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Bank of the Ozarks Inc
OZRK : NASDAQ : Financial
$33.98 -0.11 | -0.32%
Today's Range: 33.65 - 34.62
Avg. Daily Volume: 470,800
01/28/15 - 3:14 PM ET

Financial Analysis


At the same time, stockholders' equity ("net worth") has greatly increased by 45.35% from the same quarter last year.

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Income Statement Q4 FY14 Q4 FY13
Net Sales ($mil)0.078.68
EBITDA ($mil)66.2148.59
EBIT ($mil)66.2145.83
Net Income ($mil)34.7524.4


Balance Sheet Q4 FY14 Q4 FY13
Cash & Equiv. ($mil)0.0195.98
Total Assets ($mil)6766.54787.07
Total Debt ($mil)321.38398.95
Equity ($mil)908.39624.96


Profitability Q4 FY14 Q4 FY13
Gross Profit Margin0.090.26
EBITDA Margin0.061.76
Operating Margin0.058.25
Sales Turnover0.00.06
Return on Assets1.751.9
Return on Equity13.0514.59
Debt Q4 FY14 Q4 FY13
Current Ratio0.00.0
Debt/Capital0.260.39
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY14 Q4 FY13
Shares outstanding (mil)79.9273.71
Div / share0.130.11
EPS0.430.33
Book value / share11.378.48
Institutional Own % n/a n/a
Avg Daily Volume455069.0441950.0

Valuation


BUY. BANK OF THE OZARKS INC's P/E ratio indicates a premium compared to an average of 21.88 for the Commercial Banks industry and a premium compared to the S&P 500 average of 19.47. To use another comparison, its price-to-book ratio of 3.10 indicates a premium versus the S&P 500 average of 2.75 and a significant premium versus the industry average of 1.14. Upon assessment of these and other key valuation criteria, BANK OF THE OZARKS INC seems to be trading 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 23.31 Peers 21.88   OZRK NA Peers 8.20

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

OZRK is trading at a valuation on par with its peers.

 

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

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
OZRK 15.30 Peers 36.57   OZRK NM Peers 2.49

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

OZRK is trading at a significant discount 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 3.10 Peers 1.14   OZRK 20.31 Peers 20.36

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 NA Peers 2.44   OZRK -8.41 Peers 3.12

Neutral. 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.

Ratio not available.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

OZRK significantly trails its peers on the basis of sales growth

 

 

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