OZK
Bank OZK·NASDAQ
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OZK fundamentals
Bank OZK (OZK) released its earnings on Jan 20, 2026: revenue was 436.29M (YoY +5.81%), beat estimates; EPS was 1.53 (YoY -1.92%), missed estimates.
Revenue / YoY
436.29M
+5.81%
EPS / YoY
1.53
-1.92%
Report date
Jan 20, 2026
OZK Earnings Call Summary for Q4,2025
- CRE Cycle Near Resolution: 2026 expected to mirror 2024-2025, with 2027 showing improvement. ACL at $632M absorbs risks, with ~95% of RESG loans supported by sponsors.
- Fee Income Growth Accelerating: CIB initiatives (hedging, syndications) and mortgage lending to drive incremental 2026 growth, with 2027 impact from wealth and private banking.
- Asset Resolution Progress: 3 of 4 nonaccrual assets resolved in 2025. Boston property and San Diego life sciences projects show dual-track resolution and sponsor commitment.
- Margin Resilience: Q4 margin held despite rate cuts; buyback activity supports shareholder returns with $100M remaining authorization.
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Key Indicators
Bank OZK (OZK) key financial stats and ratios, covering profitability, financial health, and leverage.
Bank OZK (OZK)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Bank OZK (OZK)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Bank OZK (OZK)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Bank OZK (OZK) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Bank OZK (OZK) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did Bank OZK's management provide for the next earnings period?What were the key takeaways from Bank OZK's earnings call?What is the market's earnings forecast for Bank OZK next quarter?What does Bank OZK do and what are its main business segments?What is the revenue and EPS growth rate for Bank OZK year over year?What were the key takeaways from Bank OZK’s earnings call?Did Bank OZK beat or miss consensus estimates last quarter?What factors drove the changes in Bank OZK's revenue and profit?
