Bank OZK vs White Mountains Insurance

Bank OZK and White Mountains Insurance Group, Ltd. This page compares business models, financial performance, and market context, helping readers understand how the two organisations operate across financial services. The tone is neutral and accessible, presenting factual information for educational purposes. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OZK

Metric

WTM

$5.38B

Market Cap

$5.15B

12.67%

Potential Profit

N/A

Hold

Analyst Rating

N/A

Investment Analysis

Bank OZK

OZK

Pros

Loan portfolio grew by 10.1% in the first half of 2025, reflecting strong organic growth and expansion.
Maintains conservative credit standards, resulting in a net charge-off ratio well below the industry average.
Has consistently paid dividends for 29 years, currently offering a 3.6% yield attractive to income investors.

Considerations

Concentrated exposure to commercial real estate, which remains a sector facing ongoing challenges.
Recent analyst upgrades have not fully translated into strong investor sentiment, with mixed trading performance.
Aggressive branch expansion may pressure near-term profitability due to higher operating costs.

White Mountains Insurance

WTM

Pros

Revenue increased by 8.66% in 2024, demonstrating continued top-line growth across its business segments.
Operates with a diversified business model, including municipal bond reinsurance and property and casualty insurance.
Low beta of 0.31 suggests lower volatility compared to broader market movements.

Considerations

Net income declined by 54.7% in 2024, indicating significant profitability pressures despite revenue growth.
Return on equity and return on assets remain below industry averages, reflecting weaker capital efficiency.
Dividend yield is minimal at 0.05%, offering little appeal to income-focused investors.

About The Companies

Bank OZK (OZK)

Bank OZK is an American regional bank offering a wide array of financial products and services. Headquartered in Arkansas, it serves customers across nine states through more than 260 offices. The bank caters to personal and business clients with services including current and savings accounts, loans, credit cards, and treasury management. It also provides specialised services such as a business aviation group and wealth management, which covers investment management and retirement planning. While the bank has demonstrated healthy financial performance, it's important for potential investors to remember that the value of any investment can go down as well as up. The banking sector is competitive and subject to economic shifts, which can impact performance. This information is for educational purposes and not a recommendation to invest.

White Mountains Insurance (WTM)

White Mountains Insurance Group, Ltd. (WTM) is a Bermuda‑based diversified insurance holding company that combines underwriting operations, reinsurance and run‑off businesses with an investment portfolio. Investors should know it generates returns from insurance float and investment income while managing underwriting risks; its results can be affected by catastrophe losses, reserve development and capital market movements. With a market capitalisation of about $4.88bn, White Mountains tends to be evaluated on metrics such as combined ratio, book value per share and investment performance rather than short‑term price moves. The group’s capital allocation — including dividends, share repurchases and reinvestment — is important to returns and can change with economic and underwriting cycles. This summary is general, educational information only and not personal financial advice. Insurance stocks can be volatile; prospective investors should review the company’s filings, consider how it fits their portfolio and, if needed, consult a regulated financial adviser.

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Comparison Snapshot