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Bank OZKSTU:BO8 +3.37%84 PB Ratio is 1.01 as of Jul. 17, 2026, which is 5% below its 10-year median of 1.06. GuruFocus rates STU:BO8 with a GF Score™ of 84/100 and a GF Value™ of €42.88 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Bank OZK ranks better than 59.53% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-17), Bank OZK's share price is €46.27. Bank OZK's Book Value per Share for the quarter that ended in Mar. 2026 was €46.01. Hence, Bank OZK's PB Ratio of today is 1.01.
Warning Sign:
Bank OZK stock PB Ratio (=1) is close to 2-year high of 1.1.
The historical rank and industry rank for Bank OZK's PB Ratio or its related term are showing as below:
STU:BO8'
s PB Ratio Range Over the Past 10 Years
Min: 0.49 Med: 1.06 Max: 2.44
Current: 1
During the past 13 years, Bank OZK's highest PB Ratio was 2.44. The lowest was 0.49. And the median was 1.06.
STU:BO8's PB Ratio is ranked better than 59.53% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs STU:BO8: 1.00
During the past 12 months, Bank OZK's average Book Value Per Share Growth Rate was 10.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank OZK was 39.20% per year. The lowest was 4.90% per year. And the median was 18.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank OZK PB Ratio Related Terms
Bank OZK PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank OZK's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank OZK's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Bank OZK's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank OZK (STU:BO8) has a PB Ratio of 1.01 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank OZK and its competitors. This is near median its historical median of 1.06. Over the past decade, Bank OZK's PB Ratio has ranged from 0.49 to 2.44. According to the industry distribution chart, Bank OZK ranks #614 out of 1517 companies in the Banks industry, placing it in the top 40.5%.
Is Bank OZK's PB Ratio too high?
Bank OZK's current PB Ratio of 1.01 is near median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 2.44. The Banks industry median PB Ratio is 1.12. Bank OZK's value of 1.01 is 9.8% below this industry median. Based on the distribution chart, Bank OZK ranks #614 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Bank OZK has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's PB Ratio compare to HOMB and AX?
According to the Banks industry distribution chart, Bank OZK ranks #614 out of 1517 companies for PB Ratio. This puts Bank OZK in the upper half of its industry. The industry median PB Ratio is 1.12. Bank OZK's value of 1.01 is 9.8% below this benchmark. Historically, Bank OZK's own PB Ratio has ranged from 0.49 to 2.44 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current PB Ratio of 1.01 is 9.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank OZK and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current PB Ratio is 1.01, which is near median its own 10-year median of 1.06. 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 €42.88, compared to a current price of €46.27 — trading 7.9% above its estimated fair value. The current PB Ratio is 1.01, which is near median its 10-year median of 1.06 and 9.8% below the Banks industry median of 1.12. Bank OZK's overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current PB Ratio is 1.01 as of Jul. 17, 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 €46.27 is trading 7.9% above its estimated GF Value™ of €42.88.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for STU:BO8:
PB Ratio: 1.01 (near median its 10-year median of 1.06)
GF Value™: €42.88 vs. price of €46.27 (7.9% above fair value)
Industry Position: 9.8% below the Banks median (#614 of 1517)
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.
84GF Score
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