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/OZK
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Bank Ozk

Bank Ozk

OZK
$52.01USD↓-2.03%-1.08 today

MARKET CAP

5.9B

P/E (TTM)

8.5x

FWD P/E

8.5x

DAY RANGE

$52 – $53

52W RANGE

$42
$54

AI Summary

Stalk
Buy NowMedium

OZK remains in a Stage 2 advancing regime with clear higher highs and lows supported by rising EMAs and a continuation Parabola pattern. The medium-term uptrend is confirmed by price acceptance above the 50 DMA and accelerating demand, while the long-term trend remains bullish. Recently, price pulled back into the rising 9 EMA/20 EMA zone following an extended push, offering an actionable entry. Execution timing is favorable now for a pullback interaction into the EMAs to participate in the ongoing trend.

  • ↑10.1% YTD loan growth with a 4.20% net interest margin
  • ↑Opening 34 new branches to expand deposits and customer base
  • ↓High CRE exposure risks asset quality amid slowing property markets
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The case for & against

Bull & Bear analysis

Bullish

Bank OZK (NASDAQ: OZK) is a regional bank based in Little Rock, Arkansas, that specializes in commercial real estate (CRE) lending, commercial and industrial banking. The company is committed to diversifying its portfolio and enhancing its Corporate and Institutional Banking (CIB) segment, positioning itself to effectively navigate a challenging economic landscape while maximizing growth opportunities. The bank is focusing on increasing loan growth and operational efficiency, especially as it looks to expand its branch network in a competitive market.

Bull says

  • ↑10.1% YTD loan growth with a 4.20% net interest margin
  • ↑Opening 34 new branches to expand deposits and customer base
  • ↑Prudent ACL build-up safeguards credit quality amid CRE headwinds
  • ↑$200M buyback and 29th straight dividend increase support EPS
  • ↑Institutional ownership at 98.4% reflects strong market confidence
  • ↑Q1 revenue $418M and EPS $1.44 beat estimates; guidance raised

Bear says

  • ↓High CRE exposure risks asset quality amid slowing property markets
  • ↓Classified loans and non-performing assets are on the rise
  • ↓NIM vulnerable to Fed rate hikes, pressuring net margins
  • ↓RESG segment slowdown may curb future loan growth momentum
  • ↓Intensifying CIB competition pressures loan yields and fee income
  • ↓Downward growth factors and earnings revision risks temper valuation

Investment themes with OZK

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-23-2026neutral

Transcript signals

Bull points

  • we had really some nice success in generating over nearly two dozen new relationships, upsizing nearly a dozen legacy relationships.
  • the diversification that we're building within CIB is allowing us to continue to grow at a nice clip in a way where we're not taking on any undue credit risk.
  • the diversification and the nature of which we're building CIB is affording us the opportunity to continue to grow without giving up yield and without sacrificing credit quality.

Bear points

  • we have seen some pricing compression.
  • we've had to pull back a little bit in our capital call subscription line facilities just due to increased pressure there, specifically from non-bank lenders and then insurance companies who have really entered that market and pushed down a little bit on pricing.
  • we have seen some pricing compression.
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