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Bank OZKOZK +2.20%82 Return-on-Tangible-Asset is 1.61% as of Mar. 2026, which is 19% below its 10-year median of 1.99. GuruFocus rates OZK with a GF Score™ of 82/100 and a GF Value™ of $49.38 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Bank OZK ranks better than 84.3% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Bank OZK's annualizedNet Income for the quarter that ended in Mar. 2026 was $653 Mil. Bank OZK's average total tangible assets for the quarter that ended in Mar. 2026 was $40,564 Mil. Therefore, Bank OZK's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.61%.
The historical rank and industry rank for Bank OZK's Return-on-Tangible-Asset or its related term are showing as below:
OZK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.18 Med: 1.99 Max: 2.28
Current: 1.76
During the past 13 years, Bank OZK's highest Return-on-Tangible-Asset was 2.28%. The lowest was 1.18%. And the median was 1.99%.
OZK's Return-on-Tangible-Asset is ranked better than 84.3% of 1529
companies
in the Banks industry
Industry Median: 1
vs OZK: 1.76
Bank OZK (NAS:OZK) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bank OZK Return-on-Tangible-Asset Related Terms
Bank OZK Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bank OZK's Return-on-Tangible-Asset 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.
OZK vs AX, EBC, FLG: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bank OZK's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank OZK's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.61% mean?
Bank OZK (OZK) has a Return-on-Tangible-Asset of 1.61% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank OZK and its competitors. This is 19% below median its historical median of 1.99. Over the past decade, Bank OZK's Return-on-Tangible-Asset has ranged from 1.18 to 2.28. According to the industry distribution chart, Bank OZK ranks #240 out of 1529 companies in the Banks industry, placing it in the top 15.7%.
Is Bank OZK's Return-on-Tangible-Asset too high?
Bank OZK's current Return-on-Tangible-Asset of 1.61% is 19% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 2.28. The Banks industry median Return-on-Tangible-Asset is 1.00. Bank OZK's value of 1.61% is 61% above this industry median. Based on the distribution chart, Bank OZK ranks #240 out of 1529 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 Return-on-Tangible-Asset compare to AX and EBC?
According to the Banks industry distribution chart, Bank OZK ranks #240 out of 1529 companies for Return-on-Tangible-Asset. This places Bank OZK in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.00. Bank OZK's value of 1.61% is 61% above this benchmark. Historically, Bank OZK's own Return-on-Tangible-Asset has ranged from 1.18 to 2.28 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 1.00, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current Return-on-Tangible-Asset of 1.61% is 61% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank OZK and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current Return-on-Tangible-Asset is 1.61%, which is 19% below median its own 10-year median of 1.99. 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 $49.38, compared to a current price of $51.49 — trading 4.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.61%, which is 19% below median its 10-year median of 1.99 and 61% above the Banks industry median of 1.00. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bank OZK (OZK), the current Return-on-Tangible-Asset is 1.61% 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 $51.49 is trading 4.3% above its estimated GF Value™ of $49.38.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for OZK:
Return-on-Tangible-Asset: 1.61% (19% below median its 10-year median of 1.99)
GF Value™: $49.38 vs. price of $51.49 (4.3% above fair value)
Industry Position: 61% above the Banks median (#240 of 1529)
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.
82GF Score
Get the complete analysis for OZK
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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