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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Bank OZK's 10-Year RORE % for the quarter that ended in Mar. 2026 was 11.03%.
The industry rank for Bank OZK's 10-Year RORE % or its related term are showing as below:
OZK's 10-Year RORE % is ranked better than 54.08% of 1091
companies
in the Banks industry
Industry Median: 10.19
vs OZK: 11.03
Bank OZK (NAS:OZK) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Bank OZK 10-Year RORE % Related Terms
Bank OZK 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Bank OZK's 10-Year RORE % 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 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank OZK's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bank OZK's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Bank OZK (OZK) has a 10-Year RORE % of 11.03 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Bank OZK and its competitors. According to the industry distribution chart, Bank OZK ranks #501 out of 1091 companies in the Banks industry, placing it in the top 45.9%.
Is Bank OZK's 10-Year RORE % too high?
Bank OZK's current 10-Year RORE % is 11.03. The Banks industry median 10-Year RORE % is 10.19. Bank OZK's value of 11.03 is 8.2% above this industry median. Based on the distribution chart, Bank OZK ranks #501 out of 1091 companies in the Banks industry, which is above the industry midpoint. 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 10-Year RORE % compare to HOMB and AX?
According to the Banks industry distribution chart, Bank OZK ranks #501 out of 1091 companies for 10-Year RORE %. This puts Bank OZK in the upper half of its industry. The industry median 10-Year RORE % is 10.19. Bank OZK's value of 11.03 is 8.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, based on 1,091 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank OZK's current 10-Year RORE % of 11.03 is 8.2% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Bank OZK and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank OZK's current 10-Year RORE % is 11.03. 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 $49.39, compared to a current price of $50.32 — trading 1.9% above its estimated fair value. The current 10-Year RORE % is 11.03 and 8.2% above the Banks industry median of 10.19. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Bank OZK (OZK), the current 10-Year RORE % is 11.03 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 $50.32 is trading 1.9% above its estimated GF Value™ of $49.39.
GuruFocus considers Bank OZK to be Fairly Valued.
Key valuation signals for OZK:
10-Year RORE %: 11.03
GF Value™: $49.39 vs. price of $50.32 (1.9% above fair value)
Industry Position: 8.2% above the Banks median (#501 of 1091)
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
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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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