Bank OZK (NASDAQ:OZK) Releases Earnings Results, Beats Expectations By $0.07 EPS

Bank OZK (NASDAQ:OZK) announced its quarterly earnings results on Tuesday. The company reported $1.50 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $1.43 by $0.07, Zacks reports. Bank OZK had a return on equity of 11.54% and a net margin of 24.70%. The firm had revenue of $391.48 million during the quarter, compared to analyst estimates of $434.83 million. During the same quarter in the previous year, the business earned $1.59 earnings per share.

Bank OZK Stock Up 4.2%

OZK opened at $48.09 on Thursday. Bank OZK has a fifty-two week low of $42.37 and a fifty-two week high of $53.39. The company has a debt-to-equity ratio of 0.08, a quick ratio of 0.97 and a current ratio of 0.97. The company has a fifty day moving average of $47.88 and a two-hundred day moving average of $48.95. The stock has a market capitalization of $5.38 billion, a price-to-earnings ratio of 7.74 and a beta of 0.92.

Bank OZK Increases Dividend

The business also recently announced a quarterly dividend, which was paid on Tuesday, October 20th. Investors of record on Tuesday, October 13th were issued a dividend of $0.49 per share. This represents a $1.96 annualized dividend and a yield of 4.1%. This is a positive change from Bank OZK’s previous quarterly dividend of $0.48. The ex-dividend date of this dividend was Tuesday, October 13th. Bank OZK’s dividend payout ratio is 32.40%.

Bank OZK News Roundup

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

• Positive Sentiment: Bank OZK reported third-quarter diluted EPS of $1.50, exceeding analysts’ consensus estimates of approximately $1.43–$1.45. Earnings also edged up from $1.49 in the second quarter, supporting the positive market reaction. Bank OZK releases third quarter earnings, beats analysts’ estimates
• Positive Sentiment: Net income available to common shareholders rose modestly from the prior quarter to $164.3 million, while management discussed the third-quarter performance and outlook during the earnings call. Bank OZK Q3 2026 earnings call transcript
• Neutral Sentiment: The bank’s profitability remained solid, with a reported net margin of roughly 25% and return on equity near 12%. However, investors will likely monitor credit trends and loan performance closely given the bank’s concentration in commercial real estate lending.
• Negative Sentiment: Third-quarter net income declined 9.0% year over year to $164.3 million, and EPS fell 5.7% from $1.59. Net income for the first nine months of 2026 was down 7.7% from the same period in 2025. Bank OZK Announces Third Quarter 2026 Earnings
• Negative Sentiment: Revenue of $391.48 million was below analysts’ expectations of approximately $434.83 million. Reports also highlighted higher costs and losses tied to real estate, which may reinforce concerns about asset quality and future provisions. Bank OZK’s Q3 Profit Falls as Real Estate Troubles Drive Costs Higher

Wall Street Analyst Weigh In

Several analysts have commented on OZK shares. Wall Street Zen raised shares of Bank OZK from a “sell” rating to a “hold” rating in a research report on Sunday, September 27th. Raymond James Financial started coverage on shares of Bank OZK in a report on Tuesday, September 1st. They issued a “market perform” rating on the stock. Wells Fargo & Company cut their price objective on shares of Bank OZK from $56.00 to $51.00 and set an “equal weight” rating on the stock in a research report on Tuesday, September 29th. Morgan Stanley lifted their price objective on shares of Bank OZK from $56.00 to $57.00 and gave the stock an “underweight” rating in a research report on Monday, September 28th. Finally, Citigroup reiterated a “sell” rating on shares of Bank OZK in a research note on Tuesday, October 6th. Three investment analysts have rated the stock with a Buy rating, five have given a Hold rating and two have given a Sell rating to the stock. According to data from MarketBeat, the company has an average rating of “Hold” and an average price target of $55.33.

Bank OZK announced that its Board of Directors has approved a share repurchase program on Monday, June 29th that permits the company to buy back $200.00 million in outstanding shares. This buyback authorization permits the company to purchase up to 3.4% of its stock through open market purchases. Share buyback programs are usually a sign that the company’s board believes its shares are undervalued.

Bank OZK Company Profile

Bank OZK (NASDAQ:OZK) is a regional financial institution headquartered in Little Rock, Arkansas. The company provides banking services to individuals, businesses and institutions, including deposit accounts, commercial and consumer loans, mortgage lending, treasury management and online and mobile banking.

Bank OZK also operates specialized lending businesses, including its Real Estate Specialties Group, which provides financing for commercial real estate development and other complex real estate projects.