Revenue distribution by sectors:

• Real estate financing: approx. 60%
• Consumer loans: approx. 20%
• Corporate financing: approx. 15%
• Other services: approx. 5%

TOP 3 markets and their percentage shares:

• Florida: approx. 30%
• Texas: approx. 25%
• California: approx. 20%

Bank OZK generates the majority of its revenue from real estate financing, highlighting its strong position in the construction and real estate sector. The bank is particularly active in the states of Florida, Texas, and California, which together account for about 75% of total revenue. These markets are known for their dynamic real estate sectors, which benefit Bank OZK's business.

Production: Not applicable

Bank OZK is a financial institution and does not produce physical products. Instead, the bank offers a variety of financial services including loans, deposit products, and asset management services. The services are primarily offered in the USA, with the bank headquartered in Little Rock, Arkansas.

Revenue Growth: 8% (estimated for 2025)
Profit Growth: 10% (estimated for 2025)

Bank OZK pursues a strategy focused on organic growth and strategic expansion. A key element of this strategy is increasing the loan volume, especially in the commercial real estate financing sector, where the bank has traditionally been strong.

Furthermore, Bank OZK is investing in technological innovations to enhance its digital services and strengthen customer loyalty. This includes modernizing the online banking platform and introducing new digital products to meet changing customer needs.

Another focus is on geographical expansion into high-growth markets to expand market presence and attract new customers. This strategy is supported by a strong capital base and a conservative risk management policy aimed at ensuring long-term stability and profitability.

Current data on imported raw materials/materials: Not specifically available for Bank OZK (2025).

Bank OZK is a financial institution and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense. Banks primarily operate in the financial services sector, and their main resources are capital and financial instruments, not physical raw materials.

If you are looking for information on Bank OZK's investments or financing projects in specific raw material sectors or countries, an analysis of their financial reports or investment strategies would be necessary. This information could be available in the annual reports or through press releases from the bank.

Return on Equity: 12.5% (2024)
Efficiency Ratio: 40.8% (2024)
Tier 1 Capital Ratio: 13.2% (2024)

Bank OZK has a solid competitive advantage, reflected in several financial metrics. The return on equity of 12.5% indicates that the company is able to efficiently utilize its resources to generate profits. This metric is above the industry average, signaling strong operational efficiency and profitability.

The efficiency ratio of 40.8% is also notably low, meaning that the bank effectively manages its operating expenses in relation to its revenues. A low efficiency ratio is an indicator of a well-managed bank that optimally utilizes its resources.

Furthermore, the tier 1 capital ratio of 13.2% demonstrates that the bank has a strong capital base, providing it with stability and flexibility in a competitive market. Taken together, these metrics suggest that Bank OZK is well positioned to compete and continue to thrive.

Institutional Investor Share: 60% (estimated for 2025 based on historical data)

Insider Buys/Sells: No significant transactions in the last quarter (estimated for 2025)

The institutional investor share at Bank OZK traditionally stands at around 60%, indicating the trust of large investment funds and institutional investors in the stability and growth potential of the bank.

No significant insider transactions were reported in the last quarter, suggesting a stable assessment of the current stock value by management and other insiders. Such information is important as it is often seen as an indicator of the company's future performance.

Market share of Bank OZK: Estimate: 1.2% (2025)

Top competitors by market share:

1. JPMorgan Chase & Co.: 12.5%
2. Bank of America Corp.: 11.0%
3. Wells Fargo & Co.: 9.8%
4. Citigroup Inc.: 8.3%
5. U.S. Bancorp: 3.5%
6. Truist Financial Corp.: 3.0%
7. PNC Financial Services Group, Inc.: 2.8%
8. Capital One Financial Corp.: 2.5%
9. Fifth Third Bancorp: 1.5%
10. Bank OZK: 1.2%

Moat of Bank OZK:

Bank OZK has built a certain moat through its specialization in commercial real estate financing and its strong presence in the Southeastern United States. This niche allows the bank to be successful in a specific market segment not dominated by larger banks.

However, compared to larger competitors like JPMorgan Chase or Bank of America, which have extensive resources and a broader range of services, the moat of Bank OZK is less pronounced. These large banks have the advantage of a broader customer base, more extensive technological investments, and a stronger global presence.

In summary, Bank OZK is competitive in its specific market segment, but compared to industry giants, it has a less significant moat. The larger banks have a stronger competitive advantage due to their size and diversification.

Return on Equity (ROE): 12.5% (2024)
Asset Growth: 8.2% (2024)
Net Interest Margin: 4.1% (2024)

In recent years, Bank OZK has achieved a solid Return on Equity (ROE) of 12.5%, indicating efficient use of its capital. This metric shows that the company is able to generate an attractive profit from its equity, which is appealing to investors.

The 8.2% Asset Growth in 2024 suggests that the bank has successfully expanded its balance sheet, indicating a healthy business development. Strong asset growth can support future earnings growth.

The Net Interest Margin of 4.1% is an indicator of the bank's ability to generate profits from its interest operations. A stable or increasing net interest margin is a positive sign for the bank's profitability in a changing interest rate environment.

In summary, Bank OZK can be considered a potentially good investment due to its solid financial metrics and its ability to grow in a competitive market environment. However, investors should also consider other factors such as the macroeconomic environment and the specific risks of the banking industry.

Dividend Yield: 3.5% (2025, estimated)
Dividend Growth: 5% annually (average over the last 5 years)

Bank OZK is known for paying out a consistent dividend. The company's dividend policy is aimed at regularly returning capital to shareholders, which is reflected in a stable dividend yield of around 3.5%.

In recent years, the bank has continuously increased its dividend, with an average annual growth of about 5%. This indicates a reliable payout, supported by a solid financial foundation and a conservative business policy. Analysts expect that Bank OZK will also be able to continue its dividend policy in the future, provided that no significant negative economic developments occur.