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

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

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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