stocks logo

OZK Earnings

Bank Ozk
$
47.840
-0.15(-0.313%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

Earning Analysis

Welcome to our in-depth analysis of Bank Ozk(OZK) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Bank Ozk earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.

Earnings Forecast

Revenue
EPS
Currency: USD
Actual
Estimate

Surprise Analysis

Name
EPS
Revenue
Price Reaction
Fiscal QuarterEarning DateTimeEstimateActualSurprise%EstimateActualSurprise%1D5D
FY2025Q22025-07-17After Hours1.511.58+4.64423.25M428.04M+1.13+0.10+1.35
FY2025Q12025-04-16After Hours1.421.47+3.52402.81M409.23M+1.59+5.82+6.61
FY2024Q42025-01-16After Hours1.451.56+7.59407.19M412.34M+1.26+9.70+12.33
FY2024Q32024-10-17After Hours1.531.55+1.31423.12M423.00M-0.03-4.47-5.07
FY2024Q22024-07-17-1.511.52+0.66414.40M416.78M+0.57+0.86-0.28
FY2024Q12024-04-17-1.441.51+4.86396.81M406.02M+2.32+0.10+10.29
FY2023Q42024-01-18-1.461.50+2.74396.54M407.58M+2.78+0.70+7.08
FY2023Q32023-10-19-1.441.49+3.47390.58M392.99M+0.62-1.31-1.31
-2023-07-20-1.481.47-0.68----0.31-0.54
-2023-04-20-1.431.41-1.40----0.94-9.22

OZK Earnings Analysis

Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Bank Ozk reported performance for FY2025Q2, announced on 2025-07-17. The company achieved an EPS of 1.58, compared to analyst estimates of 1.51 by 4.64% . Revenue for the quarter reached 428.04M compared to expectations of 423.25M by 1.13% .
The stock price reacted with a 0.10% one-day change and a 1.35% five-day change following the earnings release. These movements reflect market reaction in Bank Ozk growth trajectory and strategic initiatives.

OZK Earnings Forecast

Looking ahead, Bank Ozk(OZK) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q3 project quarter revenue of 446.83M and an EPS of 1.65.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 2.51%, while EPS estimates have been Revise Upward by 4.74%. For the upcoming Q3 2025, revenue estimates have been adjusted Revise Upward by 2.68% . These revisions correlate with a 3.30% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Bank Ozk long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.

Estimate Revision

The chart shows the correlation between OZK's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
up Image
+2.51%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+4.74%
In Past 3 Month
Revenue Estimates for Q3 2025
Revise Upward
up Image
+2.68%
In Past 3 Month
Stock Price
Go Up
up Image
+3.30%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
--
Revenue Estimate-Annual FY 2025:1.74B
--
EPS Estimate-Annual FY 2025:6.36
Stock Price47.84

OZK Revenue and EPS Performance: A Historical Perspective

Bank Ozk revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q2 (2025-07-17,After Hours):
EPS: 1.58 (Actual) vs.1.51 (Estimate) (4.64%)
Revenue: 428.04M (Actual) vs. 423.25M (Estimate) (1.13%)
Price Reaction: 0.10%(1-Day), 1.35%(5-Day)
FY2025Q1 (2025-04-16,After Hours):
EPS: 1.47 (Actual) vs.1.42 (Estimate) (3.52%)
Revenue: 409.23M (Actual) vs. 402.81M (Estimate) (1.59%)
Price Reaction: 5.82%(1-Day), 6.61%(5-Day)
FY2024Q4 (2025-01-16,After Hours):
EPS: 1.56 (Actual) vs.1.45 (Estimate) (7.59%)
Revenue: 412.34M (Actual) vs. 407.19M (Estimate) (1.26%)
Price Reaction: 9.70%(1-Day), 12.33%(5-Day)
Earnings Reaction
The chart below shows how OZK performed 10 days before and after its earnings report, based on data from the past quarters. Typically, OZK sees a -2.33% change in stock price 10 days leading up to the earnings, and a +0.44% change 10 days following the report. On the earnings day itself, the stock moves by +0.35%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in JUN/2025, the stock changed 0.10% on the day following the earnings release and then changed by -5.03% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.

Transcript Summary

Bank Ozk (OZK) Q2 2025 Earnings Call Summary
Positive
2025-07-18
The earnings call shows a stable financial performance with positive revenue expectations and stable margins. The Q&A indicates strong loan growth guidance and strategic hires, despite some uncertainties in specific sectors like RESG. The company's strategic focus on organic growth and cautious approach to M&A adds confidence. The market cap suggests moderate volatility, and the positive outlook on deposits and fee income from CIB supports a positive sentiment.
Bank Ozk (OZK) Q1 2025 Earnings Call Summary
Positive
2025-04-18
The earnings call reveals strong financial performance with increased revenue, net income, and EPS. The share repurchase program and stable margins further support a positive outlook. Despite some regulatory and economic risks, the bank's strategic initiatives and improved loan growth are promising. The Q&A section shows cautious optimism, with management addressing uncertainties and maintaining confidence in future growth. Overall, the combination of robust financials and strategic plans outweighs potential risks, suggesting a positive stock price movement.
Bank Ozk (OZK) Q1 2025 Earnings Call Summary
Neutral
2025-04-17
The earnings call presented strong financial metrics, with revenue and profitability increasing year-over-year. However, the guidance was unclear, and management avoided providing specifics on future expectations. The Q&A revealed some uncertainties, particularly around customer demand and macroeconomic impacts. Despite positive financials, the lack of clear guidance and potential risks from economic and regulatory issues temper the outlook. Given the bank's market cap, the stock is likely to have a neutral reaction, with minimal movement in the short term.
Bank Ozk (OZK) Q1 2025 Earnings Call Summary
Positive
2025-04-17
The earnings call reveals a positive outlook with stable margins, a commitment to growth through new branches and technology investments, and a strong loan growth despite macroeconomic uncertainties. The Q&A section supports this sentiment, highlighting confidence in real estate deals and continued sponsor support. Additionally, the company's share repurchase activity suggests optimism. While there are some uncertainties, the overall sentiment leans positive due to the company's strategic initiatives and stable financial performance.
Bank OZK (OZK) Q4 2024 Earnings Call Summary
Positive
2025-01-17
The earnings call summary shows strong financial performance with a 10% revenue increase, 15% loan growth, and a share repurchase program, all indicating positive sentiment. However, there are concerns about regulatory risks, competitive pressures, and supply chain challenges. The Q&A revealed some management evasiveness, but overall, the positive financial results and shareholder return plans outweigh these concerns, suggesting a positive stock price movement.
Bank OZK (OZK) Q3 2024 Earnings Call Summary
Lastest
2024-10-18
The earnings call reflects a positive sentiment with strong financial performance, including a 10% increase in revenue and improved net income. The share repurchase program further supports shareholder value. The Q&A session indicates confidence in NIM improvement and loan growth, despite some risks. Overall, the positive financial results and strategic initiatives outweigh the potential risks, suggesting a positive stock price movement.
Bank OZK (OZK) Q2 2024 Earnings Call Summary
Positive
2024-07-18
The earnings call summary indicates strong financial performance with significant revenue, net income, and EPS growth, along with improved asset quality. The company projects continued revenue growth and stable margins. Despite potential risks like economic fluctuations and competition, the strategic initiatives in lending and deposit growth are promising. The Q&A section reveals management's confidence in the CIB business and life sciences sector. While some responses lacked specificity, overall, the financial health and strategic outlook suggest a positive stock price movement in the short term.

FAQ

arrow icon

What were the key highlights of OZK’s latest earnings report for FY2025Q2?

OZK reported its FY2025Q2 earnings on 2025-07-17, showcasing a revenue of 428.04M against an estimate of 423.25M, resulting in a 1.13% surprise. The EPS was 1.58, surpassing the expected 1.51 by 4.64% . The stock experienced a 0.1% price change on the earnings day and a 1.35% change over the next five days, reflecting market reactions to the results.
arrow icon

How did OZK’s stock price react after the FY2025Q2 earnings release?

arrow icon

What are the revenue and EPS estimates for OZK for 2025/Q3?

arrow icon

How does OZK’s stock price correlate with earnings forecast revisions?

arrow icon

What should investors expect from OZK’s next earnings report?

arrow icon

What is the sentiment in Bank Ozk (OZK) Q2 2025 Earnings Call Summary?