OZK · NASDAQ · STOCK
Bank OZK
$51.40
52W $42.37 – $53.66
69/100
$5.61B
8.5
0.88
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is OZK Bullish or Bearish?
Bullish.
Innellis AI committee rates Bank OZK (OZK) Buy with a composite score of 69/100
, based on 6 analysts with 83% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.08 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.92 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock. The main limiting factor is eps declining -1.7% yoy despite any revenue growth. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 8.4 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 3.6% pays you to wait — Value
- Revenue growing 67.4% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- EPS declining -1.7% YoY despite any revenue growth — Growth
- 4 consecutive earnings misses -- execution concerns — Growth
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 08, 2026
Overall Committee Score
69/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 22%
of 142 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.4 is inexpensive for the broad market
Growth Analyst
neutral
52
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Revenue growing 67.4% YoY -- genuine top-line momentum
− EPS declining -1.7% YoY despite any revenue growth
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 4 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 62.2 to 68.9.
- Conviction strengthened -- analysts aligned more closely.
- Committee agreement increased sharply from 50% to 83%.
- New bearish signals: 1 appeared.
- New bullish signals: 6 appeared.
- Analyst(s) changed stance: News Analyst.
- New analyst(s) joined: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: +1 bearish signal(s); +1 bullish signal(s).
- News Analyst: stance neutral->bullish; score 58->66 (+8); +1 bullish signal(s).
- Risk Analyst joined: bullish at 80.
- Value Analyst joined: bullish at 77.
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
50.8
Neutral
MACD Histogram
0.006
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$47.28
Resistance
$51.50
Bollinger %B
0.54
Inside Bands
Price vs Moving Averages
EMA 9
$51.46
Below
EMA 21
$51.21
Above
EMA 50
$50.51
Above
EMA 200
$48.68
Above
Fundamental Analysis
Valuation
100
Growth
38
Profitability
69
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
8.5×
P/B Ratio
0.92×
PEG Ratio
-4.04
Dividend Yield
3.62%
52W High
$53.66
52W Low
$42.37
Quality & Growth
ROE
1167.2%
ROA
175.4%
Gross Margin
6254.9%
Operating Margin
3831.8%
Revenue Growth YoY
—
Debt / Equity
0.07
AI Fundamental Assessment
P/E ratio of 8.5 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of -4.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.7%; Return on assets of 1.8%; Net margin of 27.9%; Gross margin of 62.5%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.07; Free cash flow per share is positive (6.79); Most recent quarter missed estimates by 0.1%; 4 consecutive earnings misses; EPS growth accelerating (-6.5% -> +3.5% QoQ); Average YoY EPS growth of -5.7%; Analyst estimates falling over recent quarters
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