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Bank of Ozarks

This document analyzes Bank of the Ozarks (OZRK), a commercial bank providing financial services to individuals, businesses, and retailers. It discusses OZRK's main activities, key economic drivers and statistics for the commercial banking industry, OZRK's future outlook and competitive positioning, and recommends a buy based on continued growth prospects and positive valuation.

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1K views9 pages

Bank of Ozarks

This document analyzes Bank of the Ozarks (OZRK), a commercial bank providing financial services to individuals, businesses, and retailers. It discusses OZRK's main activities, key economic drivers and statistics for the commercial banking industry, OZRK's future outlook and competitive positioning, and recommends a buy based on continued growth prospects and positive valuation.

Uploaded by

Anonymous Ht0MIJ
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
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Bank of the Ozarks (OZRK)

Rushil Patel
Financials Sector
December 3, 2014

Commercial Banking Industry


Main Activities
Provide financial services to individuals,
retailers, and businesses
Depository services
Checking & savings accounts
Certificates of deposit
Money market accounts
Issuing consumer, commercial, and
industrial loans

Key Economic Drivers

Key Statistics

Revenue: $426.3 billion/yr.


Profit: $76.7 billion/yr.
Growth (09 -14): 1.6% annually
Future Growth (14 - 19): 10.0%
annually
Businesses: 5,643

Aggregate household debt


Delinquency rates
Corporate profits
Prime Rate
Federal Funds Rate

Future Outlook

Aggregate household debt rising


Delinquency rates falling
Corporate profit skyrocketing (7.77%
annually)
Federal Funds Rate locked (0 0.25%)
Prime Rate stagnating (3.25%)

Market Segmentation

Market Segmentation

Bank of the Ozarks (OZRK)


Mission Statement: Over a 100-year banking history, weve held true to the belief that our customer
relationships are our strongest asset. Everyone at Bank of the Ozarks takes pride in knowing you, our customer. This
all-too-rare approach of putting your needs first is why were consistently ranked among the top-performing banks in
America. But more importantly, its what keeps our customers happy. You have a friend here.

Main Products/Services: Personal banking: depository services, credit, and personal


loans. Business banking: depository services, commercial loans, and leasing. Wealth
management: financial planning, custodial services, trusts, and investment portfolio
management.

Headquarters/Geographic Coverage: Headquartered in Little Rock, Arkansas.


Provides services throughout the Southeast region: Arkansas, Georgia, Texas,
Florida, Alabama, North Carolina, and South Carolina.
People/Statistics: Chairmen and CEO: George Gleason (2010 Community Banker
of the Year by American Banker). Size: 158 offices. Assets: $6.58 billion. YTD Net
Income: $83.9 million.
Major Projects/News: Acquired Intervest Bancshares Corp. in August; ready to expand
commercial real estate offerings with Stabilized Properties Group based in NY. Strong Q3
earnings report: 47.4% increase in interest income, 21% increase in profit, $0.01 per share
higher than estimates. Increase in quarterly dividend by 4.17% per share.

Bank of the Ozarks (OZRK)

Revenue: 338.47 million


Sales Growth: 17.01 million
Net Income: 104.15 million
Total Assets: 6.58 billion
Current Price: 36.04
Previous Close: 35.32

Open: 35.32
1y Target Estimate: 38.17
Beta: 1.03
52 week Range: 26.77 - 37.80
Average Volume: 439,439
Market Cap: 2.82 billion

P/E: 25.99
PEG: 3.15
EPS: 1.36
P/B: 3.28
Dividend/Yield: 0.50 (1.40%)

Competitor Analysis
Company

Geographic Reach

Key Financials

BancorpSouth, Inc. operates


as a financial holding
company that provides
commercial banking and
financial services to
individuals and small-tomedium size businesses.

Branches throughout
southeast: Mississippi,
Alabama, Arkansas,
Louisiana, Texas,
Tennessee, and
Missouri.

Market Cap: 2.06 billion


P/E: 17.71
PEG: 3.56
EPS: 1.21
P/B: 1.28
Dividend/Yield: 0.30 (1.40%)

Regions
Financial
Corporation
(RF)

Regions Financial
Corporation, together with its
subsidiaries, provides banking
and bank-related services to
individual and corporate
customers in the United
States

Headquartered in
Birmingham, Alabama.
Branches throughout
southeast, east coast,
and midwest regions.

Market Cap: 13.45 billion


P/E: 12.05
PEG: 2.23
EPS: 0.81
P/B: 0.83
Dividend/Yield: 0.20 (2.00%)

Bank of
America
Corporation
(BAC)

Bank of America Corporation


provides banking and
financial services for
individual consumers, small
and medium businesses,
investors, corporations, and
governments in the United
States and internationally.

Headquartered in
Charlotte, North
Carolina. Branches all
across the United
States and
internationally.

Market Cap: 176.57 billion


P/E: 41.98
PEG: 4.63
EPS: 0.40
P/B: 0.80
Dividend/Yield: 0.20 (1.20%)

BancorpSouth,
Inc. (BXS)

Description

DDM Analysis

Bank of the Ozarks (OZRK) Buy


Aggregate household debt is rising while delinquency
rates on loans are falling.
Future expansion is promising: mergers, east coast,
real estate loans segment
Continued strong growth: interest income, overall
profits, dividends

Positive valuation: P/B ratio, EPS, DDM analysis

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