Bank OZK vs United Bankshares

Bank OZK and United Bankshares are examined to compare their business models, financial performance, and market context in a neutral, accessible way. This page outlines similarities and differences to inform understanding rather than to advise. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OZK

Metric

UBSI

$5.38B

Market Cap

$5.68B

12.67%

Potential Profit

-4.39%

Hold

Analyst Rating

Hold

Investment Analysis

Bank OZK

OZK

Pros

Bank OZK has a strong financial health rating with a low debt-to-equity ratio of 12.5%, indicating prudent balance sheet management.
The company maintains a high net profit margin of 45.84%, demonstrating efficient profitability for its size and sector.
Bank OZK benefits from demographic trends such as Sunbelt migration and the adoption of digital banking, which support its market expansion potential.

Considerations

Bank OZK's stock has underperformed both the US Banks industry and the broader market over the past year.
The bank has concentrated exposure to real estate, which could limit profitability and increase risk due to sector cyclicality.
Future growth prospects appear limited, with a low score for future growth and some anticipated hindrances from branch expansion costs.

United Bankshares

UBSI

Pros

United Bankshares has shown steady asset growth, maintaining a solid regional banking presence to leverage local market opportunities.
The company benefits from geographic diversification across multiple states, reducing dependency on any single economy or sector.
It has a track record of consistent profitability and solid dividend payments, appealing to income-focused investors.

Considerations

United Bankshares faces risks from macroeconomic factors and interest rate sensitivity impacting net interest margins.
The bank operates in a highly competitive environment with regional and national banks, which could pressure margins and growth.
Execution risks exist in integrating acquisitions and maintaining cost efficiencies amid expansion efforts.

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.

United Bankshares (UBSI)

United Bankshares, Inc. (UBSI) is a financial holding company operating primarily through its subsidiary, United Bank. It is a significant player in the community banking space, offering a comprehensive suite of financial services to individuals and businesses. These services include standard deposit accounts, personal and commercial loans, real estate and construction lending, and brokerage and trust services. With a network of over 240 locations, the bank has a substantial presence across several US states, including Virginia, Maryland, and the Carolinas. For investors, UBSI represents a regional banking institution with diversified revenue streams. However, like any financial stock, its performance can be influenced by economic cycles, interest rate changes, and regulatory shifts. It's important to remember that past performance is not indicative of future returns, and the value of investments can go down as well as up.

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Comparison Snapshot