Bank OZK Reports Q4 EPS of $1.53, Revenue Up 6.9% Year-over-Year
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Should l Buy OZK?
Source: seekingalpha
- Earnings Performance: Bank OZK's Q4 GAAP EPS of $1.53 misses expectations by $0.05, indicating pressure on profitability that may affect investor confidence.
- Revenue Growth: The quarter's revenue reached $440.65 million, up 6.9% year-over-year, exceeding market expectations by $6.3 million, demonstrating the company's resilience in revenue generation.
- Market Concerns: Despite the strong revenue performance, the company is still held back by familiar concerns, which could impact its future stock performance and investor sentiment.
- Future Outlook: The market's focus on Bank OZK's Q4 2025 earnings preview raises interest, with analyst ratings and historical financial data becoming crucial references for investor decision-making.
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Analyst Views on OZK
Wall Street analysts forecast OZK stock price to rise
8 Analyst Rating
2 Buy
5 Hold
1 Sell
Hold
Current: 48.730
Low
40.00
Averages
53.00
High
67.00
Current: 48.730
Low
40.00
Averages
53.00
High
67.00
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.
Bank OZK to Announce Q1 Earnings on April 21
- Earnings Announcement: Bank OZK is set to release its Q1 2023 earnings on April 21 after market close, with consensus EPS estimated at $1.43, reflecting a 2.7% year-over-year decline, while revenue is projected at $422.5 million, indicating a 3.2% year-over-year increase, which could significantly influence investor sentiment regarding the company's future performance.
- Historical Performance: Over the past two years, Bank OZK has exceeded EPS and revenue estimates 88% of the time, demonstrating a strong track record of profitability and revenue growth that may attract more investor interest in its stock.
- Estimate Revision Trends: In the last three months, EPS estimates have seen two upward revisions and seven downward revisions, while revenue estimates have experienced three upward and three downward adjustments, indicating market uncertainty regarding the company's future performance, prompting investors to closely monitor the market reaction post-earnings release.
- Analyst Rating Insights: Despite facing challenges, analysts maintain a “BUY” rating on Bank OZK, suggesting that its potential within the regional banking undervaluation remains underappreciated, indicating ongoing confidence in its long-term growth prospects.
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- Project Scale: The Roz represents a total investment of $24.3 million, developed by Austin Housing Finance Corp. and SGI Ventures, serving residents earning between 30% and 60% of the area median income, addressing the urgent need for affordable housing.
- Community Impact: This four-story apartment complex not only offers housing but also includes on-site case management services, designed to assist individuals transitioning out of homelessness, highlighting the importance of combining housing with support services for long-term success.
- Strategic Collaboration: Bank OZK executives emphasized their partnership with Austin Housing Finance Corp. and FHLB Dallas, showcasing how thoughtful investment in affordable housing can create lasting stability for the homeless and advance housing solutions in Texas communities.
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Hodges Capital Increases Stake in Bank OZK
- Share Acquisition: On February 11, Hodges Capital Management disclosed the purchase of 228,146 shares of Bank OZK, valued at approximately $10.67 million, indicating confidence in the bank's future performance.
- Position Value Increase: By quarter-end, Hodges' total position in Bank OZK increased by $9.97 million, demonstrating a successful investment strategy aligned with market performance.
- Financial Performance Review: Bank OZK reported a fourth-quarter net income of $171.9 million, down 3.5% year-over-year, yet full-year earnings remained stable, with loans and deposits growing by 7.8% and 7.5%, respectively, highlighting a solid business foundation.
- Long-term Investment Outlook: Despite short-term stock fluctuations, Hodges Capital's increased stake suggests optimism about Bank OZK's potential in commercial real estate and regional growth, prompting long-term investors to monitor credit quality and loan mix changes.
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Bank OZK (OZK) Q4 2025 Earnings Call Transcript
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Bank OZK to Announce Q1 Earnings on April 21
- Earnings Announcement: Bank OZK is set to release its Q1 2023 earnings on April 21 after market close, with consensus EPS estimated at $1.43, reflecting a 2.7% year-over-year decline, while revenue is projected at $422.5 million, indicating a 3.2% year-over-year increase, which could significantly influence investor sentiment regarding the company's future performance.
- Historical Performance: Over the past two years, Bank OZK has exceeded EPS and revenue estimates 88% of the time, demonstrating a strong track record of profitability and revenue growth that may attract more investor interest in its stock.
- Estimate Revision Trends: In the last three months, EPS estimates have seen two upward revisions and seven downward revisions, while revenue estimates have experienced three upward and three downward adjustments, indicating market uncertainty regarding the company's future performance, prompting investors to closely monitor the market reaction post-earnings release.
- Analyst Rating Insights: Despite facing challenges, analysts maintain a “BUY” rating on Bank OZK, suggesting that its potential within the regional banking undervaluation remains underappreciated, indicating ongoing confidence in its long-term growth prospects.
See More
Austin Opens 100-Unit Affordable Housing Community
- Funding Support: The Federal Home Loan Bank of Dallas provided a $2 million grant through member Bank OZK to support the opening of The Roz, a 100-unit affordable housing community in Austin aimed at providing stability for the homeless.
- Project Scale: The Roz represents a total investment of $24.3 million, developed by Austin Housing Finance Corp. and SGI Ventures, serving residents earning between 30% and 60% of the area median income, addressing the urgent need for affordable housing.
- Community Impact: This four-story apartment complex not only offers housing but also includes on-site case management services, designed to assist individuals transitioning out of homelessness, highlighting the importance of combining housing with support services for long-term success.
- Strategic Collaboration: Bank OZK executives emphasized their partnership with Austin Housing Finance Corp. and FHLB Dallas, showcasing how thoughtful investment in affordable housing can create lasting stability for the homeless and advance housing solutions in Texas communities.
See More
Analysis of KRE Stock's 52-Week Highs and Lows
- Price Fluctuation Analysis: KRE's stock has a 52-week low of $47.22 and a high of $74.08, with the latest trade at $66.68, indicating significant price movement within this range, reflecting market interest and investor sentiment changes.
- Technical Analysis Tool: Comparing the recent stock price to the 200-day moving average provides valuable insights for investors, helping them assess market trends and potential buy or sell opportunities, thereby optimizing investment decisions.
- ETF Trading Mechanism: Exchange-traded funds (ETFs) trade like stocks, where investors buy and sell 'units' that can be created or destroyed based on demand, impacting the liquidity and market performance of the ETF.
- Liquidity Monitoring: Weekly monitoring of changes in shares outstanding for ETFs highlights those experiencing notable inflows or outflows, where inflows necessitate purchasing underlying assets, while outflows involve selling them, potentially affecting individual components within the ETF.
See More
Trane Technologies Declares Quarterly Dividend of $1.05
- Trane Technologies Dividend: Trane Technologies declared a quarterly dividend of $1.05 per share, annualizing to $4.20, payable on June 30, 2026, reflecting the company's commitment to shareholder returns since 1919, thereby boosting investor confidence.
- PNC Financial Services Dividend: PNC Financial Services Group announced a quarterly cash dividend of $1.70 per share, payable on May 5, 2026, indicating the company's stable profitability and commitment to returning value to shareholders.
- Bank OZK Dividend Increase: Bank OZK declared a quarterly cash dividend of $0.47 per share, up $0.01 or 2.17% from the previous quarter, demonstrating the company's strong track record of increasing dividends for 63 consecutive quarters, which enhances market confidence in its financial health.
- CSW Industrials Dividend Boost: CSW Industrials announced a quarterly cash dividend of $0.30 per share, representing an increase of $0.03 or approximately 11% from the prior quarter, payable on May 8, 2026, indicating the company's commitment to enhancing shareholder returns based on sustained profitability.
See More
Hodges Capital Increases Stake in Bank OZK
- Share Acquisition: On February 11, Hodges Capital Management disclosed the purchase of 228,146 shares of Bank OZK, valued at approximately $10.67 million, indicating confidence in the bank's future performance.
- Position Value Increase: By quarter-end, Hodges' total position in Bank OZK increased by $9.97 million, demonstrating a successful investment strategy aligned with market performance.
- Financial Performance Review: Bank OZK reported a fourth-quarter net income of $171.9 million, down 3.5% year-over-year, yet full-year earnings remained stable, with loans and deposits growing by 7.8% and 7.5%, respectively, highlighting a solid business foundation.
- Long-term Investment Outlook: Despite short-term stock fluctuations, Hodges Capital's increased stake suggests optimism about Bank OZK's potential in commercial real estate and regional growth, prompting long-term investors to monitor credit quality and loan mix changes.
See More
Bank OZK (OZK) Q4 2025 Earnings Call Transcript
See More
