Head to Head Survey: Oxford Bank (OTCMKTS:OXBC) vs. Bank OZK (NASDAQ:OZK)

Bank OZK (NASDAQ:OZK) and Oxford Bank (OTCMKTS:OXBC) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, risk, valuation, profitability and institutional ownership.

Volatility and Risk

Bank OZK has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500. Comparatively, Oxford Bank has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500.

Valuation and Earnings

This table compares Bank OZK and Oxford Bank”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank OZK	$2.81 billion	2.06	$715.48 million	$6.14	8.41
Oxford Bank	$62.26 million	1.73	$10.96 million	$3.92	11.10

Bank OZK has higher revenue and earnings than Oxford Bank. Bank OZK is trading at a lower price-to-earnings ratio than Oxford Bank, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

86.2% of Bank OZK shares are owned by institutional investors. Comparatively, 4.5% of Oxford Bank shares are owned by institutional investors. 6.7% of Bank OZK shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current recommendations for Bank OZK and Oxford Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank OZK	1	4	6	0	2.45
Oxford Bank	0	0	0	0	0.00

Bank OZK presently has a consensus price target of $56.89, suggesting a potential upside of 10.22%. Given Bank OZK’s stronger consensus rating and higher possible upside, analysts clearly believe Bank OZK is more favorable than Oxford Bank.

Profitability

This table compares Bank OZK and Oxford Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank OZK	25.27%	12.32%	1.71%
Oxford Bank	15.06%	N/A	N/A

Summary

Bank OZK beats Oxford Bank on 13 of the 14 factors compared between the two stocks.

About Bank OZK

Bank OZK provides various retail and commercial banking services for individuals and businesses in the United States. The company offers deposit services, including non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts, as well as corporate trust services, including trustee, paying agent and registered transfer agent services, and other related services. In addition, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. Further, it provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and affordable housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. Additionally, the company offers ATMs; telephone, online, and mobile banking services; credit and debit cards; safe deposit boxes; and other products and services. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

About Oxford Bank

Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.