First Financial Bankshares (FFIN) vs Bank OZK (OZK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
First Financial Bankshares (FFIN) has outperformed Bank OZK (OZK) over the past year, losing 5.9% versus a loss of 16.2%. Over five years, OZK leads with a -2.2% price change compared with -34.2% for FFIN. Bank OZK is the larger company by market cap ($4.75 billion vs $4.50 billion), about 1.1 times the size.
On valuation, Bank OZK trades at a lower forward P/E (7.2x vs 14.6x for First Financial Bankshares). Bank OZK offers the higher dividend yield (4.18% vs 2.52%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FFIN | OZK |
|---|---|---|
| Share price | $31.39 | $43.56 |
| Market cap | $4.50B | $4.75B |
| 1-day change | -1.66% | -2.29% |
| YTD return | +5.09% | -5.35% |
| 1-year return | -5.93% | -16.21% |
| 5-year return | -34.19% | -2.16% |
| P/E ratio (TTM) | 17.06 | 7.19 |
| Forward P/E | 14.56 | 7.19 |
| EPS (TTM) | $1.84 | $6.06 |
| Dividend yield | 2.52% | 4.18% |
| Annual dividend | $0.79 | $1.82 |
| Revenue (latest FY) | $631.60M | — |
| Revenue growth (YoY) | +14.68% | — |
| Net income (latest FY) | $253.58M | — |
| Net margin | 40.15% | — |
| 52-week high | $36.52 | $53.39 |
| 52-week low | $28.12 | $42.37 |
| Distance from 52-week high | -14.05% | -18.41% |
| Analyst consensus | none | hold |
| Avg. price target upside | +15.61% | +23.46% |
| Average volume | 748.82K | 1.19M |
| Shares outstanding | 143.33M | 109.04M |
| Employees | 1,500 | 3,286 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FFIN has outperformed OZK by 10.3 percentage points over the past year.
- First Financial Bankshares trades at a higher earnings multiple (17.1x vs 7.2x trailing P/E).
- Bank OZK offers a meaningfully higher dividend yield (4.18% vs 2.52%).
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Finance · Major Banks · 1,500 employees
About Bank OZK
OZK stock →Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides 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.
Finance · Major Banks · 3,286 employees
FFIN vs OZK FAQ
Which is bigger, First Financial Bankshares or Bank OZK?
Bank OZK (OZK) is larger, with a market capitalization of $4.75B compared with $4.50B for First Financial Bankshares (FFIN).
Which stock has performed better over the past year, FFIN or OZK?
FFIN returned -5.93% over the past 12 months, compared with -16.21% for OZK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or OZK?
OZK has the lower trailing P/E at 7.2, versus 17.1 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Financial Bankshares or Bank OZK?
Bank OZK has the higher yield at 4.18%, compared with 2.52% for First Financial Bankshares.
Are First Financial Bankshares and Bank OZK in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.