NASDAQ$OZK
Bank OZK · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Bank OZK reported stable results with slight declines in EPS and net income compared to the prior year quarter.
Bank OZK maintained solid profitability in Q4 2025 with strong net interest income, though credit loss provisions and non-interest expenses increased. EPS slightly decreased year-over-year.
- Net income declined slightly to $175.9M despite higher interest income.
- Diluted EPS decreased to $1.53 from $1.56 in Q4 2024.
- Provision for credit losses rose to $50.6M in the quarter.
- Nonperforming assets increased significantly, reaching 0.99% of total assets.
Headline financials
Revenue & EPS history
Bank OZK · Revenue · Quarterly
$671M
Forward guidance
No formal forward guidance was provided in the financial supplement.
Tailwinds
- Strong net interest income driven by loan performance.
- Book value per share increased to $52.46.
- Tangible book value per share rose to $46.48.
- Capital position remained robust with equity over $6.1B.
- Deposit growth continued, reaching over $33.3B.
Headwinds
- EPS declined both sequentially and year-over-year.
- Nonperforming loans increased to over $341M.
- Net charge-offs surged to $98.3M in Q4.
- Efficiency ratio worsened to 36.36%.
- Return on assets and equity declined from the prior year.
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 Q4 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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