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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash to Debt 1.54
OZRK's Cash to Debt is ranked higher than
73% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. OZRK: 1.54 )
OZRK' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.54

Equity to Asset 0.14
OZRK's Equity to Asset is ranked higher than
89% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OZRK: 0.14 )
OZRK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.14

0.06
0.14
Interest Coverage 8.23
OZRK's Interest Coverage is ranked higher than
94% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OZRK: 8.23 )
OZRK' s 10-Year Interest Coverage Range
Min: 0.36   Max: 8.23
Current: 8.23

0.36
8.23
F-Score: 5
Z-Score: 0.55
WACC vs ROIC
12.18%
13.00%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 49.48
OZRK's Operating margin (%) is ranked higher than
92% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. OZRK: 49.48 )
OZRK' s 10-Year Operating margin (%) Range
Min: 33.03   Max: 53.01
Current: 49.48

33.03
53.01
Net-margin (%) 33.54
OZRK's Net-margin (%) is ranked higher than
89% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. OZRK: 33.54 )
OZRK' s 10-Year Net-margin (%) Range
Min: 21.9   Max: 35.85
Current: 33.54

21.9
35.85
ROE (%) 14.90
OZRK's ROE (%) is ranked higher than
91% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. OZRK: 14.90 )
OZRK' s 10-Year ROE (%) Range
Min: 13.3   Max: 27.2
Current: 14.9

13.3
27.2
ROA (%) 2.02
OZRK's ROA (%) is ranked higher than
94% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OZRK: 2.02 )
OZRK' s 10-Year ROA (%) Range
Min: 0.94   Max: 2.85
Current: 2.02

0.94
2.85
ROC (Joel Greenblatt) (%) 73.13
OZRK's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. OZRK: 73.13 )
OZRK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 31.57   Max: 105.97
Current: 73.13

31.57
105.97
Revenue Growth (3Y)(%) 3.20
OZRK's Revenue Growth (3Y)(%) is ranked higher than
78% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OZRK: 3.20 )
OZRK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 33.2
Current: 3.2

0
33.2
EBITDA Growth (3Y)(%) 1.10
OZRK's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OZRK: 1.10 )
OZRK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 47.3
Current: 1.1

0
47.3
EPS Growth (3Y)(%) 1.10
OZRK's EPS Growth (3Y)(%) is ranked higher than
64% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. OZRK: 1.10 )
OZRK' s 10-Year EPS Growth (3Y)(%) Range
Min: 1.1   Max: 45.8
Current: 1.1

1.1
45.8
» OZRK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

OZRK Guru Trades in Q2 2014

Jim Simons 178,100 sh (-38.29%)
» More
Q3 2014

OZRK Guru Trades in Q3 2014

Jim Simons 48,200 sh (-72.94%)
» More
Q4 2014

OZRK Guru Trades in Q4 2014

Jim Simons 16,900 sh (-64.94%)
» More
Q1 2015

OZRK Guru Trades in Q1 2015

Jim Simons 184,717 sh (+993.00%)
» More
» Details

Insider Trades

Latest Guru Trades with OZRK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Top Ranked Articles about Bank of the Ozarks Inc

Weekly CEO Sells Highlight: Cardinal Health Inc, Bank of the Ozarks Inc, Walt Disney Co, CBIZ Inc.
According to GuruFocus Insider Data, these are the largest CEO sales during the past week: Cardinal Health Inc, Bank of the Ozarks Inc, Walt Disney Co, CBIZ Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 26.50
OZRK's P/E(ttm) is ranked higher than
65% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OZRK: 26.50 )
OZRK' s 10-Year P/E(ttm) Range
Min: 6.9   Max: 26.46
Current: 26.5

6.9
26.46
Forward P/E 17.76
OZRK's Forward P/E is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 17.76 )
N/A
PE(NRI) 26.40
OZRK's PE(NRI) is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OZRK: 26.40 )
OZRK' s 10-Year PE(NRI) Range
Min: 6.93   Max: 26.38
Current: 26.4

6.93
26.38
P/B 3.20
OZRK's P/B is ranked higher than
56% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. OZRK: 3.20 )
OZRK' s 10-Year P/B Range
Min: 1.07   Max: 5.03
Current: 3.2

1.07
5.03
P/S 8.90
OZRK's P/S is ranked lower than
56% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. OZRK: 8.90 )
OZRK' s 10-Year P/S Range
Min: 2.21   Max: 8.9
Current: 8.9

2.21
8.9
PFCF 51.20
OZRK's PFCF is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 51.20 )
OZRK' s 10-Year PFCF Range
Min: 10.4   Max: 267.86
Current: 51.2

10.4
267.86
POCF 40.67
OZRK's POCF is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. OZRK: 40.67 )
OZRK' s 10-Year POCF Range
Min: 5.47   Max: 69.86
Current: 40.67

5.47
69.86
EV-to-EBIT 18.47
OZRK's EV-to-EBIT is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. OZRK: 18.47 )
OZRK' s 10-Year EV-to-EBIT Range
Min: 6   Max: 23
Current: 18.47

6
23
PEG 1.52
OZRK's PEG is ranked higher than
90% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 1.52 )
OZRK' s 10-Year PEG Range
Min: 0.28   Max: 3.81
Current: 1.52

0.28
3.81
Shiller P/E 35.20
OZRK's Shiller P/E is ranked higher than
76% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 35.20 )
OZRK' s 10-Year Shiller P/E Range
Min: 8.39   Max: 41.9
Current: 35.2

8.39
41.9
Days Sales Outstanding 23.14
OZRK's Days Sales Outstanding is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 23.14 )
OZRK' s 10-Year Days Sales Outstanding Range
Min: 20.74   Max: 372.78
Current: 23.14

20.74
372.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
OZRK's Dividend Yield is ranked lower than
78% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. OZRK: 1.20 )
OZRK' s 10-Year Dividend Yield Range
Min: 0.82   Max: 3.06
Current: 1.2

0.82
3.06
Dividend Payout 0.30
OZRK's Dividend Payout is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. OZRK: 0.30 )
OZRK' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.47
Current: 0.3

0.06
0.47
Dividend growth (3y) 36.50
OZRK's Dividend growth (3y) is ranked higher than
94% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OZRK: 36.50 )
OZRK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.1
Current: 36.5

0
65.1
Yield on cost (5-Year) 4.56
OZRK's Yield on cost (5-Year) is ranked higher than
72% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. OZRK: 4.56 )
OZRK' s 10-Year Yield on cost (5-Year) Range
Min: 3.12   Max: 11.63
Current: 4.56

3.12
11.63
Share Buyback Rate -4.20
OZRK's Share Buyback Rate is ranked higher than
66% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. OZRK: -4.20 )
OZRK' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -9.7
Current: -4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.69
OZRK's Price/Tangible Book is ranked higher than
55% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. OZRK: 3.69 )
OZRK' s 10-Year Price/Tangible Book Range
Min: 1.02   Max: 4.86
Current: 3.69

1.02
4.86
Price/DCF (Projected) 3.02
OZRK's Price/DCF (Projected) is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 3.02 )
OZRK' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 3.64
Current: 3.02

0.74
3.64
Price/Median PS Value 1.72
OZRK's Price/Median PS Value is ranked higher than
58% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OZRK: 1.72 )
OZRK' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 1.72
Current: 1.72

0.29
1.72
Price/Peter Lynch Fair Value 2.44
OZRK's Price/Peter Lynch Fair Value is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OZRK: 2.44 )
OZRK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 2.7
Current: 2.44

0.29
2.7
Price/Graham Number 2.16
OZRK's Price/Graham Number is ranked higher than
61% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OZRK: 2.16 )
OZRK' s 10-Year Price/Graham Number Range
Min: 0.54   Max: 2.16
Current: 2.16

0.54
2.16
Earnings Yield (Greenblatt) 5.40
OZRK's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OZRK: 5.40 )
OZRK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.4   Max: 16.6
Current: 5.4

4.4
16.6
Forward Rate of Return (Yacktman) 11.21
OZRK's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. OZRK: 11.21 )
OZRK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7   Max: 46.1
Current: 11.21

7
46.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:BO8.Germany,
Bank of the Ozarks Inc was incorporated in June 1981. The Company owns an Arkansas state chartered subsidiary bank, Bank of the Ozarks, which conducts banking operations through banking offices in several communities. The Company provides retail and commercial banking services. Deposit services include checking, savings, money market, time deposit and individual retirement accounts. Loan services include various types of real estate, consumer, commercial, industrial and agricultural loans and various leasing services. It also provides mortgage lending, treasury management services including wholesale lock box services, remote deposit capture services, trust and wealth management services including financial planning and money management for individuals and businesses, custodial services and retirement planning, real estate appraisals, credit-related life and disability insurance, ATMs, telephone banking, Internet banking including on-line bill pay, debit cards among other products and services. Through third party provider, the Company offers credit cards for consumers and businesses, processing of merchant credit card transactions, and full service investment brokerage services. While the Bank provides a variety of retail and commercial banking services, it operates in only one segment; community banking. The Companys loan portfolio includes different types of real estate loans, consumer loans, commercial and industrial loans, agricultural loans and other types of loans. Some of its properties collateralizing the companys loan portfolio are located within the trade areas of the companys offices. The Companys lease portfolio consists mainly of small ticket direct financing commercial equipment leases. Its portfolio of real estate loans includes loans secured by residential 1-4 family, non-farm/non-residential, agricultural, construction/land development, multifamily residential properties and other land loans. The Company offers a variety of real estate loan products that are generally amortized over five to thirty years, payable in monthly or other periodic installments of main and interest, and due and payable in full at a balloon maturity generally within one to seven years. Its portfolio of consumer loans includes loans to individuals for household, family and other personal expenditures. Its commercial and industrial loan portfolio consists of loans for commercial, industrial and professional purposes including loans to fund working capital requirements, purchases of machinery and equipment and other purposes. It also offers residential mortgage products including long-term fixed and variable rate loans to be sold on a servicing-released basis in the secondary market. Its market areas include the northern, western and central portions of Arkansas, the metropolitan Dallas, Texas area, the Texarkana area, Austin, Texas and the metropolitan Charlotte, North Carolina area, portions of Georgia; Wilmington, North Carolina; Bluffto
» More Articles for OZRK

Headlines

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buy 32.50, sell 48, Aug 31 2012 

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