Bank OZK (OZK)
NASDAQ:OZK
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Earnings Data
Report Date
Jul 16, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.48Last Year’s EPS
1.58Same Quarter Last Year
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a constructive growth story led by a fast-expanding and increasingly diversified CIB franchise, supportive security purchases that should lift NII, disciplined deposit management and generally resilient credit in core portfolios. Counterbalancing that optimism are concentrated RESG stresses (notably five loans and ~$150M of OREO), modest increases in criticized/NPA balances, pricing pressure in specific loan sublines, and near-term expense build from the CIB ramp. On balance the company highlighted multiple concrete growth drivers and several manageable credit/operational challenges.Company Guidance
CIB Strong Growth and Diversification
Corporate & Institutional Banking (CIB) produced robust growth this quarter with nearly two dozen new relationships and upsized nearly a dozen legacy relationships; the franchise is diversified across ~42 industry niches, and CIB headcount expanded materially (discussed as rising from 18 to 97), positioning CIB as the primary growth engine into 2027.
Improved Spreads on New CIB Deals
New CIB originations showed a roughly 12 basis point uptick in average spread versus legacy deals this quarter, and the CIB book remains predominantly floating-rate, supporting margin sensitivity to loan repricing.
Investment Portfolio Increased Yield
Management deployed excess liquidity into securities during the quarter: ~40% into muni/housing bonds (tax-equivalent yield ~6%) and ~60% into agency mortgage-backed securities (yields around 4.6%), expected to bolster net interest income in Q1 and Q2.
Strong NIM and Deposit Cost Management
Net interest margin remains strong at ~4.20% (420 bps). Despite increased deposit competition, deposit pricing was reduced by ~18 basis points while continuing deposit growth (average depositor balance ~$52,000 and nearly $2.0 billion in deposit growth over the last year).
Building Fee Income and Product Capabilities
Bank continues to scale fee-generating businesses (trust & wealth, mortgage, treasury management, syndications, interest-rate hedging, FX) and enterprise-wide CIB capabilities to drive noninterest income growth over time.
Credit Resilience in Core Portfolios
Indirect lending stayed steady at ~12–13% of the portfolio with stable credit performance; multifamily, industrial and condo assets were described as generally performing well; appraisals are current (50% appraised in last 4 quarters, 92% in last 8 quarters), aiding visibility into valuations.
Operational Discipline and Positive Operating-Leverage Plan
Efficiency ratio is ~39% today; management expects high-30s in the near term while investing, and plans to obtain positive operating leverage as CIB scales (including internal training programs to lower average hiring costs over time).
OZK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OZK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 21, 2026 | $48.52 | $47.52 | -2.06% |
Jan 20, 2026 | $47.33 | $47.36 | +0.06% |
Oct 16, 2025 | $46.11 | $45.07 | -2.25% |
Jul 17, 2025 | $50.45 | $50.50 | +0.10% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank OZK (OZK) report earnings?
Bank OZK (OZK) is schdueled to report earning on Jul 16, 2026, After Close (Confirmed).
What is Bank OZK (OZK) earnings time?
Bank OZK (OZK) earnings time is at Jul 16, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OZK EPS forecast?
OZK EPS forecast for the fiscal quarter 2026 (Q2) is 1.48.