4th Quarter 2017 report for OZRK Date: 3-14-18

Percentage change in Sales from year ago quarter___Unknown_(49.7% 9/17)_66.5% per 4Q report______

Percentage change in Earnings per Share from year ago quarter_Unknown_(22.4% 9/17)_58.3% per 4Qreport_

Is company meeting our target sales & earnings estimates? Unknown was beating both 9/17.

Pre-tax Profit on sales trend? (up, even, down) Unknown was down, just a little

Return on equity trends? (up, even, down) was Down by 0.4%

Debt? (up, even, down) Down

Current PE is ___15.10 per valueline____

Where does it fall in my estimated High/low range of PE's? Mid-range (.6 pts less than AVG)

Signature PE =___18.5%______

Club cost basis for this stock is __$48.08______. Current price is _$52.66 (03/12/18)___

(from latest valuation)

Current fair valueMorningstar: doesn’t report on OZRK _ _ Valueline gives a 2 Performance, 3 Safety,
B++ Financial Strength

My SSG Total Return is ______13.5%___ Projected Average Return (Average PE):_11.2%__

2017 was a record $146.2 million, a 66.5% increase from $87.8 million for the fourth quarter of 2016. Diluted earnings per common share for the fourth quarter of 2017 were a record $1.14, a 58.3% increase from $0.72 for the fourth quarter of 2016.

Return On Average Assets is excellent 2.1% for OZRK

What does OZRK do?
Bank of the Ozarks, Inc. is a bank holdingfirm with $18.45 billion in total assets at September 30,2016 for Bank of the Ozarks, which provides retail andcommercial banking products and services. It offers checking, savings, money market, time deposit, and IRAs; andreal estate, consumer, commercial, and agricultural loans.

The bank also provides mortgage loans; treasury management services; trust and wealth management services; realestate appraisals; credit-related life and disability insurance;online banking; and debit cards and safe deposit boxes. Inaddition, it offers credit cards for consumers and businesses;processing of merchant credit card transactions; and investment brokerage services. At December 31, 2016, the company had 250 offices, including offices in Arkansas, Georgia, Florida, North Carolina, Texas, Alabama, and SouthCarolina, New York, and California. Bank of the Ozarks,Inc. was founded in 1981.

What will drive future growth:

VL (3/13/18) Does not do an analysis of OZRK.

MStar (3/13/18): We do not currently publish an Analyst Report for this company.

NEW CONSTRUCTS (3/13/18) Didn’t locate the New Constructs Report.

Current yield is1.4 % for the dividend.

Represents 4.3% of our portfolio

Recommend: Buy More __, __Hold___, Challenge with a better investment______, Sell___

Used conservative figures (avg 5 yr PE for high price, avg 5 yr LOWPE for low price to get a HOLD recommendation but it's still close to a buy. Less conservative forecasts would suggest a buy HOWEVER BI's SSG update problem makes a confident forecast more difficult. Also Marketwatch has it as "overweight" (middle between BUY and HOLD).