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Intrinsic value of Bank OZK (OZK)

Previous Close$40.52
Intrinsic Value
Upside potential
Previous Close
$40.52
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh31.28 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Bank OZK provides various retail and commercial banking services. The company accepts various deposit products, including non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. It also offers real estate, consumer and small business, indirect consumer RV and marine, commercial and industrial, government guaranteed, agricultural, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. The company also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, retirement accounts, and corporate trust services. In addition, it offers automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Further, the company is involved in the provision of real estate appraisals; ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of June 30, 2020, it operated approximately 250 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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %11.3NaN
Revenue, $1106NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m353NaN
Operating income, $m753NaN
EBITDA, $m855NaN
Interest expense (income), $mNaN
Earnings before tax, $m753NaN
Tax expense, $m174NaN
Net income, $m579NaN

BALANCE SHEET

Cash and short-term investments, $m2069NaN
Total assets, $m26530NaN
Adjusted assets (=assets-cash), $m24461NaN
Average production assets, $m1390NaN
Working capital, $m-160NaN
Total debt, $m1288NaN
Total liabilities, $m21694NaN
Total equity, $m4836NaN
Debt-to-equity ratio0.266NaN
Adjusted equity ratio0.114NaN

CASH FLOW

Net income, $m579NaN
Depreciation, amort., depletion, $m103NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m543NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-34NaN
Free cash flow, $m577NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-160
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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