Bank OZK cash flow to debt ratio of 180.71% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Bank OZK's free cash flow has decreased 0.96% from $738.85M last year to $731.73M, signaling decreasing performance

Bank OZK's debt to equity ratio is 0.07, which means that the company's assets are healthy financed, signaling financial stability.

Bank OZK's debt has decreased relative to shareholder equity from 0.15 last year to 0.07 today, signaling strengthened financials

Bank OZK has a net debt to EBITDA ratio of 0.44x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Bank OZK earns at least as much interest as it pays. Interest obligations are fully covered.

Bank OZK's profit margin has decreased (3.38%) in the last year from 25.83% to 24.95%, signaling decreasing performance

Bank OZK's short-term liabilities of $3.83B exceed its short-term assets of $3.07B, signaling financial risk

Bank OZK's return on assets of 1.66% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bank OZK's return on equity of 11.21%, is lower than 15.00%, indicating bad performance

Bank OZK's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Bank OZK had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Bank OZK has positive free cash flow, indicating the company generates cash after capital expenditures

Bank OZK has a free cash flow yield of 12.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bank OZK's yearly earnings has decreased 0.14% since last year from $716.46M to $715.48M, signaling decreasing performance

Bank OZK's yearly revenue has increased 1.15% since last year from $2.77B to $2.81B, signaling increasing performance

ROIC 1.76% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bank OZK's 3-year revenue CAGR of 26.67% is positive, indicating growing revenue over the past 3 years

Bank OZK had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Bank OZK had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Bank OZK is undervalued relative to its fair value price of 102.09 based on Discounted Cash Flow model

Bank OZK has an earnings yield of 11.93%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bank OZK is undervalued relative to its fair value price of 54.32 based on EBITDA multiple model

Bank OZK has an EV/EBITDA ratio of 5.75x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bank OZK is undervalued relative to its fair value price of 181.80 based on Earnings Fair Value model

Bank OZK has a PEG-ratio under 1 which is considered undervalued

Bank OZK has a price-to-book ratio of 0.92x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bank OZK has a price-to-sales ratio of 2.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue