OZK (Bank OZK) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


OZK Bank OZK OZK
80 GF Score
Price $52.86
GF Value $49.40
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Scaled Net Operating Assets?

Bank OZK OZK +1.46% 80 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates OZK with a GF Score™ of 80/100 and a GF Value™ of $49.40 (Fairly Valued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank OZK's operating assets for the quarter that ended in Mar. 2026 was $39,504 Mil. Bank OZK's operating liabilities for the quarter that ended in Mar. 2026 was $34,694 Mil. Bank OZK's Total Assets for the quarter that ended in Dec. 2025 was $40,786 Mil. Therefore, Bank OZK's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

OZK
80GF Score
Bank OZK OZK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank OZK Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank OZK's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(37952.019-34192.411)/38258.852
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=40785.84 - 2833.821
=37952.019

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=34655.989 - 463.578 - 0
=34192.411

Bank OZK's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(39504.358-34693.888)/40785.84
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=41663.976 - 2159.618
=39504.358

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=35507.766 - 813.878 - 0
=34693.888

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
Bank OZK (OZK) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank OZK and its competitors.
Is Bank OZK's Scaled Net Operating Assets too high?
Bank OZK's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to HOMB and AX?
Bank OZK's Scaled Net Operating Assets of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank OZK and its competitors. Bank OZK's current Scaled Net Operating Assets is 0.12. 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 $49.40, compared to a current price of $52.86 — trading 7% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bank OZK (OZK), the current Scaled Net Operating Assets is 0.12 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 $52.86 is trading 7% above its estimated GF Value™ of $49.40. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for OZK:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $49.40 vs. price of $52.86 (7% above fair value)
  • GF Score™: 80/100 with 4 warning signs

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 Business Description

Address 18000 Cantrell Road, Little Rock, AR, USA, 72223
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.
80GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.86
Price
$49.40
GF Value