Bank OZK (NASDAQ:OZK – Get Free Report) and Fifth District Bancorp (NASDAQ:FDSB – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, risk, analyst recommendations, valuation, institutional ownership, profitability and earnings.
Institutional & Insider Ownership
86.2% of Bank OZK shares are owned by institutional investors. 6.7% of Bank OZK shares are owned by insiders. Comparatively, 8.6% of Fifth District Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Bank OZK and Fifth District Bancorp”s top-line 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 | 1.83 | $715.48 million | $6.05 | 7.60 |
| Fifth District Bancorp | $26.49 million | 3.42 | $4.09 million | $0.34 | 50.91 |
Bank OZK has higher revenue and earnings than Fifth District Bancorp. Bank OZK is trading at a lower price-to-earnings ratio than Fifth District Bancorp, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Bank OZK has a beta of 0.88, meaning that its stock price is 12% less volatile than the S&P 500. Comparatively, Fifth District Bancorp has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings for Bank OZK and Fifth District Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank OZK | 2 | 6 | 3 | 0 | 2.09 |
| Fifth District Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Bank OZK presently has a consensus price target of $54.86, suggesting a potential upside of 19.36%. Given Bank OZK’s stronger consensus rating and higher probable upside, research analysts clearly believe Bank OZK is more favorable than Fifth District Bancorp.
Profitability
This table compares Bank OZK and Fifth District Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank OZK | 24.95% | 11.87% | 1.67% |
| Fifth District Bancorp | 6.97% | 1.27% | 0.31% |
Summary
Bank OZK beats Fifth District Bancorp on 11 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 Fifth District Bancorp
Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.
Receive News & Ratings for Bank OZK Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Bank OZK and related companies with MarketBeat.com's FREE daily email newsletter.
