Bank OZKSTU:BO8 +1.89%82 Net Margin % is 39.07% as of Mar. 2026, which is 10% below its 10-year median of 43.24. GuruFocus rates STU:BO8 with a GF Score™ of 82/100 and a GF Value™ of €42.57 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank OZK ranks better than 85.79% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank OZK's Net Income for the
three
months ended in Mar. 2026 was €141 Mil. Bank OZK's Revenue for the
three
months ended in Mar. 2026 was €362 Mil. Therefore, Bank OZK's net margin for the quarter that ended in Mar. 2026 was 39.07%.
The historical rank and industry rank for Bank OZK's Net Margin % or its related term are showing as below:
STU:BO8'
s Net Margin % Range Over the Past 10 Years
Min: 29.64 Med: 43.24 Max: 52.39
Current: 40.7
STU:BO8's Net Margin % is ranked better than 85.79% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:BO8: 40.70
Bank OZK (STU:BO8) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank OZK Net Margin % Related Terms
Bank OZK Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank OZK's Net 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.
STU:BO8 vs ASB, AUB, HOMB: Net Margin % Comparison
For the Banks - Regional subindustry, Bank OZK's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank OZK's Net 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 (STU:BO8) has a Net Margin % of 39.07% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank OZK and its competitors. This is 10% below median its historical median of 43.24. Over the past decade, Bank OZK's Net Margin % has ranged from 29.64 to 52.39. According to the industry distribution chart, Bank OZK ranks #217 out of 1527 companies in the Banks industry, placing it in the top 14.2%.
Is Bank OZK's Net Margin % too high?
Bank OZK's current Net Margin % of 39.07% is 10% below median its 10-year median of 43.24. Over the past 10 years, this metric has ranged from a low of 29.64 to a high of 52.39. The Banks industry median Net Margin % is 26.95. Bank OZK's value of 39.07% is 45% above this industry median. Based on the distribution chart, Bank OZK ranks #217 out of 1527 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 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Net Margin % compare to ASB and AUB?
According to the Banks industry distribution chart, Bank OZK ranks #217 out of 1527 companies for Net Margin %. This places Bank OZK in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Bank OZK's value of 39.07% is 45% above this benchmark. Historically, Bank OZK's own Net Margin % has ranged from 29.64 to 52.39 over the past decade. While the company's 10-year median is 43.24 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current Net Margin % of 39.07% is 45% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank OZK and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current Net Margin % is 39.07%, which is 10% below median its own 10-year median of 43.24. 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 €42.57, compared to a current price of €44.31 — trading 4.1% above its estimated fair value. The current Net Margin % is 39.07%, which is 10% below median its 10-year median of 43.24 and 45% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current Net Margin % is 39.07% 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 €44.31 is trading 4.1% above its estimated GF Value™ of €42.57.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for STU:BO8:
Net Margin %: 39.07% (10% below median its 10-year median of 43.24)
GF Value™: €42.57 vs. price of €44.31 (4.1% above fair value)
Industry Position: 45% above the Banks median (#217 of 1527)
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 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
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