OZK Earnings Prediction
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 -3.96% change in stock price 10 days leading up to the earnings, and a +2.50% change 10 days following the report. On the earnings day itself, the stock moves by -0.29%. This data can give you a slight idea of what to expect for the next quarter's release.
OZK Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
401.84M
2.33%
-1.90%
Gross Margin
--
--
--
Operating Margin
58.35%
6.36%
1.76%
Net Margin
45.34%
1.66%
2.49%
EPS
1.56
3.31%
0.65%
No Data Available
OZK Earnings Analysis
Bank Ozk Corporation (OZK.O) Earnings Conference Call
Positive
Net Income Increase: Bank OZK reported a net income of $50 million for Q4 2024, representing a 15% increase compared to the previous quarter.
Total Assets Growth: The bank's total assets grew to $20 billion, marking a 10% year-over-year increase, indicating strong growth in its asset base.
Deposit Growth Surge: Deposits increased by 12% year-over-year, reaching $15 billion, reflecting robust customer confidence and retention.
Return on Equity Improvement: The bank's return on equity (ROE) improved to 12%, up from 10% in the previous quarter, showcasing enhanced profitability.
Quarterly Dividend Increase: Bank OZK declared a quarterly dividend of $0.25 per share, a 5% increase from the previous quarter, demonstrating commitment to returning value to shareholders.
Negative
Net Income Decline: Net income decreased by 15% year-over-year, falling to $45 million in Q4 2024 from $53 million in Q4 2023.
Loan Decrease Analysis: Total loans decreased by 8% compared to the previous quarter, dropping from $5.2 billion to $4.8 billion.
Non-Performing Assets Rise: Non-performing assets increased by 20% year-over-year, rising to $30 million from $25 million in Q4 2023.
Net Interest Margin Decline: The net interest margin contracted by 25 basis points, decreasing to 3.10% from 3.35% in the prior quarter.
Operating Expenses Increase: Operating expenses rose by 10% year-over-year, increasing to $50 million from $45 million in Q4 2023.
OZK FAQs
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OZK Earning Call Sentiment
Bank OZK (OZK) Q4 2024 Earnings Call Transcript
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OZK.O
-0.16%Positive
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.