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Bank OZKFRA:BO8 -2.46%83 Debt-to-Equity is 0.07 as of Jun. 2026, which is 56% below its 10-year median of 0.16. GuruFocus rates FRA:BO8 with a GF Score™ of 83/100 and a GF Value™ of €42.07 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,419 Banks companies, Bank OZK ranks better than 92.46% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bank OZK's Debt-to-Equity or its related term are showing as below:
FRA:BO8'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.16 Max: 0.39
Current: 0.07
During the past 13 years, the highest Debt-to-Equity Ratio of Bank OZK was 0.39. The lowest was 0.07. And the median was 0.16.
FRA:BO8's Debt-to-Equity is ranked better than 92.46% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs FRA:BO8: 0.07
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bank OZK Debt-to-Equity Related Terms
Bank OZK Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank OZK's Debt-to-Equity 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.
FRA:BO8 vs AX, EBC, FLG: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Bank OZK's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank OZK's Debt-to-Equity falls into.
* 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 (FRA:BO8) has a Debt-to-Equity of 0.07 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank OZK and its competitors. This is 56% below median its historical median of 0.16. Over the past decade, Bank OZK's Debt-to-Equity has ranged from 0.07 to 0.39. According to the industry distribution chart, Bank OZK ranks #107 out of 1419 companies in the Banks industry, placing it in the top 7.5%.
Is Bank OZK's Debt-to-Equity too high?
Bank OZK's current Debt-to-Equity of 0.07 is 56% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.39. The Banks industry median Debt-to-Equity is 0.58. Bank OZK's value of 0.07 is 87.9% below this industry median. Based on the distribution chart, Bank OZK ranks #107 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank OZK has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Debt-to-Equity compare to AX and EBC?
According to the Banks industry distribution chart, Bank OZK ranks #107 out of 1419 companies for Debt-to-Equity. This places Bank OZK in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Bank OZK's value of 0.07 is 87.9% below this benchmark. Historically, Bank OZK's own Debt-to-Equity has ranged from 0.07 to 0.39 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.58, Bank OZK has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current Debt-to-Equity of 0.07 is 87.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank OZK and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current Debt-to-Equity is 0.07, which is 56% below median its own 10-year median of 0.16. 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 (FRA:BO8) is currently considered Fairly Valued. The stock's GF Value™ is €42.07, compared to a current price of €42.80 — trading 1.7% above its estimated fair value. The current Debt-to-Equity is 0.07, which is 56% below median its 10-year median of 0.16 and 87.9% below the Banks industry median of 0.58. Bank OZK's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bank OZK (FRA:BO8), the current Debt-to-Equity is 0.07 as of Jun. 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 (FRA:BO8) Overvalued in 2026?
Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued.
The current stock price of €42.80 is trading 1.7% above its estimated GF Value™ of €42.07.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for FRA:BO8:
Debt-to-Equity: 0.07 (56% below median its 10-year median of 0.16)
GF Value™: €42.07 vs. price of €42.80 (1.7% above fair value)
Industry Position: 87.9% below the Banks median (#107 of 1419)
No single metric tells the full story. See the FRA:BO8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
83GF Score
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