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OZK

Bank OZK

Financial Services · $5.1B market cap

Verdict

Share price

$46.71

close of Oct 3, 2026

Fair value

$127.80

Sticker Price

Payback Price

$51.12

buy price

On Sale

OZK is On Sale: at $46.71 it trades 9% below its buy price (Payback Price) of $51.12 and 63% below its fair value of $127.80. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth18.3% a year✓
Equity per share growth17.2% a year✓
Sales growth20.3% a year✓
Free cash flow growth17.9% a year✓
Return on invested capital-24.4%✗

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Superinvestors

2 of the investors we track hold OZK. Who we track

Francois Rochon

Giverny Capital · as of Q2 2026

$62.4M

1,198,116 shares

Bruce Berkowitz

Fairholme Capital · as of Q2 2026

$48.0M

921,252 shares

About Bank OZK

Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings encompass a wide array of account types, such as demand deposit accounts (both interest and non-interest-bearing), business sweep, savings, money market, and individual retirement accounts, alongside various time deposit options. Beyond deposits, Bank OZK extends diverse…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works