A Look At Bank OZK (OZK) Valuation After Mixed Q4 Results And Recent Share Price Pullback

Simply Wall St.01-28

Bank OZK (OZK) is back in focus after its latest earnings release, with fourth quarter 2025 results showing higher net interest income alongside slightly lower net income and earnings per share versus...

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There has been a 7 day share price return of a 2.78% decline and a 30 day share price return of a 1.46% decline, while the 3 month share...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","OZK":"欧扎克银行"},"translate_title":"在第四季度业绩好坏参半和近期股价回调后，OZK银行(OZK)的估值一览","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"OZK":1.5},"content_text":"Bank OZK (OZK) is back in focus after its latest earnings release, with fourth quarter 2025 results showing higher net interest income alongside slightly lower net income and earnings per share versus the prior year period. See our latest analysis for Bank OZK. The mixed fourth quarter figures appear to sit alongside a period of softer share price momentum. There has been a 7 day share price return of a 2.78% decline and a 30 day share price return of a 1.46% decline, while the 3 month share price return of 3.08% contrasts with a 1 year total shareholder return of a 5.11% decline and a 5 year total shareholder return of 47.99%, pointing to a stronger longer term record than the recent pullback suggests. If this kind of earnings driven story has your attention, it could be a good moment to broaden your watchlist and check out fast growing stocks with high insider ownership. With net interest income higher, earnings per share slightly softer and the share price pulling back over the past year, the real question now is whether Bank OZK is trading below its true worth or if the market already reflects expectations for its future performance. AdvertisementMost Popular Narrative: 16.4% Undervalued Bank OZK's most followed narrative places fair value at about $55.56 versus the last close of $46.47, suggesting a meaningful gap the market has not closed.  The analysts have a consensus price target of $56.444 for Bank OZK based on their expectations of its future earnings growth, profit margins and other risk factors. However, there is a degree of disagreement amongst analysts, with the most bullish reporting a price target of $67.0, and the most bearish reporting a price target of just $42.0.  Read the complete narrative. Want to see what sits behind that fair value band? Revenue expectations, profit margins and a future P/E assumption all pull in different directions. The full narrative joins those pieces together. Result: Fair Value of $55.56 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this hinges on commercial real estate concentration and higher expected repayments in the RESG book not putting unexpected pressure on growth, credit costs, or profitability. Find out about the key risks to this Bank OZK narrative.  Build Your Own Bank OZK Narrative If you look at the data and come to a different conclusion, or simply prefer to build your own view from scratch, you can put together a personalised Bank OZK story in just a few minutes with Do it your way. A good starting point is our analysis highlighting 3 key rewards investors are optimistic about regarding Bank OZK. Looking for more investment ideas? If Bank OZK caught your attention, do not stop here. Put a few more ideas on your radar so you are not relying on a single story.  Spot potential value by scanning these 874 undervalued stocks based on cash flows that currently trade at prices some investors may see as out of step with their underlying cash flows. Explore technology-related opportunities by checking out these 24 AI penny stocks that connect artificial intelligence with established business models and financial histories. Add income ideas to your watchlist with these 13 dividend stocks with yields > 3% that offer yields above 3% while still meeting key fundamental criteria.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Bank OZK might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.2","shortVersion":"4.36.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2606748475","isCrawlerRequest":true}