Motley Fool  Oct 21  Comment 
At Bank of the Ozarks, good isn't good enough. This bank is simply great.
Benzinga  Oct 16  Comment 
FBR Capital upgraded Bank of America (NYSE: BAC) from Market Perform to Outperform. The price target for Bank of America has been raised from $18.00 to $20.00. Bank of America shares closed at $15.76 yesterday. Analysts at Piper Jaffray upgraded...
Benzinga  Oct 16  Comment 
Analysts at Wunderlich upgraded Bank of the Ozarks (NASDAQ: OZRK) from Hold to Buy. The price target for Bank of the Ozarks has been raised from $35.00 to $38.00. Bank of the Ozarks shares have gained 25.61% over the past 52 weeks, while the...
SeekingAlpha  Oct 15  Comment 
By SA Transcripts: Bank of the Ozarks (NASDAQ:OZRK) Q3 2014 Results Earnings Conference Call October 15, 2014, 11:00 AM ET Executives Susan Blair - EVP of IR George Gleason - Chairman and CEO Analysts Kevin Reynolds -...
DailyFinance  Aug 14  Comment 
Former United States Securities and Exchange Commission attorney Willie Briscoe and the securities litigation firm of Powers Taylor LLP are investigating potential claims against the Board of Directors of Intervest Bancshares...
Benzinga  Aug 1  Comment 
Expedia (NASDAQ: EXPE) shares reached a new 52-week high of $84.13 after the company reported upbeat results for the second quarter. Analysts at Raymond James upgraded Expedia from Market Perform to Outperform. Intervest Bancshares (NASDAQ:...
SeekingAlpha  Jul 22  Comment 
By Stephen Rosenman: Despite its meteoric rise, Bank of the Ozarks (NASDAQ:OZRK) has another potential double in it. Since my last article, critical information has come to light that can propel the stock much higher. To date, the analyst...
Motley Fool  Jul 16  Comment 
Although Bank of the Ozarks may have good operations, its expensive book value lowers the expectations for healthy returns.


Bank of the Ozarks, Inc. is a bank holding company. The Company wholly owns a state-chartered bank subsidiary, Bank of the Ozarks (the Bank). As of December 31, 2010, the Bank conducts banking operations through 66 offices in Arkansas, seven in Texas, ten in Georgia, three in Florida, two in North Carolina, and one each in South Carolina and Alabama.[1] The Company provides a range of retail and commercial banking services, including loaning, checking, savings, money market, time deposit and individual retirement accounts. The company does not earn revenue outside of the United States and only operates in one segment: community banking.

Business Growth

During 2010, the company earned net income of $64 million, a 73.8% increase from the previous year., while diluted earnings per share was $3.75, a 72% increase from the previous year. Net interest for the year increased 2.5% to $133.6 million, due to an improvement in the Company’s net interest margin, which increased 38 basis points to 5.18% in 2010. Additionally, the Company's four FDIC-assisted acquisitions resulted in the addition of higher yielding covered loans.[2]

Trends and Forces

Exposure to lending/credit risks

With its activity in loaning, the company has high exposure to credit risk, and relies on accurately predicting how well its customers will repay their loans. The corporation must maintain proactive credit risk management and constantly weigh ongoing economic factors--should they overestimate its customers' ability to repay loans, the bank's overall performance will suffer.

Exposure to market conditions

Changes in interest rates inversely affect a bank's net interest margin — the difference between the yield the bank earns on assets and the interest rate it pays for deposits and other sources of funding. Interest rate fluctuations, such as in the Federal Funds Rate (the rate at which financial institutions lend federal funds to other depository institutions) and Prime Rate (rate at which banks lend to their highest-credited consumers) affect bank products such as loans, deposits, securities, and short-term lending. As interest rates rise, banks are forced to pay higher rates on deposits and other interest bearing accounts. Meanwhile consumer demand for mortgages and other loan products diminishes as borrowing becomes more expensive. The combination of these two effects reduces both the volume of loans and the profitability of each loan. Rising interest rates also have the potential to increase a bank's defaults as holders of adjustable rate mortgages find themselves unable to meet their obligations.


In addition to commercial and savings banks, the Bank of the Ozarks also competes with credit unions and other financial service firms. Other banks with large presence in Arkansas include:[3]


  1. OZRK 2010 Annual Report Pg. 5
  2. OZRK 2010 Annual Report Pg. 11
  3. [1]
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