OZK vs. RF
OZK (Bank OZK) and RF (Regions Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, OZK returned 5.38%/yr vs 15.25%/yr for RF. A 0.58 correlation means they provide meaningful diversification when combined.
Performance
OZK vs. RF - Performance Comparison
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Returns By Period
In the year-to-date period, OZK achieves a 5.71% return, which is significantly higher than RF's 3.05% return. Over the past 10 years, OZK has underperformed RF with an annualized return of 5.38%, while RF has yielded a comparatively higher 15.25% annualized return.
OZK
- 1D
- -1.71%
- 1M
- -0.40%
- YTD
- 5.71%
- 6M
- 4.28%
- 1Y
- 9.90%
- 3Y*
- 11.58%
- 5Y*
- 5.22%
- 10Y*
- 5.38%
RF
- 1D
- -2.25%
- 1M
- 0.01%
- YTD
- 3.05%
- 6M
- 6.59%
- 1Y
- 32.36%
- 3Y*
- 20.75%
- 5Y*
- 8.57%
- 10Y*
- 15.25%
OZK vs. RF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OZK Bank OZK | 5.71% | 7.45% | -7.36% | 29.12% | -11.24% | 53.15% | 7.57% | 38.23% | -52.03% | -6.51% |
RF Regions Financial Corporation | 3.05% | 21.99% | 27.00% | -5.69% | 2.33% | 39.39% | -1.61% | 33.35% | -20.59% | 22.95% |
Correlation
The correlation between OZK and RF is 0.71, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.71 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.77 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.79 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.78 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001 | 0.58 |
The correlation between OZK and RF shifts across timeframes, from 0.58 (all time) to 0.79 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
OZK:
$5.29B
RF:
$23.78B
OZK:
$6.28
RF:
$2.51
OZK:
7.60
RF:
10.90
OZK:
1.92
RF:
2.52
OZK:
0.91
RF:
1.37
OZK:
$2.80B
RF:
$9.62B
OZK:
$1.56B
RF:
$7.29B
OZK:
$992.96M
RF:
$2.90B
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Return for Risk
OZK vs. RF — Risk / Return Rank
OZK
RF
OZK vs. RF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bank OZK (OZK) and Regions Financial Corporation (RF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| OZK | RF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.91 | ||
| Sortino ratioReturn per unit of downside risk | -1.13 | ||
| Omega ratioGain probability vs. loss probability | 1.09 | 1.24 | -0.15 |
| Calmar ratioReturn relative to maximum drawdown | 0.52 | 1.76 | -1.24 |
| Martin ratioReturn relative to average drawdown | 1.12 | 4.23 | -3.11 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| OZK | RF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.40 | 1.32 | -0.91 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.15 | 0.27 | -0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.14 | 0.43 | -0.29 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.57 | 0.18 | +0.39 |
Drawdowns
OZK vs. RF - Drawdown Comparison
The maximum OZK drawdown since its inception was -70.41%, smaller than the maximum RF drawdown of -92.65%. Use the drawdown chart below to compare losses from any high point for OZK and RF.
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Drawdown Indicators
| OZK | RF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -70.41% | -92.65% | +22.24% |
Max Drawdown (1Y)Largest decline over 1 year | -19.03% | -18.45% | -0.58% |
Max Drawdown (3Y)Largest decline over 3 years | -29.23% | -32.35% | +3.12% |
Max Drawdown (5Y)Largest decline over 5 years | -35.26% | -40.99% | +5.73% |
Max Drawdown (10Y)Largest decline over 10 years | -70.41% | -60.73% | -9.68% |
Current DrawdownCurrent decline from peak | -7.62% | -9.77% | +2.15% |
Average DrawdownAverage peak-to-trough decline | -15.64% | -31.08% | +15.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.88% | 7.67% | +1.21% |
Volatility
OZK vs. RF - Volatility Comparison
The current volatility for Bank OZK (OZK) is 5.84%, while Regions Financial Corporation (RF) has a volatility of 6.85%. This indicates that OZK experiences smaller price fluctuations and is considered to be less risky than RF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OZK | RF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.84% | 6.85% | -1.01% |
Volatility (6M)Calculated over the trailing 6-month period | 16.25% | 17.88% | -1.63% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.79% | 24.75% | +0.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 34.69% | 31.53% | +3.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.98% | 35.92% | +3.06% |
Dividends
OZK vs. RF - Dividend Comparison
OZK's dividend yield for the trailing twelve months is around 3.81%, less than RF's 3.87% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
OZK Bank OZK | 3.81% | 3.78% | 3.55% | 2.85% | 3.15% | 2.43% | 3.45% | 3.08% | 3.48% | 1.47% | 1.20% | 1.11% |
RF Regions Financial Corporation | 3.87% | 5.12% | 4.17% | 4.54% | 3.43% | 2.98% | 3.85% | 3.44% | 3.44% | 1.82% | 1.78% | 2.40% |
Financials
OZK vs. RF - Financials Comparison
This section allows you to compare key financial metrics between Bank OZK and Regions Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
OZK vs. RF - Profitability Comparison
OZK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank OZK reported a gross profit of 376.15M and revenue of 661.55M. Therefore, the gross margin over that period was 56.9%.
RF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a gross profit of 1.78B and revenue of 2.33B. Therefore, the gross margin over that period was 76.6%.
OZK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank OZK reported an operating income of 211.61M and revenue of 661.55M, resulting in an operating margin of 32.0%.
RF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported an operating income of 714.00M and revenue of 2.33B, resulting in an operating margin of 30.7%.
OZK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank OZK reported a net income of 163.36M and revenue of 661.55M, resulting in a net margin of 24.7%.
RF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a net income of 559.00M and revenue of 2.33B, resulting in a net margin of 24.0%.
Frequently Asked Questions
OZK and RF have a correlation of 0.71, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RF has higher volatility (6.85%) compared to OZK (5.84%). In terms of maximum drawdown, OZK dropped -70.41% vs RF's -92.65%.
RF currently has the higher Sharpe Ratio (1.32 vs 0.40), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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