OZK

🏦 Financial Services

Bank OZK

Conservative #23Aggressive #303Low Risk

$49.82+1.51%

Day High$49.85

Day Low$48.27

Volume1.9M

Mkt Cap$5.6B

52W Low $3652W High $54

Market Cap

$5.6B

P/E Ratio

7.7

Sector avg: 13.0

Rev Growth

1.1%

Sector avg: 9.5%

Earnings Growth

-0.1%

Profit Margin

25.5%

Sector avg: 36.3%

Debt/Equity

0.08

Score Breakdown

Overall Score82.9

Fundamental Score86.1

ML Score82.5

Score by Horizon

3 Month

69.9

6 Month

78.1

Primary

1 Year

82.3

Quality Assessment

Earnings Grade

Strong fundamentals, high earnings quality

Quality Flags

CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentals

Position Sizing

Suggested Allocation

Confidence

high

Analysis Signals

Positive Signals

Fundamental: 86.1 (sector-relative)

ML percentile=82.5 (pre-ranked by batch)

Procyclicality dampener: ML weight reduced to 9.0% (S&P 500 return=25.0% > 20% (extended rally); Yield curve inverted (-10bp) — recession signal; Late-cycle score 2/3 → ML weight ×0.90)

Blend: 91% fund (86.1) + 9% ML (82.5) = 85.8

Market-cap adj: +0.5pt ($5.6B)

Sector diversity: -6.0pt (Financial Services over-represented)

Risk Signals

Risk (low): Very low vol 5.9% → +10.1pt stability bonus; Drawdown 14% → -2.5pt

Quality: grade=A, penalty=-5

Flags: CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentals

Sector Peer Comparison(Financial Services — 11 stocks in universe)

Stock	Score	P/E	Rev Growth	Margin	Mkt Cap
OZKBank OZK	82.9	7.7	1.1%	25.5%	$5.6B
TROWT. Rowe Price Group, Inc.	97.2	10.1	3.1%	28.5%	$20.5B
ACGLArch Capital Group Ltd.	93.9	8.3	14.7%	22.8%	$35.7B
CINFCincinnati Financial Corporation	92.9	10.7	11.4%	18.9%	$25.4B
ACTEnact Holdings, Inc.	80.3	8.9	2.4%	54.6%	$6.0B
NMIHNMI Holdings, Inc.	80.0	7.7	8.4%	55.1%	$3.0B
Sector Average	83.7	13.0	9.5%	36.3%	—

Why This Stock

Financial ServicesReasonable P/EHealthy profit marginAttractive valuation

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.