Bank OZKSTU:BO8 +0.18%84 ROE % is 10.71% as of Mar. 2026, which is 14% below its 10-year median of 12.39. GuruFocus rates STU:BO8 with a GF Score™ of 84/100 and a GF Value™ of €43.15 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank OZK ranks better than 60.97% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank OZK's annualized net income for the quarter that ended in Mar. 2026 was €565 Mil. Bank OZK's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €5,280 Mil. Therefore, Bank OZK's annualized ROE % for the quarter that ended in Mar. 2026 was 10.71%.
The historical rank and industry rank for Bank OZK's ROE % or its related term are showing as below:
STU:BO8'
s ROE % Range Over the Past 10 Years
Min: 6.93 Med: 12.39 Max: 14.06
Current: 11.73
During the past 13 years, Bank OZK's highest ROE % was 14.06%. The lowest was 6.93%. And the median was 12.39%.
STU:BO8's ROE % is ranked better than 60.97% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs STU:BO8: 11.73
Bank OZK (STU:BO8) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Bank OZK ROE % Related Terms
Bank OZK ROE % Historical Data
* Premium members only.
The historical data trend for Bank OZK's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's ROE % distribution charts can be found below:
* The bar in red indicates where Bank OZK's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Bank OZK (STU:BO8) has a ROE % of 10.71% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank OZK and its competitors. This is 14% below median its historical median of 12.39. Over the past decade, Bank OZK's ROE % has ranged from 6.93 to 14.06. According to the industry distribution chart, Bank OZK ranks #596 out of 1527 companies in the Banks industry, placing it in the top 39%.
Is Bank OZK's ROE % too high?
Bank OZK's current ROE % of 10.71% is 14% below median its 10-year median of 12.39. Over the past 10 years, this metric has ranged from a low of 6.93 to a high of 14.06. The Banks industry median ROE % is 10.23. Bank OZK's value of 10.71% is 4.7% above this industry median. Based on the distribution chart, Bank OZK ranks #596 out of 1527 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 ROE % compare to ASB and AUB?
According to the Banks industry distribution chart, Bank OZK ranks #596 out of 1527 companies for ROE %. This puts Bank OZK in the upper half of its industry. The industry median ROE % is 10.23. Bank OZK's value of 10.71% is 4.7% above this benchmark. Historically, Bank OZK's own ROE % has ranged from 6.93 to 14.06 over the past decade. While the company's 10-year median is 12.39 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current ROE % of 10.71% is 4.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank OZK and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current ROE % is 10.71%, which is 14% below median its own 10-year median of 12.39. 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 €43.15, compared to a current price of €45.55 — trading 5.6% above its estimated fair value. The current ROE % is 10.71%, which is 14% below median its 10-year median of 12.39 and 4.7% above the Banks industry median of 10.23. Bank OZK's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current ROE % is 10.71% 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 €45.55 is trading 5.6% above its estimated GF Value™ of €43.15.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for STU:BO8:
ROE %: 10.71% (14% below median its 10-year median of 12.39)
GF Value™: €43.15 vs. price of €45.55 (5.6% above fair value)
Industry Position: 4.7% above the Banks median (#596 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.
84GF Score
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