Bank OZK (OZK) Earnings
Bank OZK is expected to report next earnings on July 22, 2026 (in NaN days), with a consensus EPS estimate of $1.46. OZK has beaten EPS estimates in 7 of its last 12 reported quarters (average surprise -0.6% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $1.46 | $1.44 | -1.4% | $422M | -0.2% |
| Jan 20, 2026 | $1.56 | $1.53 | -1.9% | $441M | +1.5% |
| Oct 16, 2025 | $1.65 | $1.59 | -3.6% | $450M | +0.6% |
| Jul 17, 2025 | $1.51 | $1.58 | +4.6% | $428M | -4.2% |
| Apr 16, 2025 | $1.41 | $1.47 | +4.3% | $409M | +1.6% |
| Jan 16, 2025 | $1.45 | $1.56 | +7.6% | $412M | +3.0% |
| Oct 17, 2024 | $1.54 | $1.54 | +0.0% | $423M | -0.2% |
| Jul 17, 2024 | $1.52 | $1.53 | +0.7% | $417M | -1.9% |
| Apr 17, 2024 | $1.46 | $1.51 | +3.4% | $406M | +2.3% |
| Jan 18, 2024 | $1.48 | $1.50 | +1.4% | $415M | +4.2% |
| Oct 19, 2023 | $1.42 | $1.49 | +4.9% | $393M | +1.3% |
| Jul 20, 2023 | $1.42 | $1.47 | +3.5% | $389M | +3.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 22, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- **CIB Growth**: CIB continues to grow steadily with over two dozen new relationships and nearly a dozen legacy relationships upsized. It's diversified across 42 industry niches, allowing pivot between business lines like ABLG, CBSF, etc., based on market conditions. - **Infrastructure Building**: Building scalable infrastructure for CIB similar to RESG, including strong portfolio management, operations teams, and cross-sell capabilities. - **Fee Income Focus**: Emphasis on fee income generation through various businesses such as syndications, interest rate hedging, etc. - **RESG Status**: RESG has assets in the substandard bucket with efforts to liquidate, and multifamily is a significant part of payoffs with a healthy portfolio. - **Indirect Lending**: Indirect lending group is high prime and performs well. - **Commercial Banking Growth**: Commercial banking community banking group expected to accelerate growth in 2027.
Guidance
- **CIB Growth Trajectory**: CIB is expected to continue growing and potentially pull ahead of RESG in portfolio size by 2027. - **Net Charge-Off Expectations**: Expectations for net charge-offs around 50 basis points-ish, assuming some inflows of assets into classified categories and efforts to resolve existing issues. - **Long-Term Build-Out**: Anticipate continued build-out of CIB and other fee-generating businesses with positive operating leverage in the long term.
Segment performance
CIB experienced strong growth with over two dozen new relationships and nearly a dozen legacy relationships upsized across various business lines. It's a diversified CNI with over 42 industry niches. The securities portfolio had approximately 40% muni housing bonds (tax equivalent yield around 6%) and 60% mortgage-backed securities (around 460 range or better). In RESG, it may not be a major growth source in 2027 but headwinds from RESG repayments are expected to slow. The indirect lending group remained steady at ~13% of the portfolio and performed well. The commercial banking community banking group is expected to accelerate growth in 2027. Fee income areas like trust and wealth, mortgage, treasury management, and CIB's fee-based businesses are being developed.
Risks & headwinds
- **Market Competition**: Competition in deposit and loan markets, including pressure on deposit rates and loan pricing. - **CIB Business Pivots**: Potential slowdown or increased competition in specific CIB business lines leading to need to pivot. - **RESG Property Risks**: Risks associated with specific property types (office, life science) in certain regions within RESG portfolio. - **Interest Rate Uncertainty**: Uncertainty around future interest rate movements affecting net interest margin and credit costs.
Analyst Q&A
Q: Regarding risk assessment in CIB and what would cause pullback;
A: CIB is diversified across 42 industry niches, can pivot between business lines based on market conditions.
Q: On NIM and CIB loan mix;
A: CIB is predominantly variable rate, with efforts to manage deposit pricing and loan growth.
Q: On 2027 outlook and confidence in CIB growth;
A: CIB to be a growth engine, building scalable infrastructure similar to RESG.
Q: On margin and funding pressure;
A: Deposit team reducing rates despite competition, CIB is variable rate.
Q: On credit trends in RESG;
A: Economy is resilient, some property types in RESG are struggling but working through issues.
Q: On expense build in CIB;
A: Build-out to continue with positive operating leverage.
Q: On incremental inflow of new RESG loans;
A: Expect some inflow, but working to liquidate existing assets.
Q: On multifamily book and prepayments;
A: Multifamily is the largest property type, healthy but heaviest part of payoffs.
Q: On IQ HQ San Diego life science credit;
A: Excited about new leadership, tracking the project.
Q: On net interest margin and rate uncertainty;
A: Agnostic on rate movements, margin will move with market changes.
Q: On net charge-off expectations;
A: Assumes some inflows of assets into classified categories and efforts to resolve existing issues.