Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.62 | 8.74 | 7.97 | 7.52 | 8.02 | 7.45 | 7.39 | 7.14 | 6.93 | 6.74 | 7.53 | 8.30 | 6.22 | 6.83 | 6.06 | 7.47 | 9.16 | 8.53 | 10.47 | 10.12 | 10.74 |
| — | +17.4% | +7.8% | +5.4% | +15.6% | +10.4% | -1.8% | -14.1% | +11.5% | -1.3% | +24.1% | +11.1% | -32.1% | -19.9% | -42.1% | -26.1% | -14.8% | -6.1% | +16.8% | +20.3% | +69.3% | |
| P/S Ratio | 2.97 | 3.32 | 3.04 | 2.93 | 3.22 | 3.13 | 3.03 | 3.08 | 2.90 | 2.80 | 3.19 | 3.41 | 2.68 | 2.95 | 2.69 | 3.31 | 3.65 | 3.91 | 4.78 | 5.14 | 5.14 |
| — | +6.2% | +0.4% | -5.0% | +11.0% | +11.5% | -4.9% | -9.8% | +8.0% | -5.0% | +18.3% | +3.1% | -26.5% | -24.4% | -43.7% | -35.7% | -28.9% | -24.2% | -4.4% | +34.4% | +85.2% | |
| P/B Ratio | 0.86 | 0.91 | 0.83 | 0.84 | 0.95 | 0.90 | 0.85 | 0.89 | 0.88 | 0.86 | 0.98 | 1.10 | 0.86 | 0.95 | 0.84 | 1.01 | 1.04 | 0.98 | 1.14 | 1.25 | 1.23 |
| — | +0.7% | -2.8% | -5.4% | +8.4% | +4.6% | -13.4% | -19.3% | +1.9% | -9.4% | +16.6% | +9.3% | -16.9% | -3.0% | -25.9% | -19.2% | -15.5% | -19.3% | -5.9% | +32.1% | +86.0% | |
| P/FCF | 7.01 | 7.56 | 6.00 | 7.35 | 7.78 | 10.45 | 5.12 | 10.49 | 4.75 | 8.63 | 5.77 | 7.60 | 3.95 | 7.56 | 4.06 | 7.07 | 5.10 | 7.27 | 7.36 | 9.67 | 12.71 |
| — | -27.7% | +17.2% | -29.9% | +63.8% | +21.1% | -11.2% | +38.1% | +20.2% | +14.1% | +42.1% | +7.4% | -22.5% | +4.0% | -44.9% | -26.8% | -59.9% | -52.0% | -15.7% | +42.3% | +140.9% | |
| EV / EBITDA | 5.28 | 4.73 | 4.32 | 6.15 | 3.14 | 3.49 | 3.44 | 2.95 | 2.81 | 2.97 | 3.56 | 5.26 | 4.55 | 5.01 | 4.87 | 5.44 | 6.60 | 5.84 | 6.88 | 6.37 | 6.92 |
| — | +35.6% | +25.7% | +108.4% | +12.0% | +17.5% | -3.5% | -43.9% | -38.3% | -40.7% | -26.9% | -3.4% | -31.1% | -14.2% | -29.2% | -14.5% | -4.6% | -6.8% | +33.4% | +54.7% | +114.7% | |
| EV / EBIT | 5.99 | 5.65 | 4.96 | 6.15 | 3.54 | 4.08 | 3.74 | 3.38 | 3.01 | 3.23 | 3.84 | 5.48 | 4.83 | 5.41 | 5.27 | 5.73 | 7.03 | 6.21 | 7.33 | 6.73 | 7.35 |
| — | +38.4% | +32.8% | +81.9% | +17.5% | +26.3% | -2.5% | -38.3% | -37.7% | -40.3% | -27.2% | -4.3% | -31.2% | -12.9% | -28.2% | -14.9% | -4.4% | -6.0% | +34.7% | +52.6% | +111.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.0% | 89.4% | 90.0% | 88.5% | 89.3% | 91.8% | 90.6% | 91.0% | 89.0% | 88.2% | 89.4% | 89.4% | 88.8% | 89.3% | 90.4% | 90.9% | 87.6% | 97.6% | 98.5% | 102.7% | 102.7% |
| — | -2.6% | -0.7% | -2.7% | +0.3% | +4.0% | +1.3% | +1.7% | +0.3% | -1.1% | -1.1% | -1.6% | +1.3% | -8.5% | -8.2% | -11.5% | -14.7% | -12.6% | -12.0% | +5.4% | +5.8% | |
| Operating Margin | 54.1% | 49.7% | 50.6% | 51.8% | 53.9% | 56.0% | 54.7% | 57.0% | 55.8% | 55.3% | 56.6% | 52.7% | 56.0% | 56.0% | 56.5% | 58.3% | 52.3% | 60.6% | 60.5% | 66.0% | 62.9% |
| — | -11.2% | -7.5% | -9.1% | -3.5% | +1.3% | -3.3% | +8.3% | -0.3% | -1.3% | +0.1% | -9.6% | +7.0% | -7.6% | -6.7% | -11.7% | -16.9% | -17.5% | -16.6% | +11.7% | +13.0% | |
| Net Margin | 41.4% | 38.9% | 39.1% | 39.9% | 41.0% | 42.7% | 42.0% | 44.2% | 42.8% | 42.6% | 43.2% | 42.2% | 44.2% | 44.2% | 45.6% | 45.5% | 41.1% | 47.0% | 47.5% | 51.0% | 48.0% |
| — | -9.0% | -7.0% | -9.6% | -4.2% | +0.4% | -2.8% | +4.8% | -3.1% | -3.7% | -5.2% | -7.4% | +7.6% | -5.9% | -4.0% | -10.7% | -14.3% | -16.8% | -15.2% | +11.8% | +9.2% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 2.7% | 2.7% | 2.9% | 3.1% | 3.1% | 3.0% | 3.2% | 3.3% | 3.3% | 3.4% | 3.5% | 3.6% | 3.6% | 3.6% | 3.5% | 2.9% | 2.9% | 2.8% | 3.2% | 2.9% |
| — | -13.5% | -10.8% | -10.7% | -6.7% | -6.4% | -11.6% | -7.5% | -7.9% | -7.4% | -6.1% | -1.2% | +23.7% | +22.5% | +29.3% | +10.7% | +0.6% | -13.4% | -18.9% | +12.0% | +9.3% | |
| ROA | 1.8% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% | 0.5% | 0.5% | 0.5% | 0.6% | 0.5% |
| — | -11.5% | -10.8% | -11.3% | -8.9% | -6.9% | -11.1% | -7.9% | -10.8% | -15.4% | -16.7% | -13.5% | +7.8% | +10.8% | +20.2% | +6.3% | +2.8% | -7.0% | -8.5% | +27.5% | +20.4% | |
| ROIC | 10.6% | 2.3% | 2.3% | 2.5% | 2.6% | 2.6% | 2.5% | 2.8% | 2.8% | 2.8% | 2.8% | 2.5% | 2.5% | 2.6% | 2.6% | 2.8% | 2.3% | 2.3% | 2.1% | 2.5% | 2.3% |
| — | -11.7% | -8.1% | -7.5% | -8.7% | -7.7% | -8.7% | +10.9% | +13.3% | +9.2% | +5.9% | -10.9% | +9.5% | +12.9% | +24.6% | +13.4% | +1.5% | -13.3% | -20.3% | +11.9% | +15.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.11 | 0.13 | 0.08 | 0.13 | 0.21 | 0.13 | 0.15 | 0.11 | 0.16 | 0.13 | 0.25 | 0.39 | 0.33 | 0.31 | 0.23 | 0.20 | 0.21 | 0.26 | 0.25 | 0.27 |
| — | -50.1% | +1.0% | -51.1% | +12.8% | +32.4% | +2.6% | -37.6% | -71.3% | -50.8% | -58.5% | +8.2% | +90.2% | +54.9% | +17.8% | -9.8% | -24.3% | -13.8% | +3.9% | -1.6% | +2.4% | |
| Debt / EBITDA | 0.44 | 2.62 | 3.35 | 2.03 | 2.80 | 4.51 | 3.13 | 3.28 | 2.45 | 3.48 | 2.71 | 5.59 | 8.12 | 6.70 | 6.42 | 4.90 | 5.16 | 5.21 | 6.80 | 6.00 | 6.74 |
| — | -41.9% | +6.9% | -38.1% | +14.1% | +29.7% | +15.4% | -41.4% | -69.8% | -48.1% | -57.7% | +14.1% | +57.4% | +28.7% | -5.5% | -18.3% | -23.4% | -2.7% | +25.3% | -9.1% | -8.4% | |
| 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 | 0.20 | 0.21 | 0.22 | 0.24 | 0.26 | 0.30 | 0.28 |
| — | — | +5594.9% | — | -42.4% | -48.1% | -50.4% | -44.1% | -5.3% | -4.7% | -7.0% | -5.1% | -8.6% | -17.7% | -22.7% | -27.9% | -22.0% | -17.8% | -11.6% | +9.4% | +10.4% | |
| 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 | 0.20 | 0.21 | 0.22 | 0.24 | 0.26 | 0.30 | 0.28 |
| — | — | +5594.9% | — | -42.4% | -48.1% | -50.4% | -44.1% | -5.3% | -4.7% | -7.0% | -5.1% | -8.6% | -17.7% | -22.7% | -27.9% | -22.0% | -17.8% | -11.6% | +9.4% | +10.4% | |
| Interest Coverage | 0.87 | 0.88 | 0.87 | 0.87 | 0.86 | 0.88 | 0.86 | 0.83 | 0.81 | 0.82 | 0.88 | 0.93 | 1.11 | 1.44 | 2.03 | 3.14 | 5.87 | 11.20 | 12.97 | 13.76 | 11.63 |
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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 7.6x. The average P/E over the last 4 quarters is 8.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bank OZK's current operating margin is 54.1%. 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.