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Bank OZK

OZK
58
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
58
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Weak
Capital Strength
Strong
Asset Quality
Good
Valuation
Good
Dividends
Good
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Winston Score History

The full picture

Bank OZK is a regional bank headquartered in Little Rock, Arkansas. It offers everyday banking services like checking accounts, savings accounts, and loans to individuals and businesses across the United States. The bank is especially known for its Real Estate Specialties Group, which makes large construction and development loans on major commercial real estate projects nationwide.

Bank OZK earns money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. It operates branches mainly in the South and Southeast but its commercial real estate lending reaches borrowers across the country, giving it a footprint much larger than a typical community bank. Its competitive edge comes from deep expertise in complex construction lending, but that same concentration in commercial real estate is its biggest risk — if property values fall or developers default, loan losses could rise sharply and pressure earnings.

Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
10.6%
no trend
Solid — 10.6% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
4.11%
no trend
Wide spread — 4.11% net interest margin
Cost of running the bank
Efficiency Ratio
39.4%
no trend
Very lean — spends 39.4¢ to earn a dollar

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Growth

Sales growth
Sales YoY
-0.4%
Shrinking sales (-0.4% YoY)
Profit growth
EPS YoY
-2.1%
Earnings shrinking (-2.1% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Capital Strength

Safety cushion
Capital Ratio
11.6%
no trend
Well capitalised — 11.6% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.90%
no trend
Clean loan book — 0.90% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.56%
no trend
Rising losses — 0.56% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
8.2x
no trend
Attractive valuation — P/E 8.2

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-0.7
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
3.63%
no trend
Moderate income — 3.63% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+9.4%
no trend
Dividend growing modestly (9.4% YoY)

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