TRV vs. OZK

Last updated Jun 9, 2026

TRV (The Travelers Companies, Inc.) and OZK (Bank OZK) are both stocks. Both are in the Financial Services sector — TRV in Insurance - Property & Casualty, OZK in Banks - Regional. Over the past 10 years, TRV returned 12.41%/yr vs 6.04%/yr for OZK. At a 0.37 correlation, their price movements are largely independent.

Performance

TRV vs. OZK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in The Travelers Companies, Inc. (TRV) and Bank OZK (OZK). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TRV achieves a 2.67% return, which is significantly lower than OZK's 10.59% return. Over the past 10 years, TRV has outperformed OZK with an annualized return of 12.41%, while OZK has yielded a comparatively lower 6.04% annualized return.

TRV

• 1D: -2.15%
• 1M: -0.44%
• YTD: 2.67%
• 6M: 6.83%
• 1Y: 10.14%
• 3Y*: 21.09%
• 5Y*: 16.05%
• 10Y*: 12.41%

OZK

• 1D: 0.62%
• 1M: 2.91%
• YTD: 10.59%
• 6M: 8.86%
• 1Y: 12.89%
• 3Y*: 12.06%
• 5Y*: 6.31%
• 10Y*: 6.04%

*Multi-year figures are annualized to reflect compound growth (CAGR)

TRV vs. OZK - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TRV The Travelers Companies, Inc.	2.67%	22.38%	28.76%	3.93%	22.42%	13.96%	5.31%	17.00%	-9.64%	13.36%
OZK Bank OZK	10.59%	7.45%	-7.36%	29.12%	-11.24%	53.15%	7.57%	38.23%	-52.03%	-6.51%

Correlation

The correlation between TRV and OZK is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.34
Correlation (3Y) Calculated over the trailing 3-year period	0.34
Correlation (5Y) Calculated over the trailing 5-year period	0.42
Correlation (10Y) Calculated over the trailing 10-year period	0.42
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001	0.37

Fundamentals

Market Cap TRV : $64.81B OZK : $5.54B
EPS TRV : $33.83 OZK : $6.28
PE Ratio TRV : 8.77 OZK : 7.95
PEG Ratio TRV : 0.41 OZK : 0.88
PS Ratio TRV : 1.36 OZK : 2.01
PB Ratio TRV : 2.03 OZK : 0.95
Total Revenue (TTM) TRV : $48.94B OZK : $2.80B
Gross Profit (TTM) TRV : $16.00B OZK : $1.56B
EBITDA (TTM) TRV : $8.15B OZK : $992.96M

Return for Risk

TRV vs. OZK — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TRV

TRV Risk / Return Rank: 60
TRV Sharpe Ratio Rank: 61
TRV Sortino Ratio Rank: 53
TRV Omega Ratio Rank: 51
TRV Calmar Ratio Rank: 66
TRV Martin Ratio Rank: 68

OZK

OZK Risk / Return Rank: 56
OZK Sharpe Ratio Rank: 61
OZK Sortino Ratio Rank: 52
OZK Omega Ratio Rank: 52
OZK Calmar Ratio Rank: 57
OZK Martin Ratio Rank: 57

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

TRV vs. OZK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for The Travelers Companies, Inc. (TRV) and Bank OZK (OZK). 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.

	TRV	OZK	Difference
Sharpe ratio: Return per unit of total volatility	0.54	0.52	+0.02
Sortino ratio: Return per unit of downside risk	0.89	0.88	+0.02
Omega ratio: Gain probability vs. loss probability	1.11	1.11	0.00
Calmar ratio: Return relative to maximum drawdown	1.22	0.68	+0.54
Martin ratio: Return relative to average drawdown	3.01	1.45	+1.55
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

TRV vs. OZK - Sharpe Ratio Comparison

The current TRV Sharpe Ratio is 0.54, which is comparable to the OZK Sharpe Ratio of 0.52. The chart below compares the historical Sharpe Ratios of TRV and OZK, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	TRV	OZK	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.54	0.52	+0.02
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.74	0.18	+0.55
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.51	0.16	+0.35
Sharpe Ratio (All Time) Calculated using the full available price history	0.39	0.57	-0.18

Drawdowns

TRV vs. OZK - Drawdown Comparison

The maximum TRV drawdown since its inception was -55.11%, smaller than the maximum OZK drawdown of -70.41%. Use the drawdown chart below to compare losses from any high point for TRV and OZK.

Drawdown Indicators

	TRV	OZK	Difference
Max Drawdown Largest peak-to-trough decline	-55.11%	-70.41%	+15.30%
Max Drawdown (1Y) Largest decline over 1 year	-8.31%	-19.03%	+10.72%
Max Drawdown (3Y) Largest decline over 3 years	-12.47%	-29.23%	+16.76%
Max Drawdown (5Y) Largest decline over 5 years	-18.90%	-35.26%	+16.36%
Max Drawdown (10Y) Largest decline over 10 years	-46.28%	-70.41%	+24.13%
Current Drawdown Current decline from peak	-4.56%	-3.36%	-1.20%
Average Drawdown Average peak-to-trough decline	-11.12%	-15.63%	+4.51%
Ulcer Index Depth and duration of drawdowns from previous peaks	3.66%	8.89%	-5.23%

Volatility

TRV vs. OZK - Volatility Comparison

The Travelers Companies, Inc. (TRV) and Bank OZK (OZK) have volatilities of 5.99% and 6.20%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TRV	OZK	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.99%	6.20%	-0.21%
Volatility (6M) Calculated over the trailing 6-month period	12.64%	16.46%	-3.82%
Volatility (1Y) Calculated over the trailing 1-year period	18.78%	24.75%	-5.97%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	21.87%	34.70%	-12.83%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	24.40%	38.99%	-14.59%

Dividends

TRV vs. OZK - Dividend Comparison

TRV's dividend yield for the trailing twelve months is around 1.48%, less than OZK's 3.65% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
OZK Bank OZK	3.65%	3.78%	3.55%	2.85%	3.15%	2.43%	3.45%	3.08%	3.48%	1.47%	1.20%	1.11%
TRV The Travelers Companies, Inc.	1.48%	1.50%	1.72%	2.06%	1.96%	2.23%	2.40%	2.36%	2.53%	2.09%	2.14%	2.11%

Financials

TRV vs. OZK - Profitability Comparison

The chart below illustrates the profitability comparison between The Travelers Companies, Inc. and Bank OZK over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

TRV - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported a gross profit of 0.00 and revenue of 11.92B. Therefore, the gross margin over that period was 0.0%.

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%.

TRV - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported an operating income of 0.00 and revenue of 11.92B, resulting in an operating margin of 0.0%.

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%.

TRV - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported a net income of 1.71B and revenue of 11.92B, resulting in a net margin of 14.4%.

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%.

Frequently Asked Questions

Can I hold both TRV and OZK in my portfolio?

TRV and OZK have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, TRV or OZK?

OZK has higher volatility (6.20%) compared to TRV (5.99%). In terms of maximum drawdown, TRV dropped -55.11% vs OZK's -70.41%.

Which has better risk-adjusted returns?

TRV currently has the higher Sharpe Ratio (0.54 vs 0.52), 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.