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OZK · Analysis updated Nov 10, 2026, 6:00 PM ET
Why is Bank OZK (OZK) stock moving?
The only news in the window is one analyst action: on Oct 30 Keefe, Bruyette & Woods kept its Market Perform rating and raised its price target from $52 to $54. That target sits about 6% above the Nov 10 close of $50.77, yet the neutral rating signals limited conviction, and no SEC filings appeared in the past 45 days. Price has risen modestly over the 30 days, from $49.67 on Oct 22 to $50.77, with a range of $47.83 to $53.06. The stock peaked on Nov 4-5 on heavier volume of 1.84M on Nov 5, then fell back to $50.64 on lighter volume. Volume has since eased to 0.89M-1.44M, which suggests fading momentum after the peak. Overall the picture is balanced, with a modest analyst tailwind offset by the recent pullback and the lack of new company-specific catalysts.
News behind the analysis
- Keefe, Bruyette & Woods Maintains Bank OZK at Market Perform, Raises Price Target to $54Keefe, Bruyette & Woods kept its Market Perform rating on Bank OZK and raised its price target from $52 to $54.
- Keefe, Bruyette & Woods Maintains Market Perform on Bank OZK, Raises Price Target to $54Keefe, Bruyette & Woods kept its Market Perform rating on Bank OZK and raised its price target from $52 to $54.
About Bank OZK
Bank OZK is a regional bank based in Little Rock, Arkansas. It has about 268 offices in nine states and roughly $43 billion in total assets as of September 2026. What sets it apart is its Real Estate Specialties Group (RESG), a national business that lends on large commercial real estate construction projects, often in major cities like New York. Its efficiency ratio is low, near 40% (meaning operating costs are small compared with revenue), and it has raised its dividend for 65 quarters in a row.
How it makes money
Most of its revenue is net interest income: the difference between the interest it earns on about $34 billion of loans and what it pays on about $35 billion of deposits. The loan book leans heavily on RESG commercial real estate and construction loans. It also lends through corporate and institutional banking (CIB), indirect marine and RV loans, and community banking. Smaller revenue comes from fees such as service charges, trust and mortgage services.
What usually moves OZK
- Interest rates and net interest margin
- Commercial real estate credit quality and charge-offs
- Timing of RESG loan payoffs and loan growth
- Deposit costs and competition for deposits
- Regional bank sector sentiment