NASDAQFinancialsBanks - RegionalSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in deceleration. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — manage credit risk to avoid further rating downgrades: metric not reported.
View ThesisRevenue growth is accelerating — up about 71% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskOZK's loan growth has to keep improving to justify its current price. Recent earnings showed strong performance, with a beat on estimates. It trades at 2.2× price-to-book versus a peer median of 1.2×. This suggests the price reflects less growth than expected. The primary risk is managing credit risk to avoid further rating downgrades. Peer multiples imply a price about 9% above where it trades; this read is provisional.
Trailing returns as of 2026-07-31. OZK is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 11 analysts currently covering OZK (as of Jul 2026).
Based on 3 Wall Street analysts offering 12-month price targets for OZK in the last 4 months.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Shrinking exposure may hinder competitive positioning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $51.30
The last 12 months of price, then the range of analyst 12-month targets from today’s $51.30.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Loan growth guidance supports positive outlook for the company.
Earnings beat indicates strong performance, supporting valuation.
Credit concerns may affect investor confidence and valuation.
Buyback plan signals confidence and enhances shareholder value.
Dividend increase reflects financial health and commitment to shareholders.
