Bank OZK (OZK) to Announce Q4 Earnings on January 20, EPS Estimate at $1.55

Written by Emily J. Thompson, Senior Investment Analyst

OZK+0.09%

Source: seekingalpha

Updated: Jan 19 2026

0mins

Source: seekingalpha

Earnings Announcement Schedule: Bank OZK is set to release its Q4 earnings on January 20 after market close, with a consensus EPS estimate of $1.55, reflecting a slight year-over-year decline of 0.6%, indicating potential challenges in profitability.
Revenue Expectations: The anticipated revenue for Q4 is $434.35 million, representing a 5.3% year-over-year increase, which, while modest, demonstrates the company's resilience in revenue growth and may help stabilize investor confidence.
Historical Performance: Over the past two years, OZK has beaten EPS and revenue estimates 88% of the time, showcasing strong financial stability that could attract more investor interest.
Estimate Revision Trends: In the last three months, EPS estimates saw one upward revision and nine downward revisions, while revenue estimates experienced no upward revisions and seven downward revisions, suggesting a cautious market outlook on the company's future performance.

Discover Tomorrow's Bullish Stocks Today

Receive free daily stock recommendations and professional analysis to optimize your portfolio's potential.

Sign up now to unlock expert insights and stay one step ahead of the market trends.

OZK

$46.84+Infinity%1D

Analyst Views on OZK

Wall Street analysts forecast OZK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OZK is 53.00 USD with a low forecast of 40.00 USD and a high forecast of 67.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

8 Analyst Rating

2 Buy

5 Hold

1 Sell

Hold

Current: 46.800

Low

40.00

Averages

53.00

High

67.00

Current: 46.800

Low

40.00

Averages

53.00

High

67.00

Morgan Stanley

Manan Gosalia

Equal Weight

downgrade

$59 -> $57

2026-01-22

Reason

Morgan Stanley

Manan Gosalia

Price Target

$59 -> $57

AI Analysis

2026-01-22

downgrade

Equal Weight

Reason

Morgan Stanley analyst Manan Gosalia lowered the firm's price target on Bank OZK to $57 from $59 and keeps an Equal Weight rating on the shares. Q4 EPS of $1.53 slightly missed the consensus estimate as better net interest income was more than offset by higher provision, notes the analyst, who decreased the firm's 2026 and 2027 EPS estimates 2% and 3%, respectively, on higher provision estimates.

Stephens

Overweight

downgrade

$64 -> $62

2026-01-22

Reason

Stephens

Price Target

$64 -> $62

2026-01-22

downgrade

Overweight

Reason

Stephens lowered the firm's price target on Bank OZK to $62 from $64 and keeps an Overweight rating on the shares following earnings. The firm continues to believe there is "limited stock downside" and anticipates improving sentiment as investors focus on 2027, which is expected to deliver low double-digit loan growth, the analyst noted.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for OZK

Unlock Now

About OZK

Bank OZK (the Bank) is a regional bank, which provides a range of financial solutions. The Bank offers a range of products, include mobile and online banking, personal checking, personal savings, debit cards, credit card account access, business checking, business aviation group, trust services, and wealth. Its personal banking includes checkings, savings, loans, home lending, and credit cards. Its business banking includes checkings, savings, loans, treasury management, merchant services, and specialties. Its online banking enables users to manage their accounts, pay bills, transfer funds, view electronic account statements, and others. Its wealth services provide investment management services, custodial bank, retirement planning, employee benefit plans and endowments, foundations, and charitable contributions. It conducts banking operations in over 260 offices in nine states including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California and Mississippi.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.