29.9% | +63.8% | +21.1% | -11.2% | +38.1% | +20.2% | +14.1% | +42.1% | +7.4% | -22.5% | +4.0% | |
| EV / EBITDA | 5.69 | 4.32 | 6.15 | 3.14 | 3.49 | 3.44 | 2.95 | 2.81 | 2.97 | 3.56 | 5.26 | 4.55 | 5.01 |
| — | +25.7% | +108.4% | +12.0% | +17.5% | -3.5% | -43.9% | -38.3% | -40.7% | -26.9% | -3.4% | -31.1% | -14.2% | |
| EV / EBIT | 6.45 | 4.96 | 6.15 | 3.54 | 4.08 | 3.74 | 3.38 | 3.01 | 3.23 | 3.84 | 5.48 | 4.83 | 5.41 |
| — | +32.8% | +81.9% | +17.5% | +26.3% | -2.5% | -38.3% | -37.7% | -40.3% | -27.2% | -4.3% | -31.2% | -12.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Bank OZK's operating margin was 32.0% in Q1 2026, down 0.4 pp QoQ and down 1.4 pp YoY. This marks the 4th consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.4% | 56.9% | 55.4% | 54.9% | 56.1% | 55.3% | 53.9% | 52.6% | 52.8% | 54.5% | 57.1% | 59.0% | 64.2% |
| — | +2.8% | +2.6% | +4.4% | +6.4% | +1.5% | -5.6% | -10.8% | -17.8% | -22.9% | -25.5% | -26.7% | -30.6% | |
| Operating Margin | 33.3% | 32.0% | 32.4% | 33.1% | 34.3% | 33.4% | 33.8% | 33.0% | 33.1% | 34.5% | 33.6% | 37.2% | 40.3% |
| — | -4.2% | -4.1% | +0.4% | +3.6% | -3.2% | +0.5% | -11.3% | -17.9% | -22.0% | -31.6% | -22.5% | -29.9% | |
| Net Margin | 25.5% | 24.7% | 25.0% | 25.2% | 26.2% | 25.6% | 26.2% | 25.3% | 25.5% | 26.4% | 26.9% | 29.4% | 31.8% |
| — | -3.7% | -4.7% | -0.3% | +2.6% | -2.7% | -2.7% | -13.9% | -19.9% | -26.1% | -29.8% | -22.1% | -28.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 2.7% | 2.9% | 3.1% | 3.1% | 3.0% | 3.2% | 3.3% | 3.3% | 3.4% | 3.5% | 3.6% | 3.6% |
| — | -10.8% | -10.7% | -6.7% | -6.4% | -11.6% | -7.5% | -7.9% | -7.4% | -6.1% | -1.2% | +23.7% | +22.5% | |
| ROA | 1.8% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% |
| — | -10.8% | -11.3% | -8.9% | -6.9% | -11.1% | -7.9% | -10.8% | -15.4% | -16.7% | -13.5% | +7.8% | +10.8% | |
| ROIC | 10.6% | 2.3% | 2.5% | 2.6% | 2.6% | 2.5% | 2.8% | 2.8% | 2.8% | 2.8% | 2.5% | 2.5% | 2.6% |
| — | -8.1% | -7.5% | -8.7% | -7.7% | -8.7% | +10.9% | +13.3% | +9.2% | +5.9% | -10.9% | +9.5% | +12.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Bank OZK's Debt/EBITDA ratio is 3.3x, up from 2.0x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 5594.9% YoY to 5.36x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.13 | 0.08 | 0.13 | 0.21 | 0.13 | 0.15 | 0.11 | 0.16 | 0.13 | 0.25 | 0.39 | 0.33 |
| — | +1.0% | -51.1% | +12.8% | +32.4% | +2.6% | -37.6% | -71.3% | -50.8% | -58.5% | +8.2% | +90.2% | +54.9% | |
| Debt / EBITDA | 0.44 | 3.35 | 2.03 | 2.80 | 4.51 | 3.13 | 3.28 | 2.45 | 3.48 | 2.71 | 5.59 | 8.12 | 6.70 |
| — | +6.9% | -38.1% | +14.1% | +29.7% | +15.4% | -41.4% | -69.8% | -48.1% | -57.7% | +14.1% | +57.4% | +28.7% | |
| Current Ratio | 0.80 | 5.36 | — | 0.11 | 0.10 | 0.09 | 0.11 | 0.19 | 0.19 | 0.19 | 0.20 | 0.20 | 0.20 |
| — | +5594.9% | — | -42.4% | -48.1% | -50.4% | -44.1% | -5.3% | -4.7% | -7.0% | -5.1% | -8.6% | -17.7% | |
| Quick Ratio | 0.80 | 5.36 | — | 0.11 | 0.10 | 0.09 | 0.11 | 0.19 | 0.19 | 0.19 | 0.20 | 0.20 | 0.20 |
| — | +5594.9% | — | -42.4% | -48.1% | -50.4% | -44.1% | -5.3% | -4.7% | -7.0% | -5.1% | -8.6% | -17.7% | |
| Interest Coverage | 0.87 | 0.87 | 0.87 | 0.86 | 0.88 | 0.86 | 0.83 | 0.81 | 0.82 | 0.88 | 0.93 | 1.11 | 1.44 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying OZK stock.
Bank OZK's current P/E is 8.3x. The average P/E over the last 4 quarters is 7.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bank OZK's current operating margin is 33.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Bank OZK's business trajectory between earnings reports.