| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 97 | 2.4x | 17.4x | Top tier | |
Growth | 26 | -0.4% | 7.1% | Bottom tier | |
Quality | 67 | — | — | Top tier | |
Safety | 22 | — | — | Bottom tier | |
Capital Return | 99 | 13.10% | 0.18% | Top tier | |
Momentum | 24 | -12.1% | 1.3% | Bottom tier | |
Sentiment | 1 | 1 | 3 | Bottom tier |
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Bank OZK is a bank that combines community banking, indirect and recreational vehicle lending, real estate financing through RESG, and corporate and institutional banking through CIB. The bank generates income from net interest on loans and investments, alongside fees from treasury management, interest rate and commodity hedging, debt and equity placement, and loan-related services. CIB includes more than 7 major business lines and covers more than 42 unique economic classifications, with opportunities to cross-sell deposit, wealth management, and capital markets services to the same clients.
In Q2 fiscal 2026, Bank OZK reported revenue of $672.9 million, gross profit of $384.4 million, net income of $167.4 million, and earnings per share of $1.49. Gross profit represented approximately 57.1% of revenue, while net income represented approximately 24.9%. Compared with Q1 fiscal 2026, revenue increased from $661.5 million, net income rose from $163.4 million, and earnings per share increased from $1.44.
Revenue for the 2026 TTM period was approximately $2.8 billion, with gross profit of $1.6 billion, net income of $691.3 million, and earnings per share of $6.06. By comparison, fiscal 2025 recorded similar revenue of $2.8 billion, but net income was $715.5 million and earnings per share were $6.21. The bank is currently reshaping its portfolio mix; CIB exceeds $7 billion, while RESG exceeds $15 billion, and management expects the two portfolios to converge in size during fiscal 2027.
The context does not include a consensus price target or a high-to-low range of analyst targets, nor is a calculated price-to-earnings ratio available, so a reliable comparison between these two valuation anchors cannot be made. Analysts have a neutral consensus, while the 52-week range extends from $15.76 to $17.85, and this caution reflects the balance between CIB growth and margin improvement versus commercial real estate charge-offs, elevated RESG repayments, and deposit cost pressures.
Figures in the text are as of 2026-08-30; the live price is shown at the top of the page.
Bank OZK generated revenue of $672.9 million, net income of $167.4 million, and earnings per share of $1.49 in Q2 fiscal 2026. These figures increased from $661.5 million, $163.4 million, and $1.44, respectively, in the previous quarter. The net interest margin also improved by four basis points despite a wave of early repayments approaching $3 billion. A five-basis-point reduction in the cost of interest-bearing deposits and investment portfolio management helped offset the decline in average earning assets.
The CIB portfolio exceeds $7 billion, includes more than 7 major business lines, and covers more than 42 unique economic classifications. Activities include sponsor, fund, lender, natural resources, multi-unit franchise, asset-based, and equipment finance. The average spread on new CIB loans during Q2 fiscal 2026 increased by more than 25 basis points compared with the average of the existing portfolio. Management expects CIB and RESG to converge in size during fiscal 2027, reducing the bank’s dependence on commercial real estate.
Automated analysis for informational purposes only — not investment advice.
The RESG portfolio exceeds $15 billion, and the discussion during the call centered on its decline from a level representing approximately 48% of the loan portfolio. RESG repayments totaled approximately $9.95 billion during the four quarters ended Q2 fiscal 2026, with repayments approaching $3 billion in the latest quarter alone. The bank recorded a $22 million charge-off on an office building and a $3.7 million charge-off on a life sciences building during the same quarter. In contrast, sponsors provided $91.5 million in unscheduled repayments and $19.5 million in reserve deposits, while reducing unfunded commitments by $37.5 million and generating $5.4 million in modification fees.
Management reaffirmed its target of mid-single-digit loan growth during fiscal 2026. It expects average earning assets in each of Q3 and Q4 fiscal 2026 to be higher than in Q2 fiscal 2026. In contrast, it indicated that the net interest margin would likely remain below the 4.20% recorded in Q1 fiscal 2026. It also expects a modest increase in deposit costs after raising certificate of deposit offering rates by approximately ten basis points.
Bank OZK used approximately $175 million of a previous $200 million authorization during the four quarters preceding the call dated July 22, 2026. The purchases were executed at an average cost below tangible book value, which management described as supportive of tangible book value and earnings per share. The bank approved a new $200 million authorization for the following four quarters. However, management did not commit to using the full amount and explained that the amount executed would depend on the share price during that period.
