Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.25, read 2026-10-23
Ethical does not pass the values gate
Price50.61 USD
Fair value53.25
Ethical score30.0/100
Our investment reviews on this name
2026-10-27Read Markup45.19+12.0% to today ✓Markdown gives way to Markup after an 8% slide in 7 weeks
2026-09-09Read Markdown49.34+2.6% to today Accumulation gives way to Markdown first Markdown read since July
2026-08-08Read Accumulation51.59-1.9% to today Markdown gives way to Accumulation with volume flow in agreement
2026-07-02Read Markdown52.10-2.9% to today ✓First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Bank OZK holds its Markup at $50.61. Consolidating, no directional conviction, held for 1 days.
As held on the ledger · 2026-10-23
Phase
Markup
Quantitative state
Consolidating, no directional conviction, held for 1 days
Price at the screen
$50.61
Valuation
7.46 trailing · 7.46 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.91
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Bank OZK does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-27. It updates when the underlying figures move, and past reads are kept below.
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Get an email when OZK's ethical verdict changes
Today OZK does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 17.8% margin of safety to the base estimate.
Third-party analyst targets: 9 covering, consensus Hold. The average target sits +3% from the screen price.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Cheap Bank Numbers Mask an Ethical Red Line
Walk into any Arkansas branch and the deposit book looks solid, yet the whole sector trips our ethical screen on day one. We pass without hesitation. The 8.2 times forward earnings and 12 percent ROE cannot override that hard stop.
Numbers show a mature lender with just 1 percent revenue growth and a 45 percent profit margin. Analysts sit on a hold rating with a 53 dollar median target, only a touch above the current price. Margin of safety on paper is irrelevant once ethics close the door.
Regional banks carry credit cycles that can turn a low multiple into a trap rather than a bargain. Currency and rate swings add further pressure. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
OZK trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-27Markup · changed$45.19+0.0%Entry 15
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52.
2026-10-20Markdown$45.19+0.6%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 3% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Markdown$44.93+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 3% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$44.93+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Markdown$44.93+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Markdown$44.93+1.2%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$44.41+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$44.41+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Markdown$44.41-3.9%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-02Markdown$46.20-6.4%Entry 6
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 6.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 14%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (9 analysts) rates it none, with a mean price target of $52.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.