Bank OZKOZK +1.37%80 FCF Margin % is 50.72% as of Mar. 2026, which is 14% above its 10-year median of 44.64. GuruFocus rates OZK with a GF Score™ of 80/100 and a GF Value™ of $49.37 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Bank OZK ranks better than 69.08% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Bank OZK's Free Cash Flow for the
three
months ended in Mar. 2026 was $212 Mil. Bank OZK's Revenue for the
three
months ended in Mar. 2026 was $418 Mil. Therefore, Bank OZK's FCF Margin % for the quarter that ended in Mar. 2026 was 50.72%.
The historical rank and industry rank for Bank OZK's FCF Margin % or its related term are showing as below:
OZK'
s FCF Margin % Range Over the Past 10 Years
Min: 28.33 Med: 44.64 Max: 62.38
Current: 40.39
During the past 13 years, the highest FCF Margin % of Bank OZK was 62.38%. The lowest was 28.33%. And the median was 44.64%.
OZK's FCF Margin % is ranked better than 69.08% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs OZK: 40.39
Bank OZK FCF Margin % Related Terms
Bank OZK FCF Margin % Historical Data
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The historical data trend for Bank OZK's FCF Margin % 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.
For the Banks - Regional subindustry, Bank OZK's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank OZK's FCF Margin % 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 (OZK) has a FCF Margin % of 50.72% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank OZK and its competitors. This is 14% above median its historical median of 44.64. Over the past decade, Bank OZK's FCF Margin % has ranged from 28.33 to 62.38. According to the industry distribution chart, Bank OZK ranks #465 out of 1504 companies in the Banks industry, placing it in the top 30.9%.
Is Bank OZK's FCF Margin % too high?
Bank OZK's current FCF Margin % of 50.72% is 14% above median its 10-year median of 44.64. Over the past 10 years, this metric has ranged from a low of 28.33 to a high of 62.38. The Banks industry median FCF Margin % is 26.50. Bank OZK's value of 50.72% is 91.4% above this industry median. Based on the distribution chart, Bank OZK ranks #465 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Bank OZK has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's FCF Margin % compare to ASB and AUB?
According to the Banks industry distribution chart, Bank OZK ranks #465 out of 1504 companies for FCF Margin %. This puts Bank OZK in the upper half of its industry. The industry median FCF Margin % is 26.50. Bank OZK's value of 50.72% is 91.4% above this benchmark. Historically, Bank OZK's own FCF Margin % has ranged from 28.33 to 62.38 over the past decade. While the company's 10-year median is 44.64 vs. the industry median of 26.50, Bank OZK has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current FCF Margin % of 50.72% is 91.4% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank OZK and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current FCF Margin % is 50.72%, which is 14% above median its own 10-year median of 44.64. 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 (OZK) is currently considered Fairly Valued. The stock's GF Value™ is $49.37, compared to a current price of $51.66 — trading 4.6% above its estimated fair value. The current FCF Margin % is 50.72%, which is 14% above median its 10-year median of 44.64 and 91.4% above the Banks industry median of 26.50. Bank OZK's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank OZK (OZK), the current FCF Margin % is 50.72% 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 (OZK) Overvalued in 2026?
Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued.
The current stock price of $51.66 is trading 4.6% above its estimated GF Value™ of $49.37.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for OZK:
FCF Margin %: 50.72% (14% above median its 10-year median of 44.64)
GF Value™: $49.37 vs. price of $51.66 (4.6% above fair value)
Industry Position: 91.4% above the Banks median (#465 of 1504)
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 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.
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