The earnings call highlighted strong loan and deposit growth, driven by the CIB group's expansion and branch openings. However, challenges remain, particularly in the RESG portfolio with expected high repayments and increased special mention loans. The bank's cautious economic outlook further tempers the positive developments.

Company Guidance -

Q3 2025

During the Bank OZK Second Quarter 2025 Earnings Conference Call, several key metrics and guidance for future periods were discussed. The bank reported the addition of 109 new full-time employees (FTEs) in the quarter, reflecting growth across various segments, including 11 new branch openings with plans for 14 more by year-end and approximately 25 in 2026. The bank's deposit costs were reported at 3.68% in June, slightly down from 3.7% for the quarter, with expectations that they will remain stable until further Federal Reserve movements. The company anticipates its loan growth for 2025 to be in the range of 11% to 13%, up from previous guidance of high single digits, with the Corporate and Institutional Banking (CIB) group contributing significantly to growth. The Real Estate Specialties Group (RESG) is expected to face some headwinds due to anticipated higher prepayments. The bank's strategic growth, growth, and diversification plan continues to focus on expanding its CIB and indirect lending activities while maintaining a strong presence in real estate lending.

Strong Loan Growth

Loan growth for the first half of the year was 10.1% nonannualized, exceeding the initial guidance of high single-digit growth. The bank has updated its guidance to 11% to 13% growth for the full year.

CIB Group Expansion

The Corporate and Institutional Banking (CIB) group has been a major contributor to growth, with strong pipelines and plans for geographic expansion. The group looked at over $7 billion in opportunities with a pull-through rate of 12%.

Branch Network Expansion

Bank OZK has opened 11 branches so far this year and plans to open 14 more by the end of the year, with additional hires to support this expansion.

Deposit Growth Strategy

Deposits grew significantly, with interest-bearing deposit costs slightly declining. The bank plans to continue growing deposits in line with its balance sheet expansion needs.

Positive Sponsor Engagement

Sponsors have remained engaged with troubled projects, often providing additional equity and support to ensure successful project outcomes.

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)	1.65 / -	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 1.65.

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