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Bank Ozk (OZK)
:OZK
Earnings Data
Report Date
Apr 17, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
1.42Last Year’s EPS
1.51Same Quarter Last Year
Based on 7 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 16, 2025
|% Change Since: 4.65%
|Next Earnings Date:Apr 17, 2025
Earnings Call Sentiment|Neutral
The call highlighted strong growth and optimism in the CIB segment and effective management of loan modifications, but it also acknowledged challenges in RESG originations and regulatory uncertainties. The sentiment reflects a cautious optimism for future growth.Company Guidance
During the Bank OZK fourth-quarter earnings call for 2024, guidance was provided with a focus on growth and diversification plans. The executives emphasized their optimism in continuing to build out the Corporate and Institutional Banking (CIB) group, which is expected to be a significant growth driver into 2025 and beyond. They highlighted the bank's efforts in laying a strong foundation for CIB, citing great originations in the fourth quarter and a robust pipeline for 2025. The bank is targeting mid- to high-single-digit loan growth for 2025, with expense growth around 10% due to new hires and expansion initiatives. They also discussed credit quality, with a 44% average loan-to-value ratio across their portfolio and modifications viewed as positive, collecting $8.4 million in fees during the quarter. Approximately 14% of their loans were at their floor rate as of December 31, indicating potential margin expansion if rates decrease. The executives also expressed hope for a more favorable regulatory environment with the incoming administration, which could further support growth and innovation.Strong Performance in CIB Segment
The Commercial and Industrial Banking (CIB) segment showed significant growth, with expectations to rival RESG in size in the future. Originations and foundational structures were successfully set in place, indicating robust future growth.
Successful Loan Modifications
The company effectively managed loan modifications, collecting $8.4 million in fees and $38.8 million in additional reserves while reducing unfunded commitments by $41.8 million.
Optimistic Outlook for Loan Growth
Despite high interest rates, OZK is optimistic about loan growth in 2025, with a strong pipeline of signed term sheets and improved conversion rates.
Conservative Loan-to-Value Ratio
Maintained a conservative weighted average loan-to-value ratio of 44% across the portfolio, despite reappraisals.
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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
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OZK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 16, 2025 | $45.34 | $49.74 | +9.70% |
| Oct 17, 2024 | $46.30 | $44.23 | -4.47% |
| Jul 17, 2024 | $46.00 | $44.17 | -3.98% |
| Apr 17, 2024 | $40.63 | $42.55 | +4.73% |
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.
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FAQ
When does Bank Ozk (OZK) report earnings?
Bank Ozk (OZK) is schdueled to report earning on Apr 17, 2025, TBA Not Confirmed.
What is Bank Ozk (OZK) earnings time?
Bank Ozk (OZK) earnings time is at Apr 17, 2025, TBA Not 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 (Q1) is 1.42.
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