Hold. OZK trades at a 39% discount to historical P/E (8.5× forward), supported by solid Value Compounder fundamentals (66/100), but faces maximal vulnerability: a financial-services-dependent business model exposed to credit cycles, rate shocks, and regulatory tightening with limited operational moats. Leadership alignment is respectable (72.8/100), yet anemic growth (54/100 Compounder) offers limited upside offset to cyclical downside risk.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for OZK:
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Stocky rates OZK (OZK) at 66/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. OZK trades at a 39% discount to historical P/E (8.5× forward), supported by solid Value Compounder fundamentals (66/100), but faces maximal vulnerability: a financial-services-dependent business model exposed to credit cycles, rate sh
OZK's current Stocky Verdict is 66/100, placing it in the "Hold" band. This composite combines a 66/100 Compounder score, 73/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for OZK yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
OZK scores 73/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
OZK's Vulnerability Profile scores 100/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to OZK.
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