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Bank OZK (OZK) Stock Analysis

Range Bound setup

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $48.22 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2).

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual... Read more

$48.22+1.5% A.UpsideScore 5.2/10#126 of 142 Banks - Regional
Stop $45.80Target $48.71(resistance)A.R:R -0.8:1
Analyst target$52.33+8.5%9 analysts
$48.71our TP
$48.22price
$52.33mean
$40
$61

Sell if holding. Analyst target reached at $48.22 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: RSI 53 mid-range, Bollinger mid-band. Score 5.2/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 77d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
Attractive valuation
Margin of safety: 49%
Risks
Analyst target reached - limited upside remaining
Consecutive earnings misses (2)
Weak growth

Key Metrics

P/E (TTM)7.7
P/E (Fwd)7.4
Mkt Cap$5.2B
EV/EBITDA
Profit Mgn45.3%
ROE11.8%
Rev Growth1.4%
Beta0.92
Dividend3.83%
Rating analysts14

Quality Signals

Piotroski F7/9

Options Flow

P/C2.64bearish
IV48%normal
Max Pain$23-53.3% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Revenue Growth
2.8
Earnings Growth
2.8
GatesA.R:R -0.8=NEGATIVEMomentum 5.4<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.4>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 77d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
53 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $45.07Resistance $49.70

Price Targets

$46
$49
A.Upside+1.0%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-5.1% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-16 (77d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is OZK stock a buy right now?

Sell if holding. Analyst target reached at $48.22 — A.R:R is negative (-0.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: RSI 53 mid-range, Bollinger mid-band. Prior stop was $45.80. Score 5.2/10, moderate confidence.

What is the OZK stock price target?

Take-profit target: $48.71 (+1.5% upside). Prior stop was $45.80. Stop-loss: $45.80.

What are the risks of investing in OZK?

Analyst target reached - limited upside remaining; Consecutive earnings misses (2); Weak growth.

Is OZK overvalued or undervalued?

Bank OZK trades at a P/E of 7.7 (forward 7.4). TrendMatrix value score: 7.2/10. Verdict: Sell.

What do analysts say about OZK?

14 analysts cover OZK with a consensus score of 3.5/5. Average price target: $52.

What does Bank OZK do?Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services....

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

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