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Bank OZK

OZKAP
60
Banks - Regional · Financial Services
Exchange
NASDAQ Global Select
Winston Score
60
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
Exceptional
Dividends
Mixed
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Winston Score History

The full picture

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

Bank OZK earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits — a spread called net interest income. It operates mainly in the southern United States but its commercial real estate lending reaches borrowers nationwide, giving it a larger footprint than most banks its size. The main risk the bank faces is its heavy concentration in commercial real estate lending, which makes it more vulnerable than typical regional banks when property values fall or construction activity slows during economic downturns.

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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
+5.4
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (8.2 → 2.8)

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Dividends

Dividend
Dividend Yield
3.59%
no trend
Moderate income — 3.59% yield

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

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

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