B+
Bull case
20%
Probability
Target price
$62.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
OZK
Bank OZKBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
CIB growth, record fee income, record deposits, strong capital ratios and ongoing share repurchases could gradually offset RESG repayment pressure and support book-value compounding. [#IR-2026-07-22]
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.3.
What can break
Credit quality remains a concern: classified and criticized assets increased moderately, and Q2 net charge-offs were concentrated in RESG office and life-science loans. [#IR-2026-07-22]
Momentum
35
Value
64
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $54.00 · Bull $62.00 · Bear $42.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $54.67
Why
Momentum35 · Δ7d +1.6
Value64 · Δ7d 0.0
Sentiment69 · Δ7d +4.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +4.3.
Contradictions & invalidation
- • Credit quality remains a concern: classified and criticized assets increased moderately, and Q2 net charge-offs were concentrated in RESG office and life-science loans. [#IR-2026-07-22]
- • Deposit-cost pressure may reaccelerate after management described Q2 as a likely COIBD inflection point.
- • The earnings beat was narrow and profits remain below last year.
Catalyst clock
2026-07-21
Q2 earnings were a small EPS beat but operationally mixed
Lead driver: Sentiment · See AI snapshot
Momentum
35
9% active weight
Current posture
7d trendFlat
Δ7d
+1.6
Δ21d
-8.9
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+4.3
Δ21d
+6.0
Why this grade
Composite grade B. Momentum 34.9 / Value 64.2 / Sentiment 68.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$54.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$5.8B
Beta
0.94
Shares Out
113.43M
P/E (TTM)
7.6
P/S (TTM)
3.12
P/FCF (TTM)
11.32
Rev YoY
-3.8%
EPS YoY
-5.7%
Gross Margin
-
Op Margin
+32.3%
Net Debt
-$2.2B
Current Ratio
0.07
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data