The earnings call for Bank OZK reflected strong growth and expansion, particularly in the CIB group and branch openings, with solid loan and deposit growth. However, there are some challenges, particularly in the RESG segment and with special mention loans. The bank is taking a cautious approach due to economic uncertainties, but overall, the highlights significantly outweigh the lowlights.

Company Guidance -

Q3 2025

During the Bank OZK Second Quarter 2025 Earnings Call, management provided detailed guidance on several key metrics. The bank reported the addition of 109 new full-time employees in the quarter, reflecting its strategic growth initiatives, including the opening of 11 branches year-to-date with plans for 14 more by the end of the year. The bank aims to open approximately 25 branches in 2026. The Commercial and Industrial Banking (CIB) group has been a significant growth driver, with expectations of continued strong performance into next year. The CIB group facilitated $900 million in loan growth for the quarter, and management anticipates this momentum to persist, contributing to an overall loan growth guidance of 11% to 13% for the year. Deposit costs were reported at 3.68% in June, slightly lower than the quarterly average of 3.7%. The bank also highlighted a robust pipeline for the Natural Resources Group, which is set to bolster growth. Additionally, the allowance for credit losses has increased by $366 million over 12 quarters due to a cautious economic outlook, with risk models currently weighted towards downside scenarios. Overall, Bank OZK remains focused on growth, growth, and diversification, while maintaining a prudent approach to risk management.

Solid Loan Growth

The CIB group has been the largest contributor to growth, with the bank experiencing a 10.1% nonannualized growth in loans in the first half of the year, surpassing their initial guidance of high single digits.

Branch Expansion

Bank OZK opened 11 branches in the first half of the year and plans to open an additional 14 branches by the end of the year, with further expansion planned for next year.

Strong Talent Acquisition

The bank hired 109 new full-time employees in the quarter, emphasizing growth across various segments, including the Corporate and Institutional Banking (CIB) group.

Deposit Growth

Interest-bearing deposit costs decreased slightly, and the bank opened 8 new branches, contributing to the growth in deposits.

Record Performance in CIB

CIB is experiencing a significant growth phase with a strong pipeline and expansion into new business lines, such as the Natural Resources Group.

Bank OZK (OZK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

OZK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	1.64 / -	1.55	―	―	―
Jul 17, 2025	2025 (Q2)	1.53 / 1.58	1.52	3.95% (+0.06)	―
Apr 16, 2025	2025 (Q1)	1.41 / 1.47	1.51	-2.65% (-0.04)	―
Jan 16, 2025	2024 (Q4)	1.44 / 1.56	1.5	4.00% (+0.06)	―
Oct 17, 2024	2024 (Q3)	1.54 / 1.55	1.49	4.03% (+0.06)	―
Jul 17, 2024	2024 (Q2)	1.52 / 1.52	1.47	3.40% (+0.05)	―
Apr 17, 2024	2024 (Q1)	1.46 / 1.51	1.41	7.09% (+0.10)	―
Jan 18, 2024	2023 (Q4)	1.47 / 1.50	1.34	11.94% (+0.16)	―
Oct 19, 2023	2023 (Q3)	1.42 / 1.49	1.08	37.96% (+0.41)	―
Jul 20, 2023	2023 (Q2)	1.42 / 1.47	1.1	33.64% (+0.37)	―

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
Jul 17, 2025	$51.91	$51.96	+0.10%
Apr 16, 2025	$39.00	$41.28	+5.85%
Jan 16, 2025	$44.44	$48.76	+9.72%
Oct 17, 2024	$45.38	$43.35	-4.47%

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 Oct 16, 2025, After Close (Confirmed).

What is Bank OZK (OZK) earnings time?

Bank OZK (OZK) earnings time is at Oct 16, 2025, 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 2025 (Q3) is 1.64.

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