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Upturn AI SWOT - About
OZK 
Bank Ozk (OZK)
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Upturn Advisory Summary
03/20/2025: OZK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -27.54% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.16B USD | Price to earnings Ratio 7.4 | 1Y Target Price 53.88 |
Price to earnings Ratio 7.4 | 1Y Target Price 53.88 | ||
Volume (30-day avg) 1155329 | Beta 1.22 | 52 Weeks Range 36.36 - 53.64 | Updated Date 03/27/2025 |
52 Weeks Range 36.36 - 53.64 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 3.70% | Basic EPS (TTM) 6.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 48.37% | Operating Margin (TTM) 61.98% |
Management Effectiveness
Return on Assets (TTM) 1.98% | Return on Equity (TTM) 13.21% |
Valuation
Trailing PE 7.4 | Forward PE 7.52 | Enterprise Value 3614224384 | Price to Sales(TTM) 3.48 |
Enterprise Value 3614224384 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 113604000 | Shares Floating 106009107 |
Shares Outstanding 113604000 | Shares Floating 106009107 | ||
Percent Insiders - | Percent Institutions 95.52 |
Analyst Ratings
Rating 2.89 | Target Price 52.25 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Bank Ozk
Company Overview
History and Background
Bank OZK was founded in 1903 in Jasper, Arkansas, as the Bank of Ozark. It has grown through acquisitions and organic expansion, focusing on real estate lending.
Core Business Areas
- Real Estate Specialties Group (RESG): Provides senior secured financing on commercial real estate projects nationwide. This is their primary area of focus.
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products, to individuals and businesses in its local markets.
- Indirect Lending: Primarily involves financing used recreational vehicles and marine products.
Leadership and Structure
George Gleason is the Chairman and CEO. The bank has a traditional corporate structure with executive leadership overseeing various business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate development projects. They hold a significant position in this niche market. While exact market share fluctuates, they are a prominent player. Competitors include regional and national banks focused on commercial real estate lending, as well as private credit funds.
- Community Banking Services: Offers deposit accounts, loans, and other banking products to individuals and businesses in its local markets. Market share varies by geographic region. Competitors include other community banks, regional banks, and national banks with a local presence.
- Indirect Lending: Provides financing for recreational vehicles and marine products through dealers. Competitors include specialty finance companies and other banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. The commercial real estate sector faces headwinds from rising interest rates and potential economic slowdown.
Positioning
Bank OZK positions itself as a specialist in commercial real estate lending, particularly through its RESG. Its competitive advantage lies in its expertise in this area and its ability to efficiently underwrite and manage these loans.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is substantial, estimated to be in the trillions of dollars. Bank OZK captures a small but significant portion of this market through its specialized focus. The TAM for community banking is also substantial; Bank OZK focuses on specific regions.
Upturn SWOT Analysis
Strengths
- Expertise in commercial real estate lending
- Strong track record of profitability
- Experienced management team
- Efficient operations
- Disciplined underwriting
Weaknesses
- Concentration in commercial real estate lending
- Sensitivity to interest rate changes
- Geographic concentration in certain markets
- Higher risk profile due to focus on CRE development loans
- Potential for negative impact due to economic downturns
Opportunities
- Expansion into new geographic markets
- Diversification of loan portfolio
- Investment in technology to improve efficiency
- Increased demand for commercial real estate financing
- Growth in the recreational vehicle and marine lending markets
Threats
- Economic downturn affecting real estate values
- Rising interest rates increasing borrowing costs
- Increased competition from other lenders
- Regulatory changes impacting lending practices
- Credit losses on commercial real estate loans
Competitors and Market Share
Key Competitors
- WAL
- BOH
- CMA
- HBAN
- RF
Competitive Landscape
Bank OZK's competitive advantages include its expertise in commercial real estate lending and its efficient operations. Its disadvantages include its concentration in commercial real estate lending and its sensitivity to interest rate changes.
Major Acquisitions
Community National Bank Corp.
- Year: 2015
- Acquisition Price (USD millions): 282.5
- Strategic Rationale: Expanded Bank OZK's presence in Florida.
Hilldale Bancorp, Inc.
- Year: 2010
- Acquisition Price (USD millions): 46
- Strategic Rationale: Expanded Bank OZK's presence in Wisconsin.
Growth Trajectory and Initiatives
Historical Growth: Bank OZK has historically grown through acquisitions and organic expansion. Analyze its past growth rates in terms of assets, loans, and deposits.
Future Projections: Analyst estimates for Bank OZK's future growth can be found on financial websites and in research reports. Consider projections for revenue growth, earnings growth, and loan growth.
Recent Initiatives: Recent initiatives may include expansion into new markets, investments in technology, and strategic acquisitions. Review Bank OZK's investor presentations and press releases for information on recent initiatives.
Summary
Bank OZK is a well-managed bank with a strong focus on commercial real estate lending. Its expertise in this area has led to consistent profitability. However, its concentration in commercial real estate makes it vulnerable to economic downturns and rising interest rates. The bank needs to carefully manage its risk exposure and continue to diversify its loan portfolio.
Similar Companies
- WAL
- BOH
- CMA
- HBAN
- RF
- FFWM
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Bank OZK Investor Relations
- Financial News Articles
- Third-Party Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share percentages are approximations based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank Ozk
Exchange NASDAQ | Headquaters Little Rock, AR, United States | ||
IPO Launch date 1997-07-17 | Chairman & CEO Mr. George G. Gleason II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3028 | Website https://www.ozk.com |
Full time employees 3028 | Website https://www.ozk.com | ||
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services in the United States. The company offers 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; trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts, as well as corporate trust services that includes trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which includes 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. It also offers real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and affordable 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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