Bank of the Ozarks Inc

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OZRK : NASDAQ : Financial
$50.48 up 0.39 | 0.78%
Today's Range: 49.7 - 50.77
Avg. Daily Volume: 1499000.0
12/07/16 - 3:59 PM ET

Financial Analysis


BANK OF THE OZARKS INC's gross profit margin for the third quarter of its fiscal year 2016 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 109.68% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)222.79125.62
EBITDA ($mil)146.7685.66
EBIT ($mil)139.7181.29
Net Income ($mil)76.0346.13


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)969.52281.62
Total Assets ($mil)18451.789329.22
Total Debt ($mil)453.14355.79
Equity ($mil)2756.351314.52


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin88.291.5
EBITDA Margin65.8768.18
Operating Margin62.7164.71
Sales Turnover0.040.05
Return on Assets1.261.77
Return on Equity8.4712.59
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.140.21
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)121.1388.27
Div / share0.160.14
EPS0.660.52
Book value / share22.7514.89
Institutional Own % n/a n/a
Avg Daily Volume1476633.01587471.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 16.78 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.22. Conducting a second comparison, its price-to-book ratio of 2.13 indicates a discount versus the S&P 500 average of 2.79 and a 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 20.20 Peers 16.78   OZRK 18.14 Peers 11.74

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 16.38 Peers 13.98   OZRK 0.98 Peers 2.12

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 significant premium to its peers.

 

Discount. 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 trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
OZRK 2.13 Peers 1.17   OZRK 24.35 Peers -39.30

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.

 

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

OZRK is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OZRK 8.85 Peers 2.82   OZRK 40.63 Peers 5.35

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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