NASDAQ$OZK
Bank OZK · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
Bank OZK reported steady profitability in Q3 2025 with modest earnings growth.
Bank OZK delivered stable Q3 results, with higher net interest income and improved non-interest income supporting earnings. Loan balances dipped slightly, while credit metrics remained sound.
- Net income available to common stockholders was $180.53 million.
- Diluted EPS came in at $1.59, up slightly from Q2.
- Revenue (net interest income + non-interest income) totaled approximately $449.94 million.
- Total assets grew to over $41.6 billion, reflecting continued balance sheet expansion.
Headline financials
Revenue & EPS history
Bank OZK · Revenue · Quarterly
$450M
Forward guidance
No specific forward guidance was provided in the report.
Tailwinds
- Stable earnings despite credit provisioning.
- Strong capital position and book value growth.
- Higher non-interest income helped support top line.
- Loan loss reserves remained well capitalized.
- Efficient cost control maintained low efficiency ratio.
Headwinds
- Modest decline in total loans versus prior quarter.
- Higher credit provisioning impacting net income growth.
- Increased nonperforming loans during the quarter.
- Slight compression in net interest margin from prior year.
- No mention of specific future growth initiatives or outlook.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
+0.1%
Avg return
Earnings day
+0.7%
Avg return
5 days after
+2.0%
Avg return
30 days after
51%
27 / 53 earnings
Positive
+16.8%
Q4 2018
Best reaction
-29.9%
Q3 2018
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.2% | +1.3% | -2.4% | |
| Q4 2025 | +0.0% | -3.2% | +4.2% | |
| Q3 2025 | -2.3% | -3.3% | -6.2% | |
| Q2 2025 | +0.0% | +1.3% | -5.0% | |
| Q1 2025 | +5.8% | +5.2% | +19.3% | |
| Q4 2024 | +10.0% | +11.8% | +14.7% | |
| Q3 2024 | -2.2% | -4.0% | +6.2% | |
| Q2 2024 | -3.2% | -2.0% | -9.7% | |
| Q1 2024 | +4.8% | +8.1% | +16.1% | |
| Q4 2023 | +5.2% | +7.3% | -6.3% | |
| Q3 2023 | -0.8% | -0.2% | +16.2% | |
| Q2 2023 | -6.6% | -5.7% | -10.1% | |
| Q1 2023 | -5.5% | -9.5% | -6.6% | |
| Q4 2022 | +7.4% | +9.6% | +18.1% | |
| Q3 2022 | -7.6% | -2.1% | +6.6% | |
| Q2 2022 | -0.8% | -1.3% | +9.5% | |
| Q1 2022 | -2.6% | -3.5% | -8.0% | |
| Q4 2021 | -1.3% | -1.4% | -3.0% | |
| Q3 2021 | -2.3% | -0.8% | +1.3% | |
| Q2 2021 | +1.0% | +0.6% | +3.9% | |
| Q1 2021 | +3.8% | +3.7% | +8.2% | |
| Q4 2020 | +3.9% | +7.8% | +16.8% | |
| Q3 2020 | +8.9% | +4.1% | +21.1% | |
| Q2 2020 | +2.6% | +1.2% | -3.4% | |
| Q1 2020 | +14.0% | +26.2% | +20.6% | |
| Q4 2019 | -2.6% | -4.0% | -6.5% | |
| Q3 2019 | +2.4% | +4.7% | +2.5% | |
| Q2 2019 | +4.3% | +6.9% | -8.4% | |
| Q1 2019 | +1.5% | +2.6% | +4.2% | |
| Q4 2018 | +16.8% | +15.2% | +19.9% | |
| Q3 2018 | -29.9% | -30.9% | -27.4% | |
| Q2 2018 | -8.9% | -8.2% | -12.0% | |
| Q1 2018 | +0.3% | -0.2% | +4.3% | |
| Q4 2017 | -2.6% | -1.8% | -1.1% | |
| Q3 2017 | -4.1% | -4.7% | -9.7% | |
| Q2 2017 | -0.2% | +3.5% | -11.0% | |
| Q1 2017 | -3.0% | -6.0% | -5.1% | |
| Q4 2016 | -2.5% | -1.6% | +3.9% | |
| Q3 2016 | -6.6% | -9.9% | +4.2% | |
| Q2 2016 | +9.4% | +9.2% | +0.4% | |
| Q1 2016 | +1.3% | — | — | |
| Q4 2015 | +0.2% | — | — | |
| Q3 2015 | -6.3% | — | — | |
| Q2 2015 | -0.9% | — | — | |
| Q1 2015 | +3.5% | — | — | |
| Q4 2014 | +1.1% | — | — | |
| Q3 2014 | +0.5% | — | — | |
| Q2 2014 | +2.4% | — | — | |
| Q1 2014 | -2.7% | — | — | |
| Q4 2013 | +1.4% | — | — | |
| Q3 2013 | +3.9% | — | — | |
| Q2 2013 | -2.4% | — | — | |
| Q1 2013 | -4.5% | — | — |
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