Market Price

28.97 

0.61 2.2%

as of Oct 18 '19

52 Week Range:

21.02 34.34


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank OZK provides retail and commercial banking services to businesses, individuals, and non-profit and governmental entities. The company accepts non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. Its loan products include loans secured by residential 1-4 family, non-farm/non-residential, agricultural, construction/land development, multifamily residential properties, and other land loans; small business and consumer loans; indirect consumer marine and RV loans; small business administration, farm service agency, and USDA guaranteed loans; commercial and industrial loans; and loans to businesses or individuals engages in the production of timber, poultry, livestock, or crops. The company also ACH, wire transfer, zero balance accounts, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, investment sweep accounts, reconciliation, positive pay, and merchant and commercial card services. In addition, it provides personal trusts, custodial accounts, investment management accounts, and retirement accounts; and trustee, paying agent and registered transfer agent services, and other incidental services. Further, the company is involved in the provision of real estate appraisals; ATMs; telephone banking; electronic bill pay and mobile deposits; debit cards; safe deposit boxes; investment securities services; and other products and services, as well as processes merchant debit and credit card transactions, as well as real estate development and corporate aircraft businesses. As of December 31, 2018, it operated 251 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Alabama, South Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 3.74
3.98
4.70
5.90
7.20
8.25
10.96
14.53
22.73
26.02
28.41
growth rate 6.4% 18.1% 25.5% 22.0% 14.6% 32.9% 32.6% 56.4% 14.5% 9.2%
Avg.PE 7.22
9.84
growth rate 36.3%
ROA 1.16
1.23
2.12
2.85
1.96
1.97
2.05
2.19
1.88
2.10
1.91
growth rate 6.0% 72.4% 34.4% -31.2% 0.5% 4.1% 6.8% -14.2% 11.7% -9.1%
ROE 15.56
14.13
21.72
27.20
16.53
15.39
15.47
15.36
12.69
13.50
11.54
growth rate -9.2% 53.7% 25.2% -39.2% -6.9% 0.5% -0.7% -17.4% 6.4% -14.5%
Leverage 12.82
10.30
10.22
9.04
7.96
7.66
7.45
6.75
6.77
6.15
5.93
growth rate -19.7% -0.8% -11.6% -12.0% -3.8% -2.7% -9.4% 0.3% -9.2% -3.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 5.40
5.80
224.90
33.60
growth rate 3.6% 3,777.6% -85.1%
Acct.Payable 5,496.38
7,971.47
15,574.88
17,192.35
17,938.42
growth rate 45.0% 95.4% 10.4% 4.3%
Cur.Assets 213.57
139.36
967.78
755.25
422.41
growth rate -34.8% 594.5% -22.0% -44.1%
Total Assets 6,766.50
9,879.46
18,890.14
21,275.65
22,388.03
growth rate 46.0% 91.2% 12.6% 5.2%
Cash 150.20
90.99
866.36
440.39
290.67
growth rate -39.4% 852.2% -49.2% -34.0%
Inventory 37.78
22.87
43.70
25.36
16.17
growth rate -39.5% 91.1% -42.0% -36.2%
Cur.Liabilities 5,598.85
8,252.19
15,712.61
17,447.84
18,270.33
growth rate 47.4% 90.4% 11.0% 4.7%
Liabilities 5,854.66
8,411.67
16,095.27
17,811.86
18,614.67
growth rate 43.7% 91.3% 10.7% 4.5%
LT Debt 255.81
159.48
382.66
364.02
344.33
growth rate -37.7% 140.0% -4.9% -5.4%
Equity 908.39
1,464.63
2,791.61
3,460.73
3,770.33
growth rate 61.2% 90.6% 24.0% 9.0%
Common Shares 67.00
67.00
68.00
69.00
70.00
72.00
78.00
87.00
105.00
126.00
129.00
growth rate 0.0% 1.5% 1.5% 1.5% 2.9% 8.3% 11.5% 20.7% 20.0% 2.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 18.07
16.80
45.17
38.86
86.75
growth rate -7.0% 168.8% -14.0% 123.2%
Cash Dividends 36.13
47.08
62.17
88.73
102.22
growth rate 30.3% 32.1% 42.7% 15.2%
Cash From OA 96.77
201.18
241.93
384.48
705.31
growth rate 107.9% 20.3% 58.9% 83.5%
FCF per Share 0.39
0.57
0.35
0.05
-0.88
0.36
0.56
0.83
1.91
2.64
3.06
growth rate 46.2% -38.6% -85.7% -100.0% 100.0% 55.6% 48.2% 130.1% 38.2% 15.9%
FCF 27.00
39.00
24.00
-62.00
40.00
43.00
184.00
197.00
346.00
619.00
growth rate 44.4% -38.5% -100.0% 100.0% 7.5% 327.9% 7.1% 75.6% 78.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 325.80
465.46
680.11
912.80
931.61
growth rate 42.9% 46.1% 34.2% 2.1%
Op.Income 167.85
283.33
424.36
580.12
555.77
growth rate 68.8% 49.8% 36.7% -4.2%
IBT 172.45
276.77
424.36
580.52
554.06
growth rate 60.5% 53.3% 36.8% -4.6%
Net Income 118.61
182.25
269.98
421.89
417.11
growth rate 53.7% 48.1% 56.3% -1.1%
EPS 0.51
0.55
0.94
1.47
1.10
1.26
1.52
2.09
2.58
3.35
3.24
growth rate 7.8% 70.9% 56.4% -25.2% 14.6% 20.6% 37.5% 23.4% 29.8% -3.3%
Gross Profit 325.80
465.46
680.11
912.80
931.61
growth rate 42.9% 46.1% 34.2% 2.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 33.60
growth rate
Acct.Payable 17,897.09
17,822.92
17,938.42
18,476.87
18,186.22
growth rate -0.4% 0.7% 3.0% -1.6%
Cur.Assets 677.84
482.33
422.41
707.34
853.04
growth rate -28.8% -12.4% 67.5% 20.6%
Total Assets 22,220.38
22,086.54
22,388.03
23,005.65
22,960.73
growth rate -0.6% 1.4% 2.8% -0.2%
Cash 585.35
387.77
290.67
607.70
738.57
growth rate -33.8% -25.0% 109.1% 21.5%
Inventory 20.66
18.47
16.17
14.10
33.47
growth rate -10.6% -12.5% -12.8% 137.4%
Cur.Liabilities 18,259.51
18,085.77
18,270.33
18,775.53
18,419.79
growth rate -1.0% 1.0% 2.8% -1.9%
Liabilities 18,603.44
18,429.91
18,614.67
19,119.89
18,964.35
growth rate -0.9% 1.0% 2.7% -0.8%
LT Debt 343.93
344.13
344.33
344.36
544.56
growth rate 0.1% 0.1% 0.0% 58.1%
Equity 3,613.90
3,653.60
3,770.33
3,882.64
3,993.25
growth rate 1.1% 3.2% 3.0% 2.9%
Common Shares 1.29
1.29
1.29
1.29
1.29
growth rate 0.0% 0.0% 0.2% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 14.26
19.86
34.57
27.56
23.29
growth rate 39.2% 74.1% -20.3% -15.5%
Cash Dividends 25.08
25.72
27.01
28.28
29.64
growth rate 2.6% 5.0% 4.7% 4.8%
Cash From OA 101.49
133.00
348.06
139.51
67.52
growth rate 31.0% 161.7% -59.9% -51.6%
FCF 87.23
113.14
313.49
111.95
44.24
growth rate 29.7% 177.1% -64.3% -60.5%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 242.44
202.79
245.47
243.28
244.37
growth rate -16.4% 21.1% -0.9% 0.5%
Op.Income 153.33
104.76
150.58
146.60
145.24
growth rate -31.7% 43.7% -2.6% -0.9%
IBT 153.33
99.84
153.78
146.60
145.24
growth rate -34.9% 54.0% -4.7% -0.9%
Net Income 114.75
74.18
115.03
110.71
110.50
growth rate -35.4% 55.1% -3.8% -0.2%
Gross Profit 242.44
202.79
245.47
243.28
244.37
growth rate -16.4% 21.1% -0.9% 0.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (75.92)

YOY Growth Grade:

C (65.80)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.11 9.11 9.29
EPS / Growth 3.18

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 26.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 26.2% 26.2% 26.2%
Future PE 9.11 9.23 23.63
Future EPS 32.69 32.69 32.69
Value Price
MOS %
73.61
154.1%
74.55
157.3%
190.89
558.9%
MOS Price 36.80 37.28 95.45
IRT 4.53 4.53 4.53

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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