Bank OZK [OZK] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Bank OZK wins in 11 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Bank OZK appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Bank OZK | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.67 | 11.92 | Bank OZK |
| Price-to-Book Ratio | 0.90 | 1.51 | Bank OZK |
| Debt-to-Equity Ratio | 0.10 | 1.21 | Bank OZK |
| PEG Ratio | 7.37 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | 46.00% | 29.29% | Bank OZK |
| Operating Margin (TTM) | 58.56% | 37.84% | Bank OZK |
| EBITDA Margin (TTM) | 58.56% | 37.84% | Bank OZK |
| Return on Equity | 12.09% | 12.35% | U.S. Bancorp |
| Return on Assets (TTM) | 1.81% | 1.14% | Bank OZK |
| Free Cash Flow (TTM) | $731.73M | $7.97B | U.S. Bancorp |
| Dividend Yield | 4.68% | 3.82% | Bank OZK |
| 1-Year Return | 9.16% | 25.83% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 3.41 | 3.32 | U.S. Bancorp |
| Enterprise Value | $3.50B | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 2.25 | 4.75 | Bank OZK |
| Revenue per Share (TTM) | $14 | $17 | U.S. Bancorp |
| Earnings per Share (Diluted) | $6.18 | $4.77 | Bank OZK |
| Beta (Stock Volatility) | 0.92 | 1.03 | Bank OZK |
| Short % of Float | 15.08% | 0.00% | U.S. Bancorp |
Bank OZK vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Bank OZK | 3.14% | -0.91% | -0.40% | 1.21% | 2.27% | 1.42% |
| U.S. Bancorp | 4.37% | -2.83% | -3.80% | -1.57% | 4.34% | -1.46% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bank OZK | 9.16% | 25.85% | 9.70% | 25.17% | 306.98% | 488.69% |
| U.S. Bancorp | 25.83% | 72.81% | -9.74% | 29.45% | 123.42% | 73.14% |
Performance & Financial Health Analysis: Bank OZK vs U.S. Bancorp
| Metric | OZK | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $5.43B | $88.06B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 1,143,676 | 9,829,002 |
| 90 Day Avg. Volume | 1,290,472 | 10,401,007 |
| Last Close | $49.21 | $55.46 |
| 52 Week Range | $42.37 - $53.66 | $42.55 - $61.19 |
| % from 52W High | -8.29% | -9.36% |
| All-Time High | $56.86 (Feb 27, 2017) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -13.45% | -12.76% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.04% | 0.05% |
| Quarterly Earnings Growth | -0.03% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.46% | 0.29% |
| Operating Margin (TTM) | 0.59% | 0.38% |
| Return on Equity (TTM) | 0.12% | 0.12% |
| Debt to Equity (MRQ) | 0.10 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $52.46 | $37.54 |
| Cash per Share (MRQ) | $25.67 | $31.14 |
| Operating Cash Flow (TTM) | $837.73M | $6.04B |
| Levered Free Cash Flow (TTM) | $699.29M | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.68% | 3.82% |
| Last 12-Month Dividend | $2.20 | $2.04 |
Valuation & Enterprise Metrics Analysis: Bank OZK vs U.S. Bancorp
| Metric | OZK (Apr 24, 2026) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.67 | 11.92 |
| Forward P/E | 7.37 | 10.09 |
| PEG Ratio | 7.37 | 0.82 |
| Price to Sales (TTM) | 3.41 | 3.32 |
| Price to Book (MRQ) | 0.90 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $5.43B | $88.06B |
| Enterprise Value | $3.50B | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.25 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.92 | 1.03 |
| Book Value per Share (MRQ) | $52.46 | $37.54 |
Financial Statements Comparison: Bank OZK vs U.S. Bancorp
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | OZK (2025) | USB (2025) |
|---|---|---|
| Revenue/Sales | 1.73B | 28.54B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 934.27M | 9.52B |
| Pre-Tax Income % of Revenue | 54.1% | 33.3% |
| Income Tax | 218.81M | 1.92B |
| Income Tax % of Revenue | 12.7% | 6.7% |
| Net Income (Profit) | 715.46M | 7.60B |
| Profit Margin | 41.4% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | OZK (2025) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 2.83B | 46.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 463.58M | 60.76B |
| Long-Term Debt % of Revenue | 26.8% | 212.9% |
| Total Shareholders Equity | 6.13B | 65.65B |
| Retained Earnings | 4.32B | 80.91B |
| Retained Earnings % of Revenue | 249.9% | 283.5% |
| Property, Plant & Equipment | 415.23M | 1.51B |
Cash Flow Statement Comparison
| Metric | OZK (2025) | USB (2025) |
|---|---|---|
| Operating Cash Flow | 669.41M | 6.04B |
| Operating Cash Flow % of Revenue | 38.7% | 21.2% |
| Capital Expenditures | -106.00M | N/A |
| Free Cash Flow | 731.73M | 7.97B |
| FCF Margin | 42.3% | 27.9% |
| Debt Repayment | N/A | -9.05B |
| Common Stock Repurchase | -151.35M | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | OZK | USB |
|---|---|---|
| Shares Short | 15.46M | 27,002 |
| Short Ratio | 11.23 | 0.00 |
| Short % of Float | 15.08% | 0.00% |
| Shares Outstanding | 110.38M | 1.56B |
| Float Shares | 102.48M | 1.55B |
| % Held by Insiders | 6.73% | 0.14% |
| % Held by Institutions | 98.00% | 83.55% |
| % Held by Public | -4.73% | 16.31% |
Dividend Analysis & Yield Comparison: Bank OZK vs U.S. Bancorp
| Metric | OZK | USB |
|---|---|---|
| Last 12-Month Dividend | $2.20 | $2.04 |
| Last 12-Month Dividend Yield | 4.68% | 3.82% |
| 3-Year Avg Annual Dividend | $1.73 | $1.98 |
| 3-Year Avg Dividend Yield | 0.92% | 1.19% |
| 3-Year Total Dividends | $5.20 | $5.95 |
| Ex-Dividend Date | Jan 13, 2026 | Dec 31, 2025 |