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Bank of the Ozarks Inc
OZRK : NASDAQ : Financial
$31.61 | %
Today's Range: 0.00 - 0.00
Avg. Daily Volume: 482,500
08/21/14 - 3:59 PM ET

Financial Analysis


BANK OF THE OZARKS INC's gross profit margin for the second quarter of its fiscal year 2014 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.

At the same time, stockholders' equity ("net worth") has greatly increased by 60.07% from the same quarter last year.

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Income Statement Q2 FY14 Q2 FY13
Net Sales ($mil)87.1566.94
EBITDA ($mil)52.0740.12
EBIT ($mil)48.9937.62
Net Income ($mil)26.4920.39


Balance Sheet Q2 FY14 Q2 FY13
Cash & Equiv. ($mil)110.6960.89
Total Assets ($mil)6297.984043.63
Total Debt ($mil)401.82481.34
Equity ($mil)850.2531.13


Profitability Q2 FY14 Q2 FY13
Gross Profit Margin87.989.31
EBITDA Margin59.7459.93
Operating Margin56.2156.2
Sales Turnover0.050.06
Return on Assets1.561.98
Return on Equity11.5815.12
Debt Q2 FY14 Q2 FY13
Current Ratio0.00.0
Debt/Capital0.320.48
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY14 Q2 FY13
Shares outstanding (mil)79.6670.88
Div / share0.120.09
EPS0.340.29
Book value / share10.677.49
Institutional Own % n/a n/a
Avg Daily Volume383975.0223777.0

Valuation


BUY. BANK OF THE OZARKS INC's P/E ratio indicates a premium compared to an average of 17.13 for the Commercial Banks industry and a premium compared to the S&P 500 average of 19.39. Conducting a second comparison, its price-to-book ratio of 2.93 indicates valuation on par with the S&P 500 average of 2.68 and a significant premium when compared to the industry average of 1.21. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, BANK OF THE OZARKS INC proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
OZRK 23.75 Peers 17.13   OZRK 68.01 Peers 11.71

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

OZRK is trading at a significant premium to its peers.

 

Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

OZRK is trading at a significant premium to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
OZRK 17.16 Peers 17.80   OZRK NM Peers 1.14

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

OZRK is trading at a premium to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

OZRK's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
OZRK 2.93 Peers 1.21   OZRK 15.85 Peers 15.80

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

OZRK is trading at a significant premium to its peers.

 

Average. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

OZRK is expected to keep pace with its peers on the basis of earnings growth.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OZRK 8.00 Peers 2.32   OZRK 18.99 Peers -5.56

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

OZRK is trading at a significant premium to its industry.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

OZRK has a sales growth rate that significantly exceeds its peers.

 

 

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