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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 1.01
OZRK's Cash to Debt is ranked lower than
58% of the 1144 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.28 vs. OZRK: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
OZRK' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.21 Max: No Debt
Current: 1.01
Equity to Asset 0.15
OZRK's Equity to Asset is ranked higher than
85% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OZRK: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
OZRK' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.14
Current: 0.15
0.06
0.14
Interest Coverage 10.95
OZRK's Interest Coverage is ranked higher than
92% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. OZRK: 10.95 )
Ranked among companies with meaningful Interest Coverage only.
OZRK' s Interest Coverage Range Over the Past 10 Years
Min: 0.46  Med: 1.91 Max: 8.23
Current: 10.95
0.46
8.23
F-Score: 5
WACC vs ROIC
11.53%
14.91%
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 (%) 56.81
OZRK's Operating margin (%) is ranked higher than
89% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. OZRK: 56.81 )
Ranked among companies with meaningful Operating margin (%) only.
OZRK' s Operating margin (%) Range Over the Past 10 Years
Min: 33.03  Med: 47.41 Max: 53.01
Current: 56.81
33.03
53.01
Net-margin (%) 37.41
OZRK's Net-margin (%) is ranked higher than
82% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.54 vs. OZRK: 37.41 )
Ranked among companies with meaningful Net-margin (%) only.
OZRK' s Net-margin (%) Range Over the Past 10 Years
Min: 25.45  Med: 33.19 Max: 35.85
Current: 37.41
25.45
35.85
ROE (%) 15.00
OZRK's ROE (%) is ranked higher than
81% of the 1658 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.69 vs. OZRK: 15.00 )
Ranked among companies with meaningful ROE (%) only.
OZRK' s ROE (%) Range Over the Past 10 Years
Min: 12.42  Med: 16.95 Max: 27.2
Current: 15
12.42
27.2
ROA (%) 2.12
OZRK's ROA (%) is ranked higher than
87% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. OZRK: 2.12 )
Ranked among companies with meaningful ROA (%) only.
OZRK' s ROA (%) Range Over the Past 10 Years
Min: 1.15  Med: 1.79 Max: 2.85
Current: 2.12
1.15
2.85
Revenue Growth (3Y)(%) 3.20
OZRK's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. OZRK: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OZRK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.35 Max: 33.2
Current: 3.2
0
33.2
EBITDA Growth (3Y)(%) 1.10
OZRK's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. OZRK: 1.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OZRK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.70 Max: 47.3
Current: 1.1
0
47.3
EPS Growth (3Y)(%) 1.10
OZRK's EPS Growth (3Y)(%) is ranked lower than
70% of the 1202 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. OZRK: 1.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OZRK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.1  Med: 17.40 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

Q1 2015

OZRK Guru Trades in Q1 2015

Jim Simons 184,717 sh (+993.00%)
» More
Q2 2015

OZRK Guru Trades in Q2 2015

Jim Simons 159,244 sh (-13.79%)
» More
Q3 2015

OZRK Guru Trades in Q3 2015

Jim Simons 172,617 sh (+8.40%)
» More
Q4 2015

OZRK Guru Trades in Q4 2015

John Hussman 25,000 sh (New)
Jim Simons 247,317 sh (+43.27%)
» 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) 19.70
OZRK's P/E(ttm) is ranked lower than
79% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. OZRK: 19.70 )
Ranked among companies with meaningful P/E(ttm) only.
OZRK' s P/E(ttm) Range Over the Past 10 Years
Min: 6.88  Med: 15.86 Max: 27.95
Current: 19.7
6.88
27.95
Forward P/E 12.14
OZRK's Forward P/E is ranked lower than
67% of the 709 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.40 vs. OZRK: 12.14 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
OZRK's PE(NRI) is ranked lower than
79% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. OZRK: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
OZRK' s PE(NRI) Range Over the Past 10 Years
Min: 6.93  Med: 15.70 Max: 27.95
Current: 19.7
6.93
27.95
P/B 2.30
OZRK's P/B is ranked lower than
93% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. OZRK: 2.30 )
Ranked among companies with meaningful P/B only.
OZRK' s P/B Range Over the Past 10 Years
Min: 1.07  Med: 2.65 Max: 4.57
Current: 2.3
1.07
4.57
P/S 7.06
OZRK's P/S is ranked lower than
91% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. OZRK: 7.06 )
Ranked among companies with meaningful P/S only.
OZRK' s P/S Range Over the Past 10 Years
Min: 2.21  Med: 5.15 Max: 10.02
Current: 7.06
2.21
10.02
PFCF 46.04
OZRK's PFCF is ranked lower than
95% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. OZRK: 46.04 )
Ranked among companies with meaningful PFCF only.
OZRK' s PFCF Range Over the Past 10 Years
Min: 10.39  Med: 52.79 Max: 267.8
Current: 46.04
10.39
267.8
POCF 36.05
OZRK's POCF is ranked lower than
94% of the 1054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. OZRK: 36.05 )
Ranked among companies with meaningful POCF only.
OZRK' s POCF Range Over the Past 10 Years
Min: 5.46  Med: 18.91 Max: 69.86
Current: 36.05
5.46
69.86
EV-to-EBIT 13.57
OZRK's EV-to-EBIT is ranked lower than
54% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.66 vs. OZRK: 13.57 )
Ranked among companies with meaningful EV-to-EBIT only.
OZRK' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 16.55 Max: 22.9
Current: 13.57
6
22.9
EV-to-EBITDA 12.76
OZRK's EV-to-EBITDA is ranked lower than
58% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. OZRK: 12.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
OZRK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 15.40 Max: 21.1
Current: 12.76
5.6
21.1
PEG 1.13
OZRK's PEG is ranked lower than
58% of the 662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OZRK: 1.13 )
Ranked among companies with meaningful PEG only.
OZRK' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 0.95 Max: 3.29
Current: 1.13
0.3
3.29
Shiller P/E 36.50
OZRK's Shiller P/E is ranked lower than
88% of the 493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. OZRK: 36.50 )
Ranked among companies with meaningful Shiller P/E only.
OZRK' s Shiller P/E Range Over the Past 10 Years
Min: 11.35  Med: 23.47 Max: 51.65
Current: 36.5
11.35
51.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
OZRK's Dividend Yield is ranked lower than
78% of the 2451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. OZRK: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
OZRK' s Dividend Yield Range Over the Past 10 Years
Min: 0.9  Med: 1.34 Max: 3.06
Current: 1.49
0.9
3.06
Dividend Payout 0.27
OZRK's Dividend Payout is ranked higher than
63% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. OZRK: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
OZRK' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.21 Max: 0.47
Current: 0.27
0.06
0.47
Dividend Growth (3y) 36.50
OZRK's Dividend Growth (3y) is ranked higher than
89% of the 713 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. OZRK: 36.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OZRK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 17.95 Max: 65.1
Current: 36.5
0
65.1
Forward Dividend Yield 1.57
OZRK's Forward Dividend Yield is ranked lower than
82% of the 2239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. OZRK: 1.57 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.74
OZRK's Yield on cost (5-Year) is ranked higher than
73% of the 2453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. OZRK: 5.74 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OZRK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.42  Med: 5.09 Max: 11.63
Current: 5.74
3.42
11.63
3-Year Average Share Buyback Ratio -4.20
OZRK's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 1101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OZRK: -4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OZRK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.7  Med: -1.20 Max: -0.2
Current: -4.2
-9.7
-0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.57
OZRK's Price/Tangible Book is ranked lower than
93% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. OZRK: 2.57 )
Ranked among companies with meaningful Price/Tangible Book only.
OZRK' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.01  Med: 2.56 Max: 4.89
Current: 2.57
1.01
4.89
Price/Projected FCF 2.52
OZRK's Price/Projected FCF is ranked lower than
96% of the 815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.62 vs. OZRK: 2.52 )
Ranked among companies with meaningful Price/Projected FCF only.
OZRK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.74  Med: 2.32 Max: 3.65
Current: 2.52
0.74
3.65
Price/DCF (Earnings Based) 0.86
OZRK's Price/DCF (Earnings Based) is ranked lower than
61% of the 70 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. OZRK: 0.86 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.37
OZRK's Price/Median PS Value is ranked lower than
87% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. OZRK: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
OZRK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 0.88 Max: 1.71
Current: 1.37
0.29
1.71
Price/Peter Lynch Fair Value 1.77
OZRK's Price/Peter Lynch Fair Value is ranked lower than
85% of the 416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. OZRK: 1.77 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OZRK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.31  Med: 0.83 Max: 2.59
Current: 1.77
0.31
2.59
Price/Graham Number 1.60
OZRK's Price/Graham Number is ranked lower than
92% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.76 vs. OZRK: 1.60 )
Ranked among companies with meaningful Price/Graham Number only.
OZRK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 1.33 Max: 2.15
Current: 1.6
0.55
2.15
Earnings Yield (Greenblatt) (%) 7.40
OZRK's Earnings Yield (Greenblatt) (%) is ranked higher than
52% of the 1564 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OZRK: 7.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OZRK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.4  Med: 6.05 Max: 16.6
Current: 7.4
4.4
16.6
Forward Rate of Return (Yacktman) (%) 11.61
OZRK's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.02 vs. OZRK: 11.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OZRK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 7.4  Med: 20.50 Max: 43.8
Current: 11.61
7.4
43.8

More Statistics

Revenue(Mil) $487
EPS $ 2.07
Beta1.40
Short Percentage of Float10.46%
52-Week Range $34.77 - 54.96
Shares Outstanding(Mil)88.27

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.52 3.15
EPS without NRI($) 2.52 3.15

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

Articles On GuruFocus.com
Weekly CEO Sells Highlight: Cardinal Health Inc, Bank of the Ozarks Inc, Walt Disney Co, CBIZ Inc. May 17 2015 
Gurufocus Exclusive Interview With François Rochon Of Giverny Capital, 20x In 20 Years, Part II Feb 24 2015 
4 Biggest Stocks with the Most Recent Dividend Growth Oct 06 2013 
A View On The Latest Dividend Growth Stocks Jul 07 2013 
American Insider Buys Apr 19 2013 
My Three Favorite Stocks With Recent Dividend Growth Apr 07 2013 
My 3 Favorites From Last Week's Dividend Growth Stocks Jan 06 2013 
The Best Stocks With Dividend Growth From Last Week (October 01 – 07, 2012) Oct 07 2012 
Chairman & CEO, 10% Owner of Bank Of The Ozarks Inc George G Gleason II sold 71,000 shares Jul 21 2012 
Weekly CEO Sells Highlight: Web.Com Group, Netsuite Inc, Rsc Holdings, and Bank Ozarks Apr 30 2012 

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