Bank OZK (STU:BO8) Cyclically Adjusted FCF per Share: €4.74 (As of Mar. 2026)

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STU:BO8 Bank OZK STU:BO8
84 GF Score
Price €45.54
GF Value €42.89
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Cyclically Adjusted FCF per Share?

Bank OZK STU:BO8 -1.58% 84 Cyclically Adjusted FCF per Share is €4.74 as of Mar. 2026. GuruFocus rates STU:BO8 with a GF Score™ of 84/100 and a GF Value™ of €42.89 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Bank OZK's adjusted free cash flow per share for the three months ended in Mar. 2026 was €1.654. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €4.74 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank OZK's average Cyclically Adjusted FCF Growth Rate was 10.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 16.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 22.60% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 27.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Bank OZK was 53.30% per year. The lowest was -14.50% per year. And the median was 28.50% per year.

As of today (2026-07-20), Bank OZK's current stock price is €45.54. Bank OZK's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €4.74. Bank OZK's Cyclically Adjusted Price-to-FCF of today is 9.61.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank OZK was 90.56. The lowest was 7.67. And the median was 15.45.


Bank OZK  (STU:BO8) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Bank OZK's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=45.54/4.74
=9.61

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank OZK was 90.56. The lowest was 7.67. And the median was 15.45.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Bank OZK Cyclically Adjusted FCF per Share Related Terms


Bank OZK Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Bank OZK's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank OZK Cyclically Adjusted FCF per Share Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.19 3.16 3.79 4.53 4.49

Bank OZK Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.57 4.34 4.43 4.49 4.74

STU:BO8 vs HOMB, AX, ASB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Bank OZK's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank OZK Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Bank OZK's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Bank OZK's Cyclically Adjusted Price-to-FCF falls into.


STU:BO8
84GF Score
Bank OZK STU:BO8
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank OZK Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bank OZK's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.654/330.2130*330.2130
=1.654

Current CPI (Mar. 2026) = 330.2130.

Bank OZK Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.138 241.018 0.189
201609 0.564 241.428 0.771
201612 0.553 241.432 0.756
201703 1.032 243.801 1.398
201706 0.308 244.955 0.415
201709 0.521 246.819 0.697
201712 0.580 246.524 0.777
201803 0.659 249.554 0.872
201806 0.580 251.989 0.760
201809 0.753 252.439 0.985
201812 2.142 251.233 2.815
201903 0.768 254.202 0.998
201906 0.303 256.143 0.391
201909 0.686 256.759 0.882
201912 0.505 256.974 0.649
202003 0.598 258.115 0.765
202006 0.942 257.797 1.207
202009 0.858 260.280 1.089
202012 0.945 260.474 1.198
202103 0.983 264.877 1.225
202106 0.578 271.696 0.702
202109 0.719 274.310 0.866
202112 0.979 278.802 1.160
202203 1.318 287.504 1.514
202206 1.220 296.311 1.360
202209 1.959 296.808 2.179
202212 1.337 296.797 1.488
202303 1.968 301.836 2.153
202306 1.225 305.109 1.326
202309 2.197 307.789 2.357
202312 1.505 306.746 1.620
202403 1.813 312.332 1.917
202406 1.104 314.175 1.160
202409 2.038 315.301 2.134
202412 1.013 315.605 1.060
202503 1.963 319.799 2.027
202506 0.980 322.561 1.003
202509 1.399 324.800 1.422
202512 1.336 324.054 1.361
202603 1.654 330.213 1.654

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €4.74 mean?
Bank OZK (STU:BO8) has a Cyclically Adjusted FCF per Share of €4.74 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bank OZK and its competitors.
Is Bank OZK's Cyclically Adjusted FCF per Share too high?
Bank OZK's current Cyclically Adjusted FCF per Share is €4.74. Overall, Bank OZK has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Cyclically Adjusted FCF per Share compare to HOMB and AX?
Bank OZK's Cyclically Adjusted FCF per Share of €4.74 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bank OZK and its competitors. Bank OZK's current Cyclically Adjusted FCF per Share is €4.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank OZK stock overvalued right now?
Based on GuruFocus' analysis, Bank OZK (STU:BO8) is currently considered Fairly Valued. The stock's GF Value™ is €42.89, compared to a current price of €45.54 — trading 6.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €4.74. Bank OZK's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current Cyclically Adjusted FCF per Share is €4.74 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank OZK (STU:BO8) Overvalued in 2026?

Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued. The current stock price of €45.54 is trading 6.2% above its estimated GF Value™ of €42.89. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for STU:BO8:

  • Cyclically Adjusted FCF per Share: €4.74
  • GF Value™: €42.89 vs. price of €45.54 (6.2% above fair value)
  • GF Score™: 84/100 with 4 warning signs

No single metric tells the full story. See the STU:BO8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank OZK Business Description

Address 18000 Cantrell Road, Little Rock, AR, USA, 72223
Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks. The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It provides banking services, including checking, savings, money market, time deposits, and individual retirement accounts, as well as loan services, such as real estate, consumer, commercial, and industrial loans. Apart from providing traditional banking products and services, it also provides trust and wealth management, financial planning, online banking, and other related services.
84GF Score

Get the complete analysis for STU:BO8

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.54
Price
€42.89
GF Value