Bank OZKOZK -0.12%80 OCF Margin % is 57.17% as of Mar. 2026, which is 16% above its 10-year median of 49.41. 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 1,501 Banks companies, Bank OZK ranks better than 71.09% on this metric.
The historical rank and industry rank for Bank OZK's OCF Margin % or its related term are showing as below:
OZK'
s OCF Margin % Range Over the Past 10 Years
Min: 34.83 Med: 49.41 Max: 71.12
Current: 46.52
During the past 13 years, the highest OCF Margin % of Bank OZK was 71.12%. The lowest was 34.83%. And the median was 49.41%.
OZK's OCF Margin % is ranked better than 71.09% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs OZK: 46.52
Bank OZK OCF Margin % Related Terms
Bank OZK OCF Margin % Historical Data
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The historical data trend for Bank OZK's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank OZK's OCF 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 OCF Margin % of 57.17% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank OZK and its competitors. This is 16% above median its historical median of 49.41. Over the past decade, Bank OZK's OCF Margin % has ranged from 34.83 to 71.12. According to the industry distribution chart, Bank OZK ranks #434 out of 1501 companies in the Banks industry, placing it in the top 28.9%.
Is Bank OZK's OCF Margin % too high?
Bank OZK's current OCF Margin % of 57.17% is 16% above median its 10-year median of 49.41. Over the past 10 years, this metric has ranged from a low of 34.83 to a high of 71.12. The Banks industry median OCF Margin % is 29.44. Bank OZK's value of 57.17% is 94.2% above this industry median. Based on the distribution chart, Bank OZK ranks #434 out of 1501 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 OCF Margin % compare to ASB and AUB?
According to the Banks industry distribution chart, Bank OZK ranks #434 out of 1501 companies for OCF Margin %. This puts Bank OZK in the upper half of its industry. The industry median OCF Margin % is 29.44. Bank OZK's value of 57.17% is 94.2% above this benchmark. Historically, Bank OZK's own OCF Margin % has ranged from 34.83 to 71.12 over the past decade. While the company's 10-year median is 49.41 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current OCF Margin % of 57.17% is 94.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank OZK and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current OCF Margin % is 57.17%, which is 16% above median its own 10-year median of 49.41. 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 $51.75 — trading 4.8% above its estimated fair value. The current OCF Margin % is 57.17%, which is 16% above median its 10-year median of 49.41 and 94.2% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bank OZK (OZK), the current OCF Margin % is 57.17% 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 $51.75 is trading 4.8% above its estimated GF Value™ of $49.37.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for OZK:
OCF Margin %: 57.17% (16% above median its 10-year median of 49.41)
GF Value™: $49.37 vs. price of $51.75 (4.8% above fair value)
Industry Position: 94.2% above the Banks median (#434 of 1501)
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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