CluenexBank OZK OZK
Bank OZK scores average on business quality (4.7 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Bank OZK does
Bank OZK generates its revenue primarily through real estate specialty lending, gathering deposits and funding large-scale commercial construction projects across the US. The bank rewards shareholders through consistent distributions, highlighted by its 65th straight dividend hike.
- What it does best
Bank OZK excels at generating high-margin cash flow from niche real estate lending, producing a free cash flow margin in the top quartile of its sector at 84%. This specialization demands deep underwriting expertise that regional rivals struggle to replicate.
- The main risk
Commercial real estate concentration remains the primary threat, as downturns in property markets directly pressure loan quality and net interest income, exposing its specialized portfolio to localized economic shocks.
Quality, check by check
Scored against its own industry, from company filings.
Net margin sits at 38.8%, reflecting solid profitability from its lending operations. While cash flow remains robust, profitability metrics like ROE rank in the bottom quartile of the sector, indicating scale does not yield outsized returns.
The moat relies on specialized commercial real estate origination expertise that locks in developers. Its ROE stands at 11.2%, placing it in the bottom quartile of its sector and limiting broader competitive advantages.
Revenue grew by 4.2% to $1.7 billion over the latest period. This top-line expansion shows a moderating pace compared to historical multi-year jumps seen in earlier cycles.
Total debt sits at $463.0 million with a debt-to-equity ratio of 0.1, keeping leverage low. Free cash flow reached $763.0 million, showing stable cash generation getting slightly softer year-over-year.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on OZK
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Bank OZK scores average on the Cluenex quality check (4.7 of 10), measured against its own industry. Profitability is fair, moat weak, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Oct 20, 2026.
See OZK today
- Today's verdict on OZK, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Bank OZK (OZK)”, https://cluenex.com/stocks/ozk/, data as of Oct 10, 2026.