Which has the lower trailing P/E, FFIN or OZK?

OZK has the lower trailing P/E: FFIN trades at 17.07 and OZK at 7.37. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FFIN or OZK?

Over the past five years, OZK grew revenue faster — FFIN at a 11.61% CAGR versus OZK at 18.68%.

Does FFIN or OZK pay a bigger dividend?

FFIN yields 2.56% and OZK yields 4.00% based on trailing dividends and the latest price.

Is FFIN or OZK more profitable?

FFIN runs the higher net margin — FFIN at 31.16% versus OZK at 24.95%.

How have FFIN and OZK total returns compared?

Over the past 10 years, FFIN delivered 7.63% and OZK delivered 4.77% annualized total return. Past performance doesn't predict future results.

First Financial Bankshares, Inc. (FFIN) vs Bank OZK (OZK)

A side-by-side comparison of First Financial Bankshares, Inc. and Bank OZK across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FFIN

First Financial Bankshares, Inc.

$4.57B

$31.92Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

OZK

Bank OZK

$4.87B

$44.58Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FFIN vs OZK

growth of $100 · dividends reinvested · last 10y

FFIN +111.6% (+7.8%/yr)OZK +54.3% (+4.4%/yr)FFIN compounded faster over this window

FFIN OZK

FFIN vs OZK: by the numbers

•OZK is the larger company ($4.87B vs $4.57B market cap).
•OZK trades at the lower trailing earnings multiple (7.37 vs 17.07 P/E), one valuation lens rather than an overall verdict.
•FFIN converts more revenue to profit (31.16% vs 24.95% net margin).
•OZK grew revenue faster over the past five years (18.68% vs 11.61% CAGR).
•OZK pays the higher dividend yield (4.00% vs 2.56%).

Metrics side by side

Valuation

Metric	FFIN	OZK
P/E ratio	17.07	7.37
Forward P/E	15.60	7.69
PEG ratio	3.78	0.33
P/S ratio	5.30	1.76
P/B ratio	2.29	0.82

Profitability

Metric	FFIN	OZK
Operating margin	38.00%	32.35%
Net margin	31.16%	24.95%
ROE	13.47%	11.01%

First Financial Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Bank OZK: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FFIN	OZK
Dividend yield	2.56%	4.00%
Payout ratio	43.85%	30.74%

Growth (annualized)

Metric	FFIN	OZK
Revenue CAGR (5Y)	11.61%	18.68%
EPS CAGR (5Y)	4.62%	22.41%
Total return CAGR (5Y)	-5.53%	4.97%

Frequently asked

Which has the lower trailing P/E, FFIN or OZK?: OZK has the lower trailing P/E: FFIN trades at 17.07 and OZK at 7.37. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FFIN or OZK?: Over the past five years, OZK grew revenue faster — FFIN at a 11.61% CAGR versus OZK at 18.68%.
Does FFIN or OZK pay a bigger dividend?: FFIN yields 2.56% and OZK yields 4.00% based on trailing dividends and the latest price.
Is FFIN or OZK more profitable?: FFIN runs the higher net margin — FFIN at 31.16% versus OZK at 24.95%.
How have FFIN and OZK total returns compared?: Over the past 10 years, FFIN delivered 7.63% and OZK delivered 4.77% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FFIN analysis Full OZK analysis Interactive comparison tool

Dig into the metrics

First Financial Bankshares P/E ratio Bank OZK P/E ratio First Financial Bankshares dividend yield Bank OZK dividend yield First Financial Bankshares ROE Bank OZK ROE First Financial Bankshares operating margin Bank OZK operating margin First Financial Bankshares revenue growth Bank OZK revenue growth

First Financial Bankshares & Bank OZK appear in these rankings

Highest Dividend Yield Stocks 25+ Year Dividend Growers Fastest Revenue Growth Stocks Highest Operating Margin Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.