OZK vs RJF Stock Comparison
OZK currently leads RJF in this stock comparison, with AIQ scores of 60 vs 56. The clearest difference is value, while RJF has the stronger quality profile.
What is the main difference between OZK and RJF?
OZK leads the current stock comparison as Bank OZK, with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank OZK vs Raymond James Financial, Inc.
OZK leads
OZK leads by 4 AIQ points, primarily on Value and Momentum. Wall Street currently favors RJF on target upside.
Fragile: 4 of 6 evidence groups support OZK, and its current signal state is conflicted.
Bank OZK
Raymond James Financial, Inc.
The Algovestiq AIQ Score currently favors OZK over RJF, 60 versus 56 as of Oct 21, 2026. OZK's advantage is driven primarily by stronger value and momentum, while RJF holds the stronger quality profile. OZK also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors RJF. 4 of 6 covered evidence groups favor OZK today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 4 points. OZK lead: Stable — the AIQ differential has held near 4 points over 30 sessions.
Compare Bank OZK and Raymond James Financial, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare OZK and RJF against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value64 vs 51OZK +13
- Quality65 vs 72RJF +7
- Momentum43 vs 36OZK +7
- Risk Resilience71 vs 65OZK +6
4 of 6 evidence groups favor OZK. OZK’s edge is concentrated in value and momentum; RJF keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +5
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 3 active signals are unchanged.
OZK's lead narrowed by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — OZK and RJF both carry a full feed there.
The central trade-off
OZK (Bank OZK): the stronger current systematic profile, led by value and momentum.
RJF (Raymond James Financial, Inc.): the counter-case, on quality, fundamentals, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
OZKOZK on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
RJFRJF on combined revenue and EPS growth.
Value
OZKOZK on the peer-relative Value factor, by 13 points.
Momentum
OZKOZK on the Momentum factor, by 7 points.
Lower downside
OZKOZK on Risk Resilience, by 6 points.
Analyst upside
RJFRJF on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors OZK, analyst targets favor RJF. That disagreement is the most useful thing on this page.
| Measure | OZK | RJF | Note |
|---|---|---|---|
| Implied upside to target | +14.4% | +15.7% | RJF has more room |
| Target dispersion | +18.2% | +27.8% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 3 | 4 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | OZK | RJF |
|---|---|---|
| 5Y dividend CAGR | 10.06% | 22.00% |
| 2020 regular DPS | $1.078 | $0.740 |
| 2025 regular DPS | $1.740 | $2.000 |
| Years increased | 5 | 3 |
| No cut in window | Yes | No (2) |
| Cohort rank | #100 | not ranked |
RJF grew its split-adjusted regular dividend faster over 2020–2025 — 22.00% a year against OZK's 10.06%. OZK never reduced its regular dividend in the window; RJF did in 2 years. They are ranked in different cohorts — US dividend-paying corporations and variable-dividend payers — so their ranks are not comparable with each other.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor OZK. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | OZK | 60 vs 56 |
| Fundamentals | RJFon balance | revenue growth 1.7% vs 2.3%; EPS growth 3.5% vs 10.9%; TTM ROE 11.2% vs 18.3%; gross margin 56% vs 83.5%; operating margin 32.3% vs 17.4% — RJF takes 4 of 5 decided legs, not all of them |
| Valuation | OZK | Value 64 vs 51 |
| Technicals | OZK | Price vs 50-day 0.2% vs -7.3%; vs 200-day -4.6% vs -3.3% |
| Risk Resilience | OZK | Risk Resilience 71 vs 65 |
| Analyst expectations | RJF | Target upside 14.4% vs 15.7% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of OZK and RJF and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 4 points. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
- Signal direction runs against the verdict: the leader is net-bearish while the laggard is net-bullish. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on OZK.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20OZK lead: Stable — the AIQ differential has held near 4 points over 30 sessions.
- Today
- OZK +4
- 60 vs 56
- 7 sessions ago
- OZK +3
- 59 vs 56
- 30 sessions ago
- OZK +5
- 57 vs 52
- 90 sessions ago
- OZK +2
- 65 vs 63
The lead changed hands 9 times in this window, most recently on Sep 2 when RJF moved ahead of OZK.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 2 bearish / 1 neutral, conflicted
Only OZK
- Death Cross Active — bearish, trend, long horizon (0.80%)
- Downtrend Structure Active — bearish, trend, long horizon
2 bullish / 0 bearish / 1 neutral
Only RJF
- Golden Cross Active — bullish, trend, long horizon (4.62%)
Both carry 2 more signals that do not separate them: Bollinger Band Squeeze, MACD Bullish Crossover.
OZK leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +4.18%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.27%, AIQ +3 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1RJF closes the Value gap — currently 13 points behind, the largest single contributor to OZK's edge.
- 2RJF's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3OZK's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
RJF leads on balance| Metric | OZK | RJF |
|---|---|---|
| Revenue growth (YoY) | 1.7% | 2.3% |
| EPS growth (YoY) | 3.5% | 10.9% |
| Gross margin | 56% | 83.5% |
| Operating margin | 32.3% | 17.4% |
| Return on equity (TTM) | 11.2% | 18.3% |
| Debt to equity | 0.11 | 0.42 |
Performance
OZK leads 4 of 6 windows| Metric | OZK | RJF |
|---|---|---|
| 1 week (5 sessions) | 2.4% | -1% |
| 1 month (20 sessions) | -1.8% | -2.6% |
| 3 months (63 sessions) | -9.4% | -7.6% |
| 6 months (126 sessions) | -4.9% | 0.5% |
| Year to date | 0.3% | -3.3% |
| 1 year (252 sessions) | -1.8% | -3.1% |
Technicals
OZK has the stronger structure| Metric | OZK | RJF |
|---|---|---|
| RSI (14) | 51 | 43 |
| ADX (14) | 29.4 | 38.6 |
| Price vs 50-day | 0.2% | -7.3% |
| Price vs 200-day | -4.6% | -3.3% |
| Volatility (1M, annualized) | 28.1% | 16.9% |
Risk
OZK is the more resilient| Metric | OZK | RJF |
|---|---|---|
| Beta | 0.54 | 0.72 |
| Sharpe ratio | -0.04 | -0.19 |
| Sortino ratio | -0.05 | -0.25 |
| Max drawdown | -17.9% | -18.9% |
| Current drawdown | -13.1% | -14.3% |
| Annualized volatility | 23.1% | 24.9% |
| Value at risk (95%) | -2.4% | -2.6% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, OZK or RJF?
On the Algovestiq AIQ Score, OZK is the stronger of the two as of Oct 21, 2026, scoring 60 against RJF's 56. The edge comes from value and momentum. RJF is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is OZK or RJF the better buy right now?
OZK carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 4 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 4 points. Treat the lead as provisional.
Why does the AIQ Score favor OZK over RJF?
The composite weights Quality, Value, Momentum and Risk Resilience. OZK leads Value by 13 points; RJF leads Quality by 7 points; OZK leads Momentum by 7 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, OZK or RJF?
Analyst price targets imply +14.4% upside for OZK and +15.7% for RJF, so the Street currently favors RJF. That points the opposite way to the AIQ Score, which favors OZK. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, OZK or RJF?
OZK is the better-valued of the two on the peer-relative Value factor. OZK on the peer-relative Value factor, by 13 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, OZK or RJF?
RJF on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, OZK or RJF?
OZK on the Momentum factor, by 7 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, OZK or RJF?
OZK is the more resilient of the two, so the other name carries the higher downside risk. OZK on Risk Resilience, by 6 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is OZK more profitable than RJF?
The profitability evidence is mixed: gross margin 56% vs 83.5%; operating margin 32.3% vs 17.4%; ttm roe 11.2% vs 18.3%. OZK leads on one measure and RJF on two measures, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is OZK's lead over RJF getting stronger or weaker?
OZK lead: Stable — the AIQ differential has held near 4 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 9 times in that window, most recently on 2026-09-02, when RJF moved ahead of OZK.
What would change the OZK vs RJF verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: RJF closes the Value gap — currently 13 points behind, the largest single contributor to OZK's edge; RJF's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; OZK's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about OZK and RJF?
OZK: 1 bullish / 2 bearish / 1 neutral, conflicted. RJF: 2 bullish / 0 bearish / 1 neutral. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on OZK is Death Cross Active (bearish, long horizon). On RJF it is Golden Cross Active (bullish, long horizon).
Compare OZK and RJF with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.