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Bank Ozk (OZK)
NASDAQ:OZK
Earnings Data
Report Date
Apr 16, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.45Last Year’s EPS
1.47Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call balanced conservative risk management and active capital returns against ongoing CRE-related credit work. Management emphasized a strong earnings base (near $700M), improved capital ratios, accretive buybacks and a prudent, elevated allowance built through the CRE cycle. They also highlighted improving market liquidity (refinancings and leasing) and early-stage growth in fee-income channels. Offsetting these positives are remaining stressed RESG assets, several higher‑risk loans under active resolution or appraisal-based valuation pressure, and continued uncertainty in the life-sciences segment. Overall, the tone was cautious but constructive: the company appears positioned to absorb near-term CRE volatility while benefiting from improving market conditions and executing strategic diversification over the next 12–24 months.Company Guidance
Near-Record Annual Earnings
Reported nearly $700 million in earnings for the year (described as "almost $700 million" and near-record), demonstrating strong profitability year-over-year.
Active Capital Return — Share Repurchase
Repurchased 2.25 million shares in the quarter at an average price of $44.45 (~$100 million), with roughly $100 million remaining on the authorization (expires end of June). Management noted buybacks were accretive to EPS and tangible book value.
Consistent Dividend Growth
Increased the quarterly dividend for the 62nd consecutive quarter, with combined preferred and common dividends of roughly $55 million in the period.
Prudent Allowance Build and Risk Positioning
Management built the ACL materially ahead of expected losses (described as rising from ~$300M to $632M — ~+111% — and discussed a peak near ~$680M at Sept 30), enabling the bank to absorb recent charge-offs largely already provided for and to navigate stressed credits.
CRE Liquidity and Refinancing Activity
Noted resurgence in liquidity in office and other CRE subsegments: four office projects refinanced in the quarter and office ranked second behind multifamily for project payoffs over the past 12 months; management described improving leasing and refinancing markets.
Fee Income and Business Diversification Initiatives
CIB (loan syndication, interest-rate hedging, capital markets, FX) and other initiatives (mortgage origination, trust & wealth, private banking, treasury services) are early-stage but showing tailwinds; management expects incremental noninterest income improvement in 2026 and more meaningful impact in 2027.
Strong Capital and CET1 Trends
Tangible common equity increased by ~35 basis points during the quarter despite ~$100M of share repurchases; management emphasized strong earnings power and improved capital ratios enabling continued opportunistic capital returns.
Loan Growth Guidance
Management reiterated mid-single-digit loan growth guidance for the year, expecting growth to be weighted to the second–fourth quarters (Q1 seen as positive but lighter due to payoff velocity).
Sponsor Support and Loan Workout Successes
High levels of sponsor support quantified: in the quarter 49 loans had term extensions with $56.7M in reserve deposits, $7.6M in modification fees, and $45.1M in unscheduled principal paydowns; since the Fed rate hikes this totals ~$1.3B in sponsor equity contributions, $866M in reserve deposits and $429M in unscheduled principal paydowns — evidence of sponsor engagement and loan remediation activity.
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 |
|---|---|---|---|
Jan 20, 2026 | $47.80 | $47.83 | +0.06% |
Oct 16, 2025 | $46.57 | $45.52 | -2.25% |
Jul 17, 2025 | $50.95 | $51.00 | +0.10% |
Apr 16, 2025 | $38.28 | $40.51 | +5.82% |
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 Apr 16, 2026, After Close (Confirmed).
What is Bank Ozk (OZK) earnings time?
Bank Ozk (OZK) earnings time is at Apr 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 (Q1) is 1.45.