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Bank of the Ozarks Inc
OZRK : NASDAQ : Financial
$36.51 | %
Today's Range: 36.48 - 37.46
Avg. Daily Volume: 402,300
12/19/14 - 4:00 PM ET

Financial Analysis


BANK OF THE OZARKS INC's gross profit margin for the third quarter of its fiscal year 2014 is essentially unchanged when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not.

At the same time, stockholders' equity ("net worth") has greatly increased by 43.95% from the same quarter last year.

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Income Statement Q3 FY14 Q3 FY13
Net Sales ($mil)99.3372.28
EBITDA ($mil)62.4842.51
EBIT ($mil)58.840.23
Net Income ($mil)32.0926.45


Balance Sheet Q3 FY14 Q3 FY13
Cash & Equiv. ($mil)112.08124.46
Total Assets ($mil)6580.364706.47
Total Debt ($mil)491.51396.11
Equity ($mil)875.58608.24


Profitability Q3 FY14 Q3 FY13
Gross Profit Margin90.7988.2
EBITDA Margin62.958.81
Operating Margin59.1955.66
Sales Turnover0.050.06
Return on Assets1.641.85
Return on Equity12.3614.38
Debt Q3 FY14 Q3 FY13
Current Ratio0.00.0
Debt/Capital0.360.39
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY14 Q3 FY13
Shares outstanding (mil)79.7173.4
Div / share0.120.1
EPS0.40.36
Book value / share10.998.29
Institutional Own % n/a n/a
Avg Daily Volume447484.0417946.0

Valuation


BUY. BANK OF THE OZARKS INC's P/E ratio indicates a premium compared to an average of 22.67 for the Commercial Banks industry and a premium compared to the S&P 500 average of 19.74. To use another comparison, its price-to-book ratio of 3.24 indicates a premium versus the S&P 500 average of 2.73 and a significant premium versus the industry average of 1.17. 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 25.23 Peers 22.67   OZRK 50.71 Peers 40.42

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

OZRK is trading at a 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 18.20 Peers 42.08   OZRK NM Peers 1.41

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 3.24 Peers 1.17   OZRK 15.57 Peers 24.14

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.

 

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

However, OZRK is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OZRK 8.39 Peers 2.53   OZRK 25.35 Peers 3.22

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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