Bank OZK (STU:BO8) E10: €4.45 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

STU:BO8 Bank OZK STU:BO8
82 GF Score
Price €45.26
GF Value €43.60
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Bank OZK E10?

Bank OZK STU:BO8 +0.44% 82 E10 is €4.45 as of Jun. 2026. GuruFocus rates STU:BO8 with a GF Score™ of 82/100 and a GF Value™ of €43.60 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bank OZK's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.293. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.45 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bank OZK's average E10 Growth Rate was 9.90% per year. During the past 3 years, the average E10 Growth Rate was 13.40% per year. During the past 5 years, the average E10 Growth Rate was 15.50% per year. During the past 10 years, the average E10 Growth Rate was 15.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bank OZK was 21.60% per year. The lowest was 13.40% per year. And the median was 15.90% per year.

As of today (2026-08-14), Bank OZK's current stock price is €45.26. Bank OZK's E10 for the quarter that ended in Jun. 2026 was €4.45. Bank OZK's Shiller PE Ratio of today is 10.17.

During the past 13 years, the highest Shiller PE Ratio of Bank OZK was 43.27. The lowest was 7.04. And the median was 13.16.


Bank OZK  (STU:BO8) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bank OZK's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=45.26/4.45
=10.17

* 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 Shiller P/E Ratio of Bank OZK was 43.27. The lowest was 7.04. And the median was 13.16.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bank OZK E10 Related Terms


Bank OZK E10 Historical Data

* Premium members only.

The historical data trend for Bank OZK's E10 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 E10 Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.47 3.10 3.50 4.14 4.11

Bank OZK Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 3.94 4.04 4.11 4.29 4.45

STU:BO8 vs AX, EBC, FLG: E10 Comparison

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

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

* The bar in red indicates where Bank OZK's Shiller PE Ratio falls into.


STU:BO8
82GF Score
Bank OZK STU:BO8
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank OZK E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.293/333.9520*333.9520
=1.293

Current CPI (Jun. 2026) = 333.9520.

Bank OZK Quarterly Data

per share eps CPI Adj_EPS
201609 0.588 241.428 0.813
201612 0.683 241.432 0.945
201703 0.683 243.801 0.936
201706 0.650 244.955 0.886
201709 0.629 246.819 0.851
201712 0.963 246.524 1.305
201803 0.714 249.554 0.955
201806 0.762 251.989 1.010
201809 0.497 252.439 0.657
201812 0.782 251.233 1.039
201903 0.761 254.202 1.000
201906 0.761 256.143 0.992
201909 0.735 256.759 0.956
201912 0.702 256.974 0.912
202003 0.081 258.115 0.105
202006 0.346 257.797 0.448
202009 0.713 260.280 0.915
202012 0.764 260.474 0.980
202103 0.958 264.877 1.208
202106 0.963 271.696 1.184
202109 0.850 274.310 1.035
202112 1.035 278.802 1.240
202203 0.926 287.504 1.076
202206 1.041 296.311 1.173
202209 1.091 296.808 1.228
202212 1.265 296.797 1.423
202303 1.317 301.836 1.457
202306 1.357 305.109 1.485
202309 1.396 307.789 1.515
202312 1.375 306.746 1.497
202403 1.389 312.332 1.485
202406 1.412 314.175 1.501
202409 1.397 315.301 1.480
202412 1.490 315.605 1.577
202503 1.360 319.799 1.420
202506 1.370 322.561 1.418
202509 1.355 324.800 1.393
202512 1.315 324.054 1.355
202603 1.246 330.213 1.260
202606 1.293 333.952 1.293

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.45 mean?
Bank OZK (STU:BO8) has a E10 of €4.45 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank OZK and its competitors.
Is Bank OZK's E10 too high?
Bank OZK's current E10 is €4.45. Overall, Bank OZK has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's E10 compare to AX and EBC?
Bank OZK's E10 of €4.45 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank OZK and its competitors. Bank OZK's current E10 is €4.45. 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 €43.60, compared to a current price of €45.26 — trading 3.8% above its estimated fair value. The current E10 is €4.45. Bank OZK's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current E10 is €4.45 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 (STU:BO8) Overvalued in 2026?

Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued. The current stock price of €45.26 is trading 3.8% above its estimated GF Value™ of €43.60. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for STU:BO8:

  • E10: €4.45
  • GF Value™: €43.60 vs. price of €45.26 (3.8% above fair value)
  • GF Score™: 82/100 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.
82GF Score

Get the complete analysis for STU:BO8

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.26
Price
€43.60
GF Value