Stock fact sheet · data as of
Bank OZK (OZKAP): fair value, margin of safety and Wheel Score
Ticker symbol OZKAP · Financial Services · Banks - Regional · United States · Preferred stock · Value Quality
OZKAP is not Bank OZK's common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as OZK (common stock).
Is OZKAP undervalued?
At 14.53 (close of 5 Nov 2026), OZKAP trades 77% below the GLS average fair value of 63.66. That average comes from 9 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Bank OZK the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Lynch (12.17) and Payback Time (128.66). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, OZKAP is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 83, growth score 43, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).
Nine valuation models for OZKAP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 100.20 | +590% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 86.10 | +493% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 37.83 | +160% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.17 | -16% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 44.96 | +209% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 116.29 | +700% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 128.66 | +785% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 27.96 | +92% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 18.75 | +29% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -84.66 | -683% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bank OZK scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 8.6/10 puts OZKAP among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 10.9%, ROE 11.7%, ROA 1.8% - with debt at 0.08 times equity and a free-cash-flow yield of 10.2%.
The dividend yield is 3.67% at a payout ratio of 24%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 10.9% |
|---|---|---|---|
| GLS Moat | 8.6 / 10 | ROE | 11.7% |
| Debt / equity | 0.08 | ROA | 1.8% |
| Free-cash-flow yield | 10.2% | Payout ratio | 24% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bank OZK in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 39, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 57k shares a day on a market cap of $5.4B, with a beta of 0.88; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 77% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 8.6/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Good | beta 0.88, $5.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 21 Jan 2027, 77 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bank OZK by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| VLYPP Valley National Bancorp | 24.96 | 30.83 | +19% | 30No options | $5.4B |
| AX Axos Financial, Inc. | 94.57 | 242.39 | +61% | 83Good | $5.4B |
| IFS Intercorp Financial Services Inc. | 48.27 | 109.16 | +56% | 38No options | $5.3B |
| EBC Eastern Bankshares, Inc. | 23.31 | 21.99 | -6% | 35Weak | $5.3B |
| VLYPO Valley National Bancorp | 24.22 | 30.19 | +20% | 30No options | $5.3B |
| GGAL Grupo Financiero Galicia S.A. | 30.95 | 19.98 | -55% | 37Weak | $5.2B |
| AUB Atlantic Union Bankshares Corporation | 40.17 | 243.94 | +84% | 52Fair | $5.6B |
| ABCB Ameris Bancorp | 84.14 | 76.43 | -10% | 38Weak | $5.6B |
| ASB Associated Banc-Corp | 31.35 | 48.31 | +35% | 40Weak | $5.2B |
| OZK Bank OZK | 51.79 | 101.90 | +49% | 78Good | $5.7B |
| FINN First National of Nebraska, Inc. | 19,075.00 | 69,094.50 | +72% | 35No options | $5.2B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.31 | 10.66 | +60% | 35No options | $5.1B |
⚖ Compare OZKAP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about OZKAP
Is OZKAP the same as Bank OZK stock?
No. OZKAP is not Bank OZK's common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as OZK (common stock).
Is OZKAP undervalued right now?
By the GLS models, yes: at 14.53 the stock is 77% below the average fair value of 63.66 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of OZKAP and what does it mean?
OZKAP has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for OZKAP?
63.66 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bank OZK report earnings next?
The next earnings report is due on 21 Jan 2027, 77 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does OZKAP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on OZKAP, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.