Is Bank OZK OZK stock halal to invest in?

No, as of August 2026, Bank OZK stock (OZK) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Bank OZK currently does not meet the threshold for the non-permissible income and interest-bearing investments screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Bank OZK and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Bank OZK OZK reviewed for Shariah compliance?

Tabadulat reviews Bank OZK OZK for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Bank OZK reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Bank OZK OZK pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Bank OZK stock (OZK) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Bank OZK's income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Bank OZK OZK pass the AAOIFI Interest Bearing Investments criteria?

No, as of August 2026, Bank OZK stock (OZK) does not pass the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. Bank OZK's interest-bearing investments currently exceed this 30% limit, meaning too large a share of the company's value derives from riba-based instruments for the stock to qualify as halal on this criterion. The ratio moves with both the balance sheet and the share price, and is reassessed monthly.

Does Bank OZK OZK pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, Bank OZK stock (OZK) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. Bank OZK's interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for Bank OZK OZK stock?

Bank OZK (OZK) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Bank OZK returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Bank OZK OZK pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Bank OZK stock (OZK) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Bank OZK has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

Invest Halal, Anytime, Anywhere

Download the Tabadulat app and start building your Shariah-compliant portfolio in minutes.

English

العربية

Bank OZK

NASDAQ

Shariah-Compliant

Not Shariah

OZK

About

Bank OZK

OZK

Bank OZK is a prominent regional bank that provides a comprehensive suite of financial services to individual and business clients across the United States. Established in 1903, the institution operates over 240 offices in key states including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California, and Mississippi. Its primary functions encompass personal and commercial banking, mortgage lending, investment accounts, and a variety of loan products designed to support both day-to-day financial needs and long-term growth objectives. With total assets reaching $39.2 billion as of March 2025, Bank OZK plays a significant role among mid-sized American banks. The company is known for its robust deposit base and expanding loan portfolio, which together drive core revenue and help it navigate complex economic landscapes. Bank OZK's proactive management approach and veteran leadership team are focused on maintaining stability, managing risk, and capitalizing on new opportunities in a competitive sector. Its shares are held by a diverse group of institutional investors, reflecting its status as a trusted and established player in the regional banking market.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

3028

Website:

https://www.ozk.com

OZK

Frequently asked questions

Related stocks

Mobile login screen for Tabadulat with fields to enter email, a Continue button, an option to create an account, and a language selector showing EN.

Step 1

Open your account.

Create your Tabadulat account in minutes: enter your details, complete identity verification, and add funds by secure transfer in multiple currencies. You're ready to start investing in halal stocks the same day.

Mobile screen showing add money interface with 100 AED amount and Manual Bank Transfer payment method selected, noting 1-2 business days processing.

Step 2

Deposit.

Add funds to your account using a secure payment method. You can deposit in multiple currencies to get started.

Step 3

Screen.

Screen Stocks for Free and explore a wide range of stocks that are ethically screened for Shariah compliance. Use our Halal Stock Screener to find the best opportunities.

Bank OZK

About

Bank OZK

OZK

Frequently asked questions

Is Bank OZK OZK stock halal to invest in?

How often is Bank OZK OZK reviewed for Shariah compliance?

Does Bank OZK OZK pass the AAOIFI Non Permissible Income criteria?

Does Bank OZK OZK pass the AAOIFI Interest Bearing Investments criteria?

Does Bank OZK OZK pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Bank OZK OZK stock?

Does Bank OZK OZK pass the AAOIFI Preference Share screen?

Can I buy Bank OZK (OZK) stock on Tabadulat?

Open your account.

Deposit.

Screen.