Bank OZK trades at a forward price-to-earnings ratio of 8.0x with best-in-class margins of 45% and a perfect Piotroski F-Score of 8 out of 9, but it is trading above its analyst price target at a 52-week high with 2 consecutive earnings misses and 14% short interest signaling professional skepticism.
Thesis pillars
- High Short Interest Bearish Signal→Stable
- Best In Class Net Margin→Stable
- Breakout Technical Momentum→Stable
- +1 more pillar — see the Why tab for full reasoning
Bank OZK (OZK) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Sell if holding. At $44.83, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.4%; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7).
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
Sell if holding. At $44.83, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.4%; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7). Chart setup: RSI 41 mid-range, Bollinger mid-band. Score 4.8/10, moderate confidence.
Passes 5/8 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 7d<=7d. Suitability: aggressive.
Recent developments
updated 2026-10-13Recent Developments — Bank OZK
Latest news
- NEWS Bank OZK: Faster Diversification Is Worth Near-Term Earnings Pressure (NASDAQ:OZK) - Seeking Alpha — Seeking Alpha neutral
- NEWS Bank Ozk earnings beat by $0.01, revenue topped estimates - Investing.com — Investing.com positive
- NEWS Bank OZK Misses Estimates as Q1 Profit Slips and Expenses Rise - Arkansas Business — Arkansas Business negative
- NEWS Bank OZK (OZK) Reports Q1 Earnings, EPS Beats Expectations - GuruFocus — GuruFocus positive
- NEWS Here's What Key Metrics Tell Us About Bank OZK (OZK) Q2 Earnings - Yahoo Finance — Yahoo Finance positive
Generated 2026-10-13T11:47:15Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
2 floor-breakers
Revenue shrinking — -2.1% YoY. Growth thesis broken unless recovery story develops.static
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $44.83, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.4%; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7). Chart setup: RSI 41 mid-range, Bollinger mid-band. Prior stop was $42.71. Score 4.8/10, moderate confidence.
Take-profit target: $46.79 (+4.4% upside). Prior stop was $42.71. Stop-loss: $42.71.
Thin upside margin: 4.4%; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7); Earnings in 7 days (event risk).
Bank OZK trades at a P/E of 7.5 (forward 7.5). TrendMatrix value score: 7.9/10. Verdict: Sell.
14 analysts cover OZK with a consensus score of 3.4/5. Average price target: $54.
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.