Bank OZK (NASDAQ:OZK) Announces Earnings Results

Bank OZK (NASDAQ:OZK) announced its earnings results on Tuesday. The company reported $1.53 earnings per share for the quarter, missing the consensus estimate of $1.56 by ($0.03), Zacks reports. Bank OZK had a net margin of 25.50% and a return on equity of 12.75%. The firm had revenue of $436.29 million during the quarter, compared to analysts’ expectations of $434.68 million. During the same period in the prior year, the company posted $1.56 EPS.

Bank OZK Stock Up 0.1%

Shares of NASDAQ:OZK opened at $47.83 on Thursday. The business’s 50 day moving average is $46.74 and its 200 day moving average is $48.76. The stock has a market cap of $5.35 billion, a P/E ratio of 7.75 and a beta of 0.90. Bank OZK has a 52-week low of $35.71 and a 52-week high of $53.66. The company has a quick ratio of 1.03, a current ratio of 1.03 and a debt-to-equity ratio of 0.13.

Bank OZK Increases Dividend

The company also recently declared a quarterly dividend, which was paid on Tuesday, January 20th. Investors of record on Tuesday, January 13th were issued a $0.46 dividend. The ex-dividend date was Tuesday, January 13th. This is a positive change from Bank OZK’s previous quarterly dividend of $0.45. This represents a $1.84 dividend on an annualized basis and a dividend yield of 3.8%. Bank OZK’s dividend payout ratio (DPR) is presently 29.82%.

Wall Street Analysts Forecast Growth

OZK has been the topic of a number of recent analyst reports. Weiss Ratings reissued a “buy (b-)” rating on shares of Bank OZK in a research report on Thursday, October 30th. UBS Group restated a “neutral” rating and set a $51.00 target price on shares of Bank OZK in a research report on Tuesday, January 6th. Zacks Research upgraded Bank OZK from a “strong sell” rating to a “hold” rating in a report on Wednesday, January 7th. Keefe, Bruyette & Woods decreased their price target on Bank OZK from $53.00 to $50.00 and set a “market perform” rating for the company in a research note on Monday, October 20th. Finally, Wells Fargo & Company boosted their price objective on Bank OZK from $49.00 to $50.00 and gave the company an “equal weight” rating in a report on Monday, September 29th. Five investment analysts have rated the stock with a Buy rating, five have issued a Hold rating and one has given a Sell rating to the company. According to data from MarketBeat.com, the company presently has an average rating of “Hold” and an average price target of $57.78.

Hedge Funds Weigh In On Bank OZK

A number of hedge funds and other institutional investors have recently made changes to their positions in the company. Wasatch Advisors LP raised its holdings in shares of Bank OZK by 34.9% in the third quarter. Wasatch Advisors LP now owns 7,437,646 shares of the company’s stock valued at $379,171,000 after acquiring an additional 1,924,387 shares in the last quarter. Fairholme Capital Management LLC increased its position in Bank OZK by 45.1% during the 2nd quarter. Fairholme Capital Management LLC now owns 916,752 shares of the company’s stock valued at $43,142,000 after purchasing an additional 285,150 shares during the period. Balyasny Asset Management L.P. raised its holdings in shares of Bank OZK by 36.7% in the 2nd quarter. Balyasny Asset Management L.P. now owns 793,797 shares of the company’s stock valued at $37,356,000 after purchasing an additional 213,101 shares in the last quarter. Bank of America Corp DE lifted its position in shares of Bank OZK by 23.2% in the 3rd quarter. Bank of America Corp DE now owns 684,876 shares of the company’s stock worth $34,915,000 after purchasing an additional 129,181 shares during the period. Finally, Sei Investments Co. lifted its position in shares of Bank OZK by 27.9% in the 3rd quarter. Sei Investments Co. now owns 590,617 shares of the company’s stock worth $30,110,000 after purchasing an additional 128,984 shares during the period. Institutional investors own 86.18% of the company’s stock.

Bank OZK News Roundup

Here are the key news stories impacting Bank OZK this week:

• Positive Sentiment: Full-year results show strength: 2025 diluted EPS were a record $6.18 and full-year revenue rose ~4.2%, supporting the bank’s longer-term profitability narrative. Bank OZK Announces Fourth Quarter and Full Year 2025 Earnings
• Positive Sentiment: Analyst commentary highlights improving business diversification that could support multiple expansion over time, giving investors a valuation upside thesis despite near-term headwinds. Bank OZK: Improving Diversification Paves The Way For Multiple Expansion
• Neutral Sentiment: Top-line slightly beat expectations — Q4 revenue of $436.3M vs. consensus ~$434.7M — which offsets some concerns but did not prevent the EPS miss. Bank OZK: Q4 Earnings Snapshot
• Neutral Sentiment: Management is publicly downplaying a recent spike in charge-offs, calling it “no cause for alarm,” which may calm short-term investor fear but leaves credit risk watchful. Bank OZK says spike in chargeoffs is no cause for alarm
• Negative Sentiment: Q4 EPS missed estimates ($1.53 vs. $1.56), and investors reacted to rising credit-loss provisions and higher operating expenses; this combination pressured shares after the print. Bank OZK Shares Fall as Q4 Earnings Miss Estimates, Provisions Rise
• Negative Sentiment: Earnings-call commentary and transcripts highlight credit headwinds and the need to optimize reserve and provision levels, keeping near-term credit risk and profitability under scrutiny. Bank OZK (OZK) Q4 2025 Earnings Call Highlights: Navigating Credit Challenges and Optimizing …

Bank OZK Company Profile

Bank OZK, formerly known as Bank of the Ozarks, is a regional commercial bank headquartered in Little Rock, Arkansas. Established in 1903, the bank offers a full suite of banking products and services to both individual and corporate clients. Through a combination of organic growth and targeted acquisitions, Bank OZK has built a diversified lending portfolio and a strong deposit franchise.

The bank’s core operations focus on commercial real estate lending, including acquisition, development and construction financing.