OZK (Bank OZK) Cyclically Adjusted PB Ratio: (As of Aug. 07, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OZK Bank OZK OZK
80 GF Score
Price $51.66
GF Value $49.31
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank OZK  (NAS:OZK) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Bank OZK Cyclically Adjusted PB Ratio Related Terms


Bank OZK Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Bank OZK's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.98 1.44 1.57 1.24 1.16

Bank OZK Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 1.24 1.30 1.16 1.11 0.00

OZK vs AX, EBC, FLG: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Bank OZK's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank OZK's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank OZK's Cyclically Adjusted PB Ratio falls into.


OZK
80GF Score
Bank OZK OZK
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank OZK Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Bank OZK's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Bank OZK's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=54.138/333.9520*333.9520
=54.138

Current CPI (Jun. 2026) = 333.9520.

Bank OZK Quarterly Data

Book Value per Share CPI Adj_Book
201609 22.755 241.428 31.476
201612 23.020 241.432 31.842
201703 23.634 243.801 32.373
201706 25.431 244.955 34.671
201709 26.017 246.819 35.202
201712 26.976 246.524 36.543
201803 27.420 249.554 36.693
201806 28.098 251.989 37.237
201809 28.409 252.439 37.582
201812 29.316 251.233 38.968
201903 30.113 254.202 39.560
201906 30.968 256.143 40.375
201909 31.628 256.759 41.137
201912 32.185 256.974 41.826
202003 31.573 258.115 40.849
202006 31.779 257.797 41.167
202009 32.366 260.280 41.527
202012 33.029 260.474 42.346
202103 33.790 264.877 42.602
202106 34.703 271.696 42.655
202109 35.346 274.310 43.031
202112 35.851 278.802 42.943
202203 35.468 287.504 41.198
202206 35.865 296.311 40.421
202209 35.669 296.808 40.133
202212 37.128 296.797 41.776
202303 38.434 301.836 42.523
202306 39.515 305.109 43.250
202309 40.345 307.789 43.774
202312 42.422 306.746 46.185
202403 43.442 312.332 46.449
202406 44.673 314.175 47.485
202409 46.310 315.301 49.049
202412 47.301 315.605 50.051
202503 48.294 319.799 50.431
202506 49.590 322.561 51.341
202509 51.092 324.800 52.532
202512 52.462 324.054 54.064
202603 53.190 330.213 53.792
202606 54.138 333.952 54.138

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.

Is Bank OZK (OZK) Overvalued in 2026?

Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued. The current stock price of $51.66 is trading 4.8% above its estimated GF Value™ of $49.31. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for OZK:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $49.31 vs. price of $51.66 (4.8% above fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the OZK 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.
80GF Score

Get the complete analysis for OZK

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

$51.66
Price
$49.31
GF Value