Bank Ozk

OZK · NASDAQ

$46.16+$0.97 (+2.15%)TodayMarket closed · Oct 20, 7:45 PM ET

Prev close $45.19

OZK analyst rating

HoldConsensus of 8 analysts over the last 12 months. 25% rate it a buy.

Strong buy0
Buy2
Hold5
Underperform1
Sell0

12-month price target · 10 analysts

Average $55.08 (+19.3% upside)

Low: $40.40
Now: $46.16
High: $68.25

Upgrades and downgrades

The latest rating actions, newest first

OZK analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
TD Cowen	Oct 5, 2026	Maintains	Hold	$52.00 → $50.00	47%
Wells Fargo	Sep 30, 2026	Maintains	Equal-Weight	$56.00 → $51.00	62%
Morgan Stanley	Sep 28, 2026	Maintains	Underweight	$56.00 → $57.00	59%
Morgan Stanley	Sep 8, 2026	Downgrade	Equal-Weight → Underweight	$56.00	59%
Wells Fargo	Aug 10, 2026	Maintains	Equal-Weight	$52.00 → $56.00	62%
UBS	Jul 28, 2026	Maintains	Neutral	$50.00 → $51.00	65%
TD Cowen	Jul 24, 2026	Maintains	Hold	$53.00 → $52.00	47%
TD Cowen	Jul 6, 2026	Downgrade	Buy → Hold	$53.00	47%
Wells Fargo	Jul 6, 2026	Maintains	Equal-Weight	$50.00 → $52.00	63%
Morgan Stanley	Jun 29, 2026	Maintains	Equal-Weight	$54.00 → $56.00	59%

The case for and against

Updated Apr 3, 2026

Bull case

Bank OZK is positioned for positive financial growth, with expectations of mid-single-digit loan growth in 2026, accelerating to 10-11% in 2027, which reflects a robust lending environment. In a challenging credit cycle, the bank demonstrated resilience with a 12.1% growth in tangible book value per share (TBVPS) and maintained a solid return on assets (ROA) of 1.75% and return on equity (ROE) of 12.5%. The bank's projected net interest income (NII) of $385-$390 million for Q1 2026, along with expectations of further increases in subsequent quarters and a strong $1 billion in pre-provision net revenue (PPNR), underscores its strong earnings power and potential for sustained performance.

Bear case

The analysis of Bank OZK’s stock reflects several fundamental concerns leading to a negative outlook. Firstly, potential economic slowdowns could result in increased nonperforming assets and net charge-offs, which may negatively impact net income and earnings per share estimates. Secondly, risks related to acquisition strategies and asset quality could exacerbate operational and financial challenges, particularly if interest rates decline or if the yield curve inverts, potentially compressing net interest margins and lowering overall profitability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.