Bank OZK (OZK) Fair Value 2026

OZK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.1 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-10-07, Bank OZK (OZK) trades at $44.58, versus a $89.80 median fair value across its 2 active models — 101.4% above the current price. QOC: 6.1/10. Value Trap Risk: 0/100 (SAFE). 2/13 models active.

Key Facts

Ticker
OZK
Price
$44.58
Quality Score
6.1/10
Value Trap Risk
0/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +137.4% upside with 12% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is Bank OZK (OZK) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, Bank OZK (OZK) appears undervalued as of : the median of 2 independent fair value estimates is $89.80, 101.4% above the current price of $44.58. Estimates range from $73.78 to $105.81. OZK scores 6.1/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. OZK’s +101.4% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Bank OZK Stock in 2026? →

What Fair Value Does Each Model Give OZK?

2 Intrinsic Value Models vs. Current Price ($44.58)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Low Conviction
 $73.78 +65.5%
Relative · Low Conviction
 $105.81 +137.4%

All Models Active

All 2 models are displayed above.

What Is Bank OZK (OZK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Bank OZK's intrinsic value is estimated at a median fair value of $89.80. At a current market price of $44.58, 2 of 2 active valuation models identify upside potential, projecting a median implied return of +101.4%. Notably, Regime Cross sees the most upside at +137.4% (fair value: $105.81), while Markov DDM is the most conservative at +65.5% ($73.78). The spread between these extremes — +71.9% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About OZK?

2 of 13 models are currently active for OZK. All 2 active models suggest the stock trades below fair value. Taken together, their median fair value for OZK is $89.80 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OZK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, OZK ranks #332 by Quality of Company score. CirclFi's QOC score of 6.1/10 evaluates 32 fundamental signals. A score of 6.1 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For Bank OZK, metrics like non-performing loan ratio provide important context that general-purpose valuation models may underweight.

Is OZK a Value Trap?

CirclFi's Value Trap algorithm assigns OZK a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Bank OZK. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Bank OZK earns a quality score of 6.1/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +71.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OZK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OZK's 2 active models, average confidence is 13%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Bank OZK Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

NSTSNSTS Bancorp, Inc.QOC 6.2BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1FLGFlagstar Bank, National AssociationQOC 6.2PBHCPathfinder Bancorp, Inc.QOC 6.0PBAMPrivate Bancorp of America, Inc.QOC 6.2CARVCarver Bancorp, Inc.QOC 5.7CBSHCommerce Bancshares, Inc.QOC 8.5TRSTTrustCo Bank Corp NYQOC 8.1SBSISouthside Bancshares, Inc.QOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: NSTS · BCOW · FLG · PBHC · PBAM · CARV · CBSH · TRST · SBSI · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to OZK?

7 companies across all industries closest to OZK’s Quality of Company score of 6.1/10.

FSKFS KKR Capital Corp.QOC 6.1FFFutureFuel Corp.QOC 6.1GEGGreat Elm Group, Inc.QOC 6.1YTRAYatra Online, Inc.QOC 6.1BKYIBIO-key International, Inc.QOC 6.1PWPower REITQOC 6.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FSK · FF · GEG · YTRA · BKYI · PW · NVDA

Where Does OZK Sit in CirclFi's Banks - Regional Rankings?

OZK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Bank OZK’s Valuation?

What is Bank OZK's intrinsic value in 2026?

CirclFi puts Bank OZK (OZK)'s intrinsic value at $89.80 — the median of 2 independent model estimates as of 2026-10-07, ranging from $73.78 to $105.81. The Quality of Company score is 6.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OZK overvalued or undervalued right now?

At $44.58, 2 of 2 active models suggest OZK may be undervalued, while 0 indicate potential overvaluation. The median of all 2 fair value estimates is $89.80, 101.4% above the current price of $44.58 — a consensus view that OZK is undervalued. The assessment depends on which methodology best fits Bank OZK's business model in Banks - Regional.

What does a Quality of Company score of 6.1 mean for OZK?

Bank OZK's QOC of 6.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on OZK?

CirclFi analyzes OZK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is OZK a value trap in 2026?

Bank OZK's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, Bank OZK (OZK) has a median fair value of $89.80 — 101.4% above the current price of $44.58 — as of 2026-10-07.” Source: circlfi.com/stock/OZK/ · Methodology
Primary sources for this OZK valuation
  • Financial statements: Bank OZK 10-K and 10-Q filings on SEC EDGAR (CIK 0001569650) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OZK as of ; valuations recomputed .