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OZKBank OZK
$49.97$5.5B
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OZK logoBank OZK(OZK)Earnings, Financials & Key Ratios

OZK•NASDAQ•Banking & Credit
$49.97
8.1× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services. Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.Show more
  • Net Interest Income$1.59B+3.8%
  • Total Revenue$2.81B+1.1%
  • Net Income$715M-0.1%
  • Return on Equity12.09%-8.5%
  • Net Interest Margin3.9%-2.6%
  • Efficiency Ratio22.14%+11.4%
  • ROA1.81%-8.4%
  • Equity / Assets15.03%+0.8%
  • Book Value per Share54.70+9.3%

OZK Price & Volume

Bank OZK (OZK) stock price & volume — 10-year historical chart

Loading chart...

Specialized Construction Lending Drives Asset Growth Trajectory

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE construction concentration risk

Key Thesis Takeaways

  • Bank OZK maintains a unique competitive position through its Real Estate Specialties Group, which has successfully scaled total assets to $41.7 billion as of 2026Q1.
  • While the bank demonstrates exceptional operational discipline with an efficiency ratio as low as 19.6% in 2024Q3, investors should monitor the deceleration of net interest income growth to 3.0% in 2026Q1.
  • The firm's heavy concentration in commercial real estate construction remains a primary risk factor that warrants careful scrutiny of future credit loss provisions, which recently reached $41.9 million.

Verdict Logic

while the bank trades at a low P/E of 8.45 and maintains a 3.4% dividend yield, the persistent concentration risk in construction lending and stagnant net interest margins suggest a cautious outlook.

OZK Growth Metrics

Bank OZK (OZK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.66%
5 Years18.97%
3 Years26.67%
TTM-

Profit CAGR

10 Years14.65%
5 Years19.64%
3 Years8.24%
TTM-0.84%

EPS CAGR

10 Years11.43%
5 Years22.25%
3 Years10.77%
TTM0.66%

Return on Capital

10 Years12.4%
5 Years11.21%
3 Years10.36%
Last Year4.23%

OZK Recent Earnings

Bank OZK (OZK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$1.44+0.7%
$1.43
Rev
$422M-0.2%
$423M
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$1.53-1.9%
$1.56
Rev
$445M+2.3%
$435M
Q4 2025
Oct 16, 2025
Metric
Actual
Est
EPS
$1.59-3.6%
$1.65
Rev
$450M+0.6%
$447M
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$1.58+4.6%
$1.51
Rev
$428M-4.2%
$447M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$1.44vs $1.43+0.7%
$422Mvs $423M-0.2%
Q1 2026Jan 20, 2026
$1.53vs $1.56-1.9%
$445Mvs $435M+2.3%
Q4 2025Oct 16, 2025
$1.59vs $1.65-3.6%
$450Mvs $447M+0.6%
Q3 2025Jul 17, 2025
$1.58vs $1.51+4.6%
$428Mvs $447M-4.2%
Based on last 12 quarters of dataView full earnings history →

Latest OZK News

Recent stock market news and headlines for Bank OZK (OZK)

Seeking Alpha·Jun 17, 2026
Bank OZK: A Regional Bank Proves It Can Grow While Keeping Leverage Down

Bank OZK is rated a buy, driven by strong Sunbelt expansion, robust loan growth, and leading ROE among regional peers. OZK's low debt/equity, rising investment yields, and superior dividend growth support a favorable risk profile and income thesis. Despite top-line strength, declining margins and near-term consensus for EPS declines temper a highly bullish case, resulting in a more modest bullish stance.

Peers Comparison

Key metrics vs top competitors for Bank OZK (OZK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OZK logoOZKBank OZKCurrent
$49.97$5.46B8.101.15%25.5%12.09%3.51%
IBOC logoIBOCInternational Bancshares Corporation
$75.98$4.72B11.481.03%39.31%13.16%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
UMBF logoUMBFUMB Financial Corporation
$146.01$11.12B15.9968.52%19.79%11.67%—

Compare OZK vs Peers

Bank OZK (OZK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBOC

Most directly comparable listed peer for OZK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare OZK against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBOC, SFNC, HOMB, FFIN

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OZK Frequently Asked Questions

Bank OZK (OZK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Bank OZK growing?

Bank OZK (OZK) grew revenue by 1.1% over the past year. Growth has been modest.

Is OZK profitable?

Yes, Bank OZK (OZK) is profitable, generating $706.9M in net income for fiscal year 2025 (25.5% net margin).

Dividend & Returns
Does OZK pay dividends?

Yes, Bank OZK (OZK) pays a dividend with a yield of 3.51%. This makes it attractive for income-focused investors.

What is OZK's return on equity?

Bank OZK (OZK) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics
What is Bank OZK's net interest margin?

Bank OZK (OZK) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.

What is Bank OZK's efficiency ratio?

Bank OZK (OZK) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OZK back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →