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Bank OZK Earnings Calls
| Release date | Apr 21, 2026 |
| EPS estimate | $1.43 |
| EPS actual | $1.44 |
| EPS Surprise | 0.699% |
| Revenue estimate | 422.973M |
| Revenue actual | 422.3M |
| Revenue Surprise | -0.159% |
| Release date | Jan 20, 2026 |
| EPS estimate | $1.56 |
| EPS actual | $1.53 |
| EPS Surprise | -1.92% |
| Revenue estimate | 434.611M |
| Revenue actual | 444.558M |
| Revenue Surprise | 2.29% |
| Release date | Oct 16, 2025 |
| EPS estimate | $1.65 |
| EPS actual | $1.59 |
| EPS Surprise | -3.64% |
| Revenue estimate | 447.358M |
| Revenue actual | 449.936M |
| Revenue Surprise | 0.576% |
| Release date | Jul 17, 2025 |
| EPS estimate | $1.51 |
| EPS actual | $1.58 |
| EPS Surprise | 4.64% |
| Revenue estimate | 446.827M |
| Revenue actual | 428.037M |
| Revenue Surprise | -4.21% |
Last 4 Quarters for Bank OZK
Below you can see how OZK performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 17, 2025 |
| Price on release | $51.91 |
| EPS estimate | $1.51 |
| EPS actual | $1.58 |
| EPS surprise | 4.64% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $51.58 |
| Jul 14, 2025 | $52.55 |
| Jul 15, 2025 | $50.71 |
| Jul 16, 2025 | $51.17 |
| Jul 17, 2025 | $51.91 |
| Jul 18, 2025 | $51.96 |
| Jul 21, 2025 | $51.77 |
| Jul 22, 2025 | $52.68 |
| Jul 23, 2025 | $52.61 |
| 4 days before | 0.640% |
| 4 days after | 1.35% |
| On release day | 0.0963% |
| Change in period | 2.00% |
| Release date | Oct 16, 2025 |
| Price on release | $47.02 |
| EPS estimate | $1.65 |
| EPS actual | $1.59 |
| EPS surprise | -3.64% |
| Date | Price |
|---|---|
| Oct 10, 2025 | $48.83 |
| Oct 13, 2025 | $50.26 |
| Oct 14, 2025 | $51.31 |
| Oct 15, 2025 | $50.50 |
| Oct 16, 2025 | $47.02 |
| Oct 17, 2025 | $45.96 |
| Oct 20, 2025 | $46.20 |
| Oct 21, 2025 | $45.50 |
| Oct 22, 2025 | $45.49 |
| 4 days before | -3.71% |
| 4 days after | -3.26% |
| On release day | -2.25% |
| Change in period | -6.85% |
| Release date | Jan 20, 2026 |
| Price on release | $47.80 |
| EPS estimate | $1.56 |
| EPS actual | $1.53 |
| EPS surprise | -1.92% |
| Date | Price |
|---|---|
| Jan 13, 2026 | $46.51 |
| Jan 14, 2026 | $47.78 |
| Jan 15, 2026 | $48.51 |
| Jan 16, 2026 | $48.50 |
| Jan 20, 2026 | $47.80 |
| Jan 21, 2026 | $47.83 |
| Jan 22, 2026 | $47.60 |
| Jan 23, 2026 | $45.94 |
| Jan 26, 2026 | $46.27 |
| 4 days before | 2.77% |
| 4 days after | -3.20% |
| On release day | 0.0628% |
| Change in period | -0.516% |
| Release date | Apr 21, 2026 |
| Price on release | $48.52 |
| EPS estimate | $1.43 |
| EPS actual | $1.44 |
| EPS surprise | 0.699% |
| Date | Price |
|---|---|
| Apr 15, 2026 | $47.88 |
| Apr 16, 2026 | $47.79 |
| Apr 17, 2026 | $48.73 |
| Apr 20, 2026 | $49.24 |
| Apr 21, 2026 | $48.52 |
| Apr 22, 2026 | $47.52 |
| Apr 23, 2026 | $48.51 |
| Apr 24, 2026 | $47.47 |
| Apr 27, 2026 | $48.20 |
| 4 days before | 1.34% |
| 4 days after | -0.660% |
| On release day | -2.06% |
| Change in period | 0.668% |
Bank OZK Earnings Call Transcript Summary of Q1 2026
Key points for investors:
- Corporate & Institutional Banking (CIB) is the primary growth engine: management expects CIB to continue strong expansion, with diversification across many verticals (42+ niches) and plans to scale fee-based capabilities (syndications, hedging, treasury, capital markets). Management expects CIB growth to meaningfully contribute to revenue and to approach or exceed RESG portfolio size into 2027.
- Discipline on underwriting and selective growth: Management emphasizes a highly selective approach (passing on ~80–85% of opportunities), strong portfolio management, and scalable operations intended to preserve credit quality as CIB grows.
- Net interest income / margin dynamics: The bank bought higher-yielding securities in Q1 (mix of agency MBS and muni housing bonds) to boost yield; much of the CIB loan book is variable-rate so margins should reprice quickly, leaving management relatively agnostic to modest near-term Fed moves. Deposit competition exists but the bank is managing deposit costs actively.
- Credit and asset-quality outlook: Overall credit is described as resilient; the main stress areas remain pockets of land, office and life-science exposures and a small number of RESG loans that could migrate into classified status. Management expects some additional inflows to substandard classifications but believes many problem assets are being actively worked and that large losses are not broadly likely given conservative leverage and sponsor engagement.
- Expenses and operating leverage: Ongoing hiring to build CIB and fee businesses will keep efficiency metrics elevated near-term (high-30s efficiency ratio), but management expects positive operating leverage over time as businesses scale and as hiring shifts toward more junior/analyst roles.
- Near-term guidance highlights: Management provided guidance on securities yields contribution (securities yields in the portfolio and a Q2 lift expectation) and reiterated a full-year net charge-off expectation (implying roughly mid-single-digit to ~50 bps annualized NCOs depending on modeling), while noting uncertainty around certain RESG transactions but active remediation efforts.
