Is OZK stock a Buy, Sell, or Hold?

Based on our analysis, OZK is currently a WAIT with low confidence. 📊 MIXED SIGNALS: OZK shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of OZK stock?

Our analysis estimates the fair value range for OZK to be between $50.56 and $52.10. The current price is $49.42.

What is the analyst price target for OZK?

The average Wall Street analyst price target for OZK is $54.67. This implies a potential upside of 10.6% from current levels.

OZK Stock Analysis: Buy, Sell, or Hold?

OZK - Bank OZK

$49.42

0.14 (0.28%) ▲

5d: -5.85%

30d: -1.4%

90d: +2.59%

WAIT

LOW Confidence

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Analysis Updated: Aug 21, 2026 12:00 AM ET

Earnings: Oct 15, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 19, 2026 at $49.48 · last confirmed Aug 19, 2026

Strength: 6.5/10

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 MIXED SIGNALS: OZK shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 5.3%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$58.16

Based on 4.7% avg growth

INTRINSIC VALUE TODAY

$36.11

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.6x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: OZK is currently trading at $49.42, which is considered oversold relative to its 30-day fair value range of $50.56 to $52.10. The stock's valuation (Forward PE: 8.1) is in line with its historical norms (7.6). At these levels, the market is pricing in 2.1% annual earnings growth.

Technical Outlook: Technically, OZK is in a strong uptrend. The price is currently testing key support at $48.87. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock scores a mixed 42/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $54.67 (+10.6%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $50.56 - $52.10

Company Quality Score 37/100 (SELL)

Volume Confirmation HIGH

Confidence Score 80.5%

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All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (42/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($54.67)
BULLISH: Expecting earnings turnaround to 2.1% growth with -2.1% revenue growth
WARNING: Composite score 37/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $50.56 - $52.10

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $48.87

Resistance Level $52.80

Current Trend Strong Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 8.10

Wall Street Target $54.67 (+10.6%)

Revenue Growth (YoY) -2.1%

Earnings Growth (YoY) -5.7%

Profit Margin 44.5%

Valuation Premium vs History +2.1% premium

PE vs Historical 8.1 vs 7.6 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +2.1% (market-implied from PE analysis)

1-Year Target $50.46 (+2%)

2-Year Target $51.52 (+4%)

3-Year Target $52.60 (+6%)

3-Yr Target (if PE normalizes) (PE: 8→8) PE COMPRESSION $49.32 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 5.3%) $142.91 (+189%)

Base: (SPY PE: 8.1, Growth: 5.3%) $57.71 (+17%)

Bear: (PE: 6.9, Growth: 5.3%) $49.05 (-1%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (8x PE) as earnings recover.

Trailing PE: 8.16 | Current EPS (TTM): $6.04

Bull Case $54.72 (+11%)

Analyst growth 1.0%, PE expands to 9.0

Base Case $49.75 (+1%)

Market implied 1.0%, PE stable at 8.2

Bear Case $33.51 (-32%)

Severe decline -20.0%, PE contracts to 6.9

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: August 23, 2026 5:51 PM ET
Data refreshes hourly during market hours. Next update: 6:51 PM

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Insider Activity (6 Months)

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Advanced OZK Option Strategies

Professional options setups generated by AI based on today's OZK price and gamma walls.

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Bank OZK

About

Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks. The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It provides a range of banking services which include deposit services such as checking, savings, money market, time deposit, and individual retirement accounts to loan services like real estate, consumer, commercial, and industrial loans. Apart from providing traditional banking products and services it also provides treasury management, trust and wealth management, financial planning, online banking, and other related services.

Exchange: XNAS

Market Cap: $5,714,296,142

Employees: 3,205

Listed Since: 1997-07-17

Website: Visit

CIK: 0001569650

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