Bank OZK's Q4 net income falls 3.5% yr/yr

Bank Ozk

20/01/2026 21:13

Overview

Regional bank's Q4 net income fell 3.5% yr/yr

Q4 diluted EPS decreased 1.9% yr/yr

2025 EPS reached a record $6.18, up 0.7% yr/yr

Outlook

Bank OZK aims for record EPS in 2026

Result Drivers

LOAN AND DEPOSIT GROWTH - Bank OZK's 2025 earnings were driven by $2.35 bln growth in loans and $2.34 bln growth in deposits, resulting in record net interest income

ASSET GROWTH - Over the last three years, Bank OZK has grown assets by a cumulative 47%, per Chairman and CEO George Gleason

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$1.53
Q4 Net Income
$171.90 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 4 "strong buy" or "buy", 5 "hold" and 1 "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for Bank Ozk is $56.00, about 15.5% above its January 16 closing price of $48.50

The stock recently traded at 8 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nGNX376C5Q

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)