Bank OZK očekává ve čtvrtém čtvrtletí roku 2026 mírný pokles úvěrového portfolia kvůli rekordním splátkám RESG, pro rok 2027 však cílí na růst úvěrů o 10–12 %.
3 high-yielding, small banks to buy on the dipBank OZK NASDAQ: OZK outlined plans for stronger loan growth in 2027 while acknowledging that elevated repayments in its Real Estate Specialties Group, or RESG, portfolio are expected to pressure loan balances in the fourth quarter of 2026.
During the company’s third-quarter conference call, Chairman and CEO George Gleason said third-quarter loan growth was driven primarily by Corporate and Institutional Banking, or CIB, with additional contributions from indirect RV and marine lending and community banking. However, several anticipated RESG repayments shifted from the third quarter into the fourth quarter.
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In the first 19 days of October, Bank OZK had already recorded roughly $690 million of RESG payoffs and paydowns, Gleason said. The company expects near-record, and potentially record, RESG repayments during the fourth quarter. As a result, the bank expects a modest retracement in loan balances during the quarter and maintained full-year loan growth guidance of 3% to 5%.
Loan Growth Expected to Accelerate in 2027 Looking ahead, Gleason said Bank OZK expects loan growth of 10% to 12% in 2027, supported by opportunities across its business lines. He said the projected growth outlook reflects both continued momentum in CIB, indirect lending and community banking, as well as the timing of repayments that may occur earlier than initially expected.
“We have a pretty good line of sight into opportunities that all of our business lines are working on,” Gleason said, while noting that prospective loans are not final until they close and are booked.
The bank expects loan growth to accelerate further in 2028 as the current wave of RESG repayments subsides. Gleason said RESG balances, which have been declining due to high payoff activity, could reach an inflection point and begin contributing to growth in 2028.
Bank OZK also launched a Powersports lending business on Oct. 1, expanding its indirect lending platform beyond RV and marine financing. Gleason said the new business can use some of the same dealer relationships while reaching a customer base that differs from its existing RV and marine borrowers.
Diversification Remains a Core Strategy Management emphasized that reducing concentration in commercial real estate remains a central strategic priority. Gleason said RESG represented about 70% of loans several years ago but has since fallen below 50% and continues to decline. CIB is expected to exceed RESG in outstanding balances at some point in 2027.
Gleason said CIB’s expansion does not simply replace one concentration with another because the business spans multiple loan types, geographies, industries and customers. The company said its CIB customer base includes borrowers across 44 different three-digit North American Industry Classification System codes.
Jake Munn, president of Corporate and Institutional Banking, said CIB now has nine major business lines and that recent loan growth was supported by more than 65 new relationships and more than 18 material loan upsizes. He said the portfolio had no past-due loans and no trailing net charge-offs at the end of the quarter.
Management said it remains focused on high-prime and super-prime borrowers in indirect lending, while community banking is pursuing more small-business and consumer relationships. Gleason said indirect lending has historically represented roughly 12% to 13% of loans and could rise a few percentage points above the company’s prior 10% to 15% target range following the Powersports launch.
Deposit Mix, Fee Income and Efficiency Bank OZK said it is investing in treasury management capabilities, technology and personnel to deepen relationships with CIB and community banking clients and generate more low-cost and non-interest-bearing deposits.
Munn said CIB deposits increased more than 20% quarter over quarter. He added that the bank is seeking to expand fee-generating services including commodity hedging, interest-rate hedging, capital markets offerings, private wealth and treasury management.
Gleason said the company has made more progress diversifying its loan portfolio than it has improving its deposit mix, but he expects more visible gains in deposits and fee income through 2027 and 2028. The company expects fourth-quarter non-interest income to set another record, excluding periods that included bargain-purchase gains from acquisitions, and projected high-single-digit growth in non-interest income in 2027 compared with 2026.
Management also said it is seeking to preserve its historically low efficiency ratio despite continued investments in customer-facing businesses and technology. Gleason said Bank OZK has reduced its total headcount by 94 employees over the past two quarters while adding personnel in targeted growth areas.
“That is not a result of getting out of any businesses,” Gleason said. “That is just a fact that we’ve looked at a lot of these things we built over the last decade and realized … we can re-engineer those units and be much more effective.”
Credit Outlook and Real Estate Assets The company said it is encouraged by leasing, refinancing and sales activity across its commercial real estate portfolio. President Brannon Hamblen cited continued leasing in multifamily, industrial, office and life-science properties, as well as liquidity in debt markets that has supported loan repayments.
Management said net charge-offs are likely to remain elevated in 2026 and 2027 but should show improvement during 2027. Chief Financial Officer Tim Hicks said lower special-mention balances and the company’s lowest quarterly net charge-off ratio of the year were positive developments, though future provisioning will also depend on loan growth and macroeconomic conditions.
Bank OZK reported approximately $420 million in foreclosed assets, consisting principally of seven properties. Gleason said the bank has active prospective buyers for all but one of the assets. For an Atlanta property, management is prioritizing leasing rather than a sale, citing potential upside from a patient approach.
The company also addressed the RaDD project in San Diego, where the mezzanine lender and equity sponsor contributed a combined $100 million of additional capital. Gleason said the additional investment and negotiations over potential future capital contributions demonstrate the sponsors’ commitment to the project. Hamblen said the property’s leasing strategy has expanded beyond local life-science and office users to include potential tenants in clinical research, pharmaceutical, technology, artificial intelligence and defense industries.
On capital deployment, Hicks said organic growth remains the bank’s first priority, while its capital levels also provide flexibility for share repurchases and continued dividend increases. Bank OZK has increased its dividend for 65 consecutive quarters, he said, and has repurchased nearly $1 billion of shares over the past five years.
About Bank OZK (NASDAQ:OZK)Bank OZK NASDAQ: OZK is a regional financial institution headquartered in Little Rock, Arkansas. The company provides banking services to individuals, businesses and institutions, including deposit accounts, commercial and consumer loans, mortgage lending, treasury management and online and mobile banking.
Bank OZK also operates specialized lending businesses, including its Real Estate Specialties Group, which provides financing for commercial real estate development and other complex real estate projects.
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Bank OZK ve třetím čtvrtletí roku 2026 vykázala čistý zisk připadající na kmenové akcionáře ve výši 164,3 milionu USD, což představuje meziroční pokles o 9,0 %; zisk na akcii činil 1,50 USD.
LITTLE ROCK, Ark., Oct. 20, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the third quarter of 2026 was $164.3 million, a decrease of 9.0% from $180.5 million for the third quarter of 2025, but an increase of 0.6% from $163.3 million for the second quarter of 2026. For the first nine months of 2026, net income available to common stockholders was $487.0 million, a 7.7% decrease from $527.4 million for the first nine months of 2025. Diluted earnings per common share (“EPS”) for the third quarter of 2026 were $1.50, a decrease of 5.7% from $1.59 for the third quarter of 2025, but an increase of 0.7% from $1.49 for the second quarter of 2026. EPS for the first nine months of 2026 were $4.43, a 4.5% decrease from $4.64 for the first nine months of 2025.
George Gleason, Chairman and Chief Executive Officer, stated, “We are pleased to report our solid financial results for the quarter including net income available to common stockholders of $164.3 million; EPS of $1.50; an annualized return on average assets of 1.55%; a net interest margin of 4.24%; an efficiency ratio of 39.9%; and record levels of total assets, loans and deposits. We continued to make significant progress on numerous strategic initiatives. We believe we are well-positioned for the future."
MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL
In connection with this release, the Bank released its management comments on its quarterly results and a financial supplement, which are available at the Bank's investor relations website.
Management will conduct a conference call to take questions at 7:30 a.m. CT (8:30 a.m. ET) on Wednesday, October 21, 2026. Interested parties may access the conference call live via webcast on the Bank’s investor relations website, or may participate via telephone by registering using this online form. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in 268 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $43.2 billion in total assets as of September 30, 2026. For more information, visit ozk.com.
The Bank files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (“FDIC”), copies of which are available electronically at the FDIC’s website and are also available on the Bank’s investor relations website at ir.ozk.com. Use this online form to receive automated email notifications for these materials.
FORWARD-LOOKING STATEMENTS
This press release and other communications by the Bank and its management may include certain statements that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “hopes,” “estimates,” “intends,” “plans,” “goals,” “believes,” "feels," “continue” and other similar expressions or future or conditional verbs such as “will,” “may,” “might,” “should,” “would” and “could.” Forward-looking statements represent the Bank’s current expectations, plans or forecasts of its future results, revenues, liquidity, net interest income, provision for credit losses, expenses, efficiency ratio, capital measures, strategy, deposits, assets, and future business and economic conditions more generally, and other future matters. These statements are not guarantees of future results or performance and involve certain known and unknown risks, uncertainties and assumptions that are difficult to predict and are often beyond the Bank’s control. Actual outcomes and results may differ materially from those expressed in, or implied by, any of these forward-looking statements.
Bank OZK zvýšila čtvrtletní dividendu na 0,49 USD na akcii, což odpovídá dividendovému výnosu 4,31 %. Rizikem nadále zůstává portfolio stavebních úvěrů a růst úvěrů vyžadujících zvýšenou pozornost.
Bank OZK has raised its dividend every single quarter since 2019, and the yield now sits above 4%. But the bank's massive construction loan book carries a warning that income investors cannot afford to ignore.
Bank OZK (NASDAQ:OZK | OZK Price Prediction) declared a quarterly dividend of $0.49 per share on October 1, up from $0.48. This equals $1.96 a year and a forward yield of 4.31%. The raise came to about 2.1%. Small increases are the whole method here: OZK adds about a penny every quarter.
A Higher Check Every Quarter Since 2019
The dividend record shows a larger payment each quarter, rising from $0.22 in January 2019 to today’s $0.49, a gain of about 123%. The increases continued through 2020, even if some were tiny, rising from $0.27 to $0.2725 to $0.275. The stock is up only 0.83% over the past year at $45.56, so most of the yield’s rise comes from the growing payout.
Earnings Cover the Dividend Three Times Over
Trailing 12-month EPS is $6.06, and the forward dividend uses about 32% of it. That share is the payout ratio, meaning the piece of profit sent to shareholders. At about a third, the bank keeps most of its earnings to absorb losses. Second-quarter EPS of $1.49 beat the $1.46 estimate but came in below the $1.58 from a year earlier. Over the past six quarters, quarterly EPS has stayed between $1.44 and $1.59.
Shares trade at 0.863 times book value of $54.47 per share and about 8 times trailing earnings. Chief Financial Officer Tim Hicks said OZK used about $175 million of a $200 million buyback authorization over four quarters, buying below tangible book value. OZK now has a new $200 million authorization in place.
Construction Lending Is the Real Test
OZK’s Real Estate Specialties Group (RESG) makes large construction loans, the riskiest part of commercial real estate lending. On the July 22 call, Chairman and CEO George Gleason said RESG repayments came to almost $10 billion over four quarters.
“The RESG portfolio is recycling in a constructive and healthy and normal way.”
Gleason said OZK is now below regulators’ concentration guideline for total commercial real estate. He expects construction loans to drop under the 100% guideline by year-end or early next year. On credit, special mention loans rose. These loans are flagged for closer monitoring but have not yet been marked as problems. OZK also charged off $22 million on a Seattle office building.
“I think there’ll be a few more bumps in the road and we’ll have a few more problem assets.”
Hicks said those losses had already been reserved for in advance: “I think we take a very cautious, prudent approach to building the ACL at the appropriate time.” The ACL, or allowance for credit losses, is the buffer a bank sets aside for loans it expects to go bad.
How OZK Compares With Two Southern Rivals
Prosperity Bancshares (NYSE:PB) pays $0.60 a quarter, about 37% of its second-quarter adjusted EPS of $1.62. It increases once a year. Cullen Zalman said the latest raise “reflects the continued confidence the Board has in our company and our markets.” Prosperity is also absorbing the Stellar deal, which closed July 1, 2026. Pinnacle Financial Partners (NYSE:PNFP) pays $0.24 a quarter against third-quarter 2025 EPS of $2.27, about 11%. That low payout keeps capital on hand for its Synovus merger.
Verdict for Income Investors
OZK’s 4.31% yield looks durable. A payout near one-third, steady quarterly earnings and a shrinking construction book give the board room to keep adding pennies. Credit is the main risk. If office or life-science loans go bad faster than reserves expect, the increases could slow. Management expects the newer corporate lending unit to match RESG in size in 2027, which would make the loan book less concentrated. Income investors should track special mention loans and charge-offs every quarter.
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Bank stocks are considered some of the best options for dividends for a few reasons.
They are typically mature, stable companies with steady cash flows. They also must adhere to strict regulatory standards for holding cash to withstand downturns with plenty of liquidity.
Banks have slow, steady growth, which tends to moderate the gains in their share prices. With slower rising stock prices, they typically have higher dividend yields, since yields are calculated by dividing the annual dividend by the stock price. The lower the stock price, the higher the yield for a given payout amount.
Large bank stocks get a lot of attention for their dividends, but there are only a couple of large banks in the list of S&P 500 Dividend Kings, which are stocks of companies that have raised their dividends for 50 or more years in a row. There are also few banks in the S&P 500 Dividend Aristocrats® list, which are stocks with 25 years in a row or more of dividend increases (the term Dividend Aristocrats® is a registered trademark of Standard & Poor’s Financial Services LLC).
There are only a handful of banks in the S&P High Yield Dividend Aristocrats Index, which features stocks from the S&P Composite 1500 with 20 or more years of annual dividend raises. One of them is Bank OZK (OZK -4.31%), which used to be known as Bank of the Ozarks.
Image source: Getty Images.
Bank OZK, the best bank dividend stock The large banks have more stringent regulatory standards than many smaller regional and community banks, so they were barred from raising their dividends during the COVID-19 crash. Some held their dividends in check, but many had to reduce them.
But Little Rock, Arkansas-based Bank OZK, the 52nd-largest U.S. bank with $41.7 billion in assets, is not subject to the same capital requirements as the large banks. Thus, it was able to increase its dividend through the dot-com bear market, the Great Recession, and the COVID-19 crash.
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In fact, it has increased its annual dividend for 28 years straight.
But more remarkably, Bank OZK has increased its quarterly dividend for 65 quarters in a row. That means it has raised its dividend every quarter for the past 16-plus years. The most recent increase came last week when it raised its dividend to $0.49 per share.
Why Bank OZK can sustain its dividend Bank OZK stands alone among banks, and probably most other dividend stocks, in its consistency.
In addition to its streak of regularly increasing its dividends, it pays out a dividend yield of 4.2%, which is one of the highest yields you will find among banks.
Its sustainability is likely based on its low payout ratio of just 30%, meaning that just 30% of its earnings go toward its dividend. That also indicates that even if it has a difficult quarter where earnings take a hit, it has plenty of leeway to keep raising or maintaining its dividend.
Another major sign of its ability to maintain its dividend consistency is its $1.55 billion in cash and record $19.7 billion in primary and secondary liquidity. That includes $1.5 billion in cash, $3.2 billion in unpledged investment securities, $8.3 billion of available Federal Home Loan Bank (FHLB) borrowing capacity, $5.4 billion of Federal Reserve discount window borrowing availability, and $1.2 billion of available unsecured lines of credit.
In the second quarter, its common equity tier 1 (CET1) ratio, which regulators use to measure a bank's capital strength, rose to 11.8%, up from 11.6% in Q1. The regulatory minimum to be considered well-capitalized is 6.5%.
It all adds up to a fantastic dividend stock that is poised to maintain its status as one of the most consistent and reliable dividend stocks among banks.
Bank OZK zvýšila čtvrtletní dividendu na kmenové akcie na 0,49 USD na akcii, tedy o 2,08 % oproti předchozímu čtvrtletí. Jde o 65. po sobě jdoucí zvýšení.
Sixty-five consecutive quarters of quarterly common stock dividend increases | Source: Bank OZK
LITTLE ROCK, Ark., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) announced its Board of Directors declared a quarterly cash dividend on the Bank’s common stock of $0.49 per share, up $0.01, or 2.08% from the prior quarter. The common stock dividend is payable on October 20, 2026 to shareholders of record as of October 13, 2026. This marks the Bank’s 65th consecutive increase in its quarterly common stock dividend.
The Board of Directors also declared a quarterly cash dividend of $0.28906 per share on the Bank’s 4.625% Series A Non-Cumulative Perpetual Preferred Stock (“Series A Preferred Stock”) (Nasdaq: OZKAP) for the period covering August 15, 2026 through, but excluding November 15, 2026. The Series A Preferred Stock dividend is payable on November 16, 2026, to holders of record of the Series A Preferred Stock at the close of business on November 2, 2026.
Bank OZK’s consistent track record of increasing its common stock dividend has led to it being included in the S&P High Yield Dividend Aristocrats® index (Ticker: SPHYDA) since January 2018. The index consists of members of the S&P Composite 1500® that have followed a managed-dividends policy of consistently increasing common stock dividends every year for at least 20 years, and that meet minimum float-adjusted market capitalization and liquidity requirements. For more information on the index, visit www.spglobal.com/spdji.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in 267 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $41.7 billion in total assets as of June 30, 2026. For more information, visit ozk.com.
Corient Private Wealth LP boosted its position in shares of Bank OZK (NASDAQ:OZK – Free Report) by 12.0% in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 182,738 shares of the company’s stock after purchasing an additional 19,595 shares during the period. Corient Private Wealth LP owned approximately 0.16% of Bank OZK worth $9,519,000 at the end of the most recent reporting period.
Several other hedge funds and other institutional investors have also recently added to or reduced their stakes in OZK. Northwestern Mutual Wealth Management Co. increased its position in shares of Bank OZK by 2.1% in the 2nd quarter. Northwestern Mutual Wealth Management Co. now owns 10,305 shares of the company’s stock worth $537,000 after purchasing an additional 212 shares during the last quarter. Kera Capital Partners Inc. lifted its stake in Bank OZK by 2.1% during the fourth quarter. Kera Capital Partners Inc. now owns 11,336 shares of the company’s stock worth $539,000 after purchasing an additional 236 shares during the last quarter. Hantz Financial Services Inc. boosted its holdings in Bank OZK by 36.6% in the fourth quarter. Hantz Financial Services Inc. now owns 1,582 shares of the company’s stock worth $73,000 after purchasing an additional 424 shares during the period. Concurrent Investment Advisors LLC boosted its holdings in Bank OZK by 3.3% in the second quarter. Concurrent Investment Advisors LLC now owns 14,183 shares of the company’s stock worth $739,000 after purchasing an additional 450 shares during the period. Finally, Sigma Planning Corp boosted its holdings in Bank OZK by 6.6% in the second quarter. Sigma Planning Corp now owns 7,671 shares of the company’s stock worth $400,000 after purchasing an additional 472 shares during the period. Hedge funds and other institutional investors own 86.18% of the company’s stock.
Wall Street Analysts Forecast Growth A number of analysts have weighed in on OZK shares. TD Cowen dropped their target price on shares of Bank OZK from $53.00 to $52.00 and set a “hold” rating on the stock in a report on Friday, July 24th. Raymond James Financial began coverage on shares of Bank OZK in a report on Tuesday, September 1st. They issued a “market perform” rating for the company. Wells Fargo & Company boosted their price objective on shares of Bank OZK from $52.00 to $56.00 and gave the company an “equal weight” rating in a research report on Monday, August 10th. UBS Group increased their price objective on shares of Bank OZK from $50.00 to $51.00 and gave the stock a “neutral” rating in a research note on Tuesday, July 28th. Finally, Morgan Stanley cut shares of Bank OZK from an “equal weight” rating to an “underweight” rating and set a $56.00 target price on the stock. in a report on Tuesday, September 8th. Three investment analysts have rated the stock with a Buy rating, five have assigned a Hold rating and three have assigned a Sell rating to the company’s stock. According to data from MarketBeat, the stock presently has an average rating of “Hold” and a consensus price target of $56.88.
Get Our Latest Stock Report on Bank OZK Bank OZK Trading Down 2.4% Shares of OZK stock opened at $47.99 on Thursday. The company has a debt-to-equity ratio of 0.08, a quick ratio of 0.97 and a current ratio of 0.97. Bank OZK has a 1 year low of $42.37 and a 1 year high of $53.41. The stock has a fifty day moving average of $50.47 and a two-hundred day moving average of $48.77. The firm has a market capitalization of $5.37 billion, a PE ratio of 7.93 and a beta of 0.88.
Bank OZK (NASDAQ:OZK – Get Free Report) last issued its quarterly earnings results on Tuesday, July 21st. The company reported $1.49 EPS for the quarter, beating analysts’ consensus estimates of $1.48 by $0.01. The company had revenue of $430.02 million for the quarter, compared to analyst estimates of $436.42 million. Bank OZK had a return on equity of 11.87% and a net margin of 24.95%.The company’s quarterly revenue was up .5% compared to the same quarter last year. During the same period last year, the company earned $1.47 earnings per share. As a group, research analysts expect that Bank OZK will post 5.83 EPS for the current year.
Bank OZK announced that its board has approved a share repurchase program on Monday, June 29th that authorizes the company to buyback $200.00 million in outstanding shares. This buyback authorization authorizes the company to repurchase up to 3.4% of its stock through open market purchases. Stock buyback programs are often a sign that the company’s management believes its shares are undervalued.
Bank OZK Increases Dividend The business also recently announced a quarterly dividend, which was paid on Monday, July 20th. Investors of record on Monday, July 13th were given a $0.48 dividend. The ex-dividend date was Monday, July 13th. This represents a $1.92 dividend on an annualized basis and a yield of 4.0%. This is a boost from Bank OZK’s previous quarterly dividend of $0.47. Bank OZK’s payout ratio is currently 31.74%.
Bank OZK Company Profile (Free Report)
Bank OZK is a regional financial institution headquartered in Little Rock, Arkansas. The company provides banking services to individuals, businesses and institutions through a network of banking offices concentrated in the Southeastern United States and select markets, including New York and California.
Its products and services include checking and savings accounts, certificates of deposit, residential and commercial real estate loans, consumer lending, commercial and industrial financing, treasury management and other business banking solutions.
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Bank OZK v 2. čtvrtletí 2026 překonal odhad EPS na 1,49 USD, ale čistý zisk, NII i kvalita úvěrů se zhoršily. Akcie jsou od poslední výsledkové zprávy asi o 2,9 % níže.
It has been about a month since the last earnings report for Bank OZK (OZK - Free Report) . Shares have lost about 2.9% in that time frame, underperforming the S&P 500.
Will the recent negative trend continue leading up to its next earnings release, or is Bank OZK due for a breakout? Well, first let's take a quick look at its latest earnings report in order to get a better handle on the recent drivers for Bank OZK before we dive into how investors and analysts have reacted as of late.
Bank OZK Q2 Earnings Beat Estimates on Higher Fee IncomeBank OZK reported second-quarter 2026 earnings per share of $1.49, which surpassed the Zacks Consensus Estimate of $1.46. However, the bottom line declined 5.7% year over year from $1.58.
Results benefited from higher non-interest income and deposit balances. Progress in the strategic diversification of the loan portfolio also provided support. However, a higher provision for credit losses, rising expenses, lower net interest income (NII) and weakening credit quality were headwinds.
Net income available to common shareholders was $163.3 million, down 8.7% from the year-ago quarter’s $178.9 million. Our estimate for the metric was $158.3 million.
Revenues & Expenses RiseNet revenues were $430.02 million, up 0.5% year over year. The top line missed the Zacks Consensus Estimate of $432.02 million.
NII was $392.1 million, down 1.2% year over year. Our estimate for the metric was $397.3 million.
The net interest margin (NIM), on a fully-taxable-equivalent basis, contracted 12 basis points year over year to 4.24%. Our estimate for NIM was 4.13%.
Non-interest income was $37.9 million, up 21% from the year-ago quarter. The increase reflected growth in deposit-related fees, loan-related fees and other income. Our estimate for the metric was $32.7 million.
Non-interest expenses were $170.6 million, up 11.4% from the prior-year quarter. The increase was due to higher salaries and employee benefits, net occupancy and equipment costs and other operating expenses. We expected this metric to be $166.4 million.
Bank OZK’s efficiency ratio was 39.16%, up from 35.46% in the year-ago quarter, indicating reduced profitability.
Loan Balances Decline & Deposits RiseAs of June 30, 2026, total loans were $32.6 billion, down 1.3% from the prior quarter. Total deposits were $34 billion, reflecting increases of 0.7% sequentially. Our estimates for total loans and deposits were $33.7 billion and $34.7 billion, respectively.
Credit Quality WeakensNet charge-offs to average total loans grew to 0.69% from 0.10% in the year-ago quarter. Provision for credit losses was $45.6 million, rising 29.5% year over year. We projected provisions of $52.3 million.
The ratio of non-performing loans to total loans was 0.92% as of June 30, 2026, up from 0.18% a year ago. The non-performing assets-to-total assets ratio increased to 1.42% from 0.53%.
Profitability Ratios DeclineAt the end of the second quarter, return on average assets was 1.60%, down from 1.81% in the year-earlier quarter. Return on average common equity also declined to 11.14% from 12.98%.
Share Repurchase UpdateDuring the second quarter, Bank OZK repurchased 0.33 million shares for $15.5 million. This was part of the company’s June 2025 share buyback program.
How Have Estimates Been Moving Since Then?Since the earnings release, investors have witnessed a downward trend in fresh estimates.
The consensus estimate has shifted -5.74% due to these changes.
VGM ScoresCurrently, Bank OZK has a poor Growth Score of F, however its Momentum Score is doing a bit better with a D. However, the stock was allocated a score of B on the value side, putting it in the top 40% for value investors.
Overall, the stock has an aggregate VGM Score of D. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. It's no surprise Bank OZK has a Zacks Rank #4 (Sell). We expect a below average return from the stock in the next few months.
Bank of America Corp DE grew its position in Bank OZK (NASDAQ:OZK – Free Report) by 33.0% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 774,253 shares of the company’s stock after buying an additional 192,237 shares during the quarter. Bank of America Corp DE owned 0.69% of Bank OZK worth $35,530,000 as of its most recent filing with the Securities and Exchange Commission.
Several other hedge funds have also made changes to their positions in the business. BOKF NA purchased a new position in Bank OZK in the third quarter valued at $27,000. Bayforest Capital Ltd increased its position in shares of Bank OZK by 100.5% during the fourth quarter. Bayforest Capital Ltd now owns 766 shares of the company’s stock worth $35,000 after purchasing an additional 384 shares in the last quarter. Eurizon Capital SGR S.p.A. purchased a new stake in Bank OZK in the fourth quarter valued at approximately $36,000. Transamerica Financial Advisors LLC grew its position in Bank OZK by 111.2% during the 4th quarter. Transamerica Financial Advisors LLC now owns 830 shares of the company’s stock worth $38,000 after purchasing an additional 437 shares during the last quarter. Finally, Atlas Capital Advisors Inc. purchased a new position in shares of Bank OZK during the fourth quarter worth about $47,000. Institutional investors and hedge funds own 86.18% of the company’s stock.
Analysts Set New Price Targets A number of brokerages have commented on OZK. Piper Sandler restated an “overweight” rating and set a $61.00 price objective on shares of Bank OZK in a research report on Wednesday, July 22nd. Morgan Stanley upped their target price on Bank OZK from $54.00 to $56.00 and gave the company an “equal weight” rating in a report on Monday, June 29th. Weiss Ratings raised Bank OZK from a “buy (b-)” rating to a “buy (b)” rating in a research note on Tuesday, June 23rd. Wells Fargo & Company lifted their price target on shares of Bank OZK from $52.00 to $56.00 and gave the stock an “equal weight” rating in a report on Monday, August 10th. Finally, UBS Group raised their price target on Bank OZK from $50.00 to $51.00 and gave the stock a “neutral” rating in a research note on Tuesday, July 28th. Three equities research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has given a Sell rating to the company’s stock. According to data from MarketBeat, the company presently has a consensus rating of “Hold” and an average price target of $56.88.
Read Our Latest Stock Report on Bank OZK
Bank OZK Stock Up 0.5% OZK stock opened at $52.49 on Friday. The firm has a fifty day moving average price of $51.04 and a two-hundred day moving average price of $48.70. The company has a debt-to-equity ratio of 0.08, a current ratio of 0.97 and a quick ratio of 1.00. Bank OZK has a 1-year low of $42.37 and a 1-year high of $53.66. The firm has a market cap of $5.87 billion, a price-to-earnings ratio of 8.68 and a beta of 0.89.
Bank OZK (NASDAQ:OZK – Get Free Report) last posted its quarterly earnings results on Tuesday, July 21st. The company reported $1.49 EPS for the quarter, beating the consensus estimate of $1.48 by $0.01. The business had revenue of $430.02 million during the quarter, compared to analyst estimates of $436.42 million. Bank OZK had a net margin of 24.95% and a return on equity of 11.87%. The company’s quarterly revenue was up .5% on a year-over-year basis. During the same period in the previous year, the business posted $1.47 EPS. Research analysts predict that Bank OZK will post 5.86 EPS for the current year.
Bank OZK declared that its Board of Directors has initiated a stock repurchase plan on Monday, June 29th that permits the company to buyback $200.00 million in shares. This buyback authorization permits the company to buy up to 3.4% of its shares through open market purchases. Shares buyback plans are usually an indication that the company’s board believes its stock is undervalued.
Bank OZK Increases Dividend The business also recently disclosed a quarterly dividend, which was paid on Monday, July 20th. Investors of record on Monday, July 13th were paid a dividend of $0.48 per share. This represents a $1.92 dividend on an annualized basis and a yield of 3.7%. The ex-dividend date was Monday, July 13th. This is an increase from Bank OZK’s previous quarterly dividend of $0.47. Bank OZK’s dividend payout ratio (DPR) is currently 31.74%.
About Bank OZK (Free Report)
Bank OZK, formerly known as Bank of the Ozarks, is a regional commercial bank headquartered in Little Rock, Arkansas. Established in 1903, the bank offers a full suite of banking products and services to both individual and corporate clients. Through a combination of organic growth and targeted acquisitions, Bank OZK has built a diversified lending portfolio and a strong deposit franchise.
The bank’s core operations focus on commercial real estate lending, including acquisition, development and construction financing.
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Bank OZK (OZK) Q2 2026 Earnings Call July 22, 2026 8:30 AM EDT
Company Participants
Jay Staley
George Gleason - Chairman & CEO
Jake Munn - President of Corporate & Institutional Banking
Paschall Hamblen - President
Tim Hicks - Chief Financial Officer
Conference Call Participants
Stephen Scouten - Piper Sandler & Co., Research Division
Matt Olney - Stephens Inc., Research Division
Manan Gosalia - Morgan Stanley, Research Division
Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division
Brian Martin - Brean Capital, LLC, Research Division
Timur Braziler - UBS Investment Bank, Research Division
Sun Young Lee - TD Cowen, Research Division
Presentation
Operator
Ladies and gentlemen, thank you for standing by. Welcome to Bank OZK Second Quarter 2026 Earnings Conference Call. [Operator Instructions].
Please be advised that today's conference is being recorded.
I would like to turn the conference over to Jay Staley, Managing Director of Investor Relations and Corporate Development. Please go ahead.
Jay Staley
Good morning. I'm Jay Staley, Managing Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session.
In today's Q&A session, we may make forward-looking statements about our expectations, estimates and outlook for the future. Please refer to our earnings release, management comments, financial supplement and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements.
Joining me on the call to take your questions are George Gleason, Chairman and CEO; Brannon Hamblen, President; Tim Hicks, Chief Financial Officer; and Jake Munn, President, Corporate and Institutional Banking.
We'll now open up the lines for your questions. Let me now ask our operator, Michelle, to remind our listeners how to queue in for questions.
Bank OZK uvedla, že rychle roste v oblasti korporátního a institucionálního bankovnictví a pomáhá jí to snižovat koncentraci v realitních úvěrech. Splátky v RESG ve druhém čtvrtletí přiblížily se 3 miliardám USD.
3 high-yielding, small banks to buy on the dipBank OZK NASDAQ: OZK executives used the company’s second-quarter 2026 earnings call to emphasize the bank’s ongoing shift toward a more diversified loan portfolio, with rapid growth in corporate and institutional banking helping offset elevated repayments in its real estate specialties group.
Chairman and CEO George Gleason said the corporate and institutional banking, or CIB, business is “a very important and rapidly growing and developing part” of the franchise. He said the bank is investing in the unit and hiring experienced leadership as it seeks to reduce concentration in commercial real estate and the real estate specialties group, or RESG.
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“We want to make sure that we are not trading one concentration for another,” Gleason said, adding that diversification within CIB is important to long-term franchise value.
CIB Growth Adds Diversification Jake Munn, president of corporate and institutional banking, said CIB now includes more than seven major business lines, including corporate banking and sponsor finance, fund finance, lender finance, natural resources, franchise capital solutions, asset-based lending and equipment finance.
Munn also highlighted the bank’s emerging middle market group, which he said is intended to bridge the gap between the legacy community bank and the larger corporate banking and sponsor finance segment. The group will focus on family-owned businesses with roughly $15 million to $100 million in revenue, particularly within Bank OZK’s core footprint.
According to Munn, CIB currently represents more than 42 unique NAICS categories, giving the bank flexibility to adjust its emphasis across business lines as market conditions change. He said growth in the most recent quarter was led by corporate banking and sponsor finance, along with natural resources, while asset-based lending was less emphasized because of tighter pricing and more aggressive advance rates in that market.
Munn said the bank views CIB as more than a loan-growth engine, pointing to potential deposit opportunities and cross-selling in treasury management, private wealth management, commodity hedging, interest-rate hedging and capital markets services.
RESG Repayments Expected to Remain Elevated Executives said repayments in the RESG portfolio remained high in the second quarter and are expected to stay elevated through the rest of 2026 and into 2027. Gleason said repayments approached $3 billion in the second quarter and averaged about $2.5 billion per quarter over the trailing four quarters.
Gleason said the elevated repayment activity is tied to the natural cadence of loans originated during 2022, which he described as a record origination year. He said the bank expects repayments to taper somewhat in 2027 but remain elevated based on current projections.
President Brannon Hamblen said repayment timing can shift based on market conditions, sponsor strategies, refinancing activity, sales decisions and cap-rate changes. “A lot of it’s just the natural cadence of the portfolio moving through the pipe,” Hamblen said.
Despite the repayment headwind, Gleason said the bank continues to expect mid-single-digit loan growth for the full year. He said a wave of repayments early in the second quarter pressured average earning assets, making it difficult to catch up during the rest of the period.
“Hopefully those prepayments will be a little more levelized in Q3 and Q4,” Gleason said.
Net Interest Income Guidance Pressured by Average Earning Assets Asked about changes in net interest income commentary, Gleason said the principal factor was average earning assets rather than deposit competition or liability-side pressures. He said the bank had expected more linear growth during the year but experienced a pullback in the second quarter after early loan payoffs.
Gleason said Bank OZK had anticipated a competitive deposit environment at the start of the year, and that environment has continued. He said the bank’s view of net interest margin is broadly consistent with analyst consensus estimates and reiterated that management expects margin to be slightly below the first quarter’s 4.20% level.
On deposit costs, Gleason said the bank’s CD specials are roughly 10 basis points higher than their low point, reflecting expectations for more deposit growth in the third and fourth quarters to support loan growth. He said the second-quarter cost of interest-bearing deposits likely represented an inflection point and that modest increases are expected going forward.
Chief Financial Officer Tim Hicks said he expects average earning assets to increase in both the third and fourth quarters from the second-quarter level.
Credit Trends and Reserves Remain in Focus Credit quality was a major focus of the call, with analysts asking about special mention loans, life science exposure and charge-offs. Gleason said the increase in special mention loans should not be overinterpreted, noting that some loans enter the category while extension or recapitalization discussions are underway and later return to pass status.
“I think there are several of them that look like they’re going to work out favorably and be candidates for upgrade over the next couple of quarters, if not the next month or two,” Gleason said.
Hicks said Bank OZK had built its allowance for credit losses in recent years in anticipation of later charge-offs. As those charge-offs are realized, he said the bank has considered it appropriate to reduce the allowance over the last couple of quarters. He cited two Seattle buildings that moved into other real estate owned during the quarter, with charge-offs of $22 million on the office property and $3.7 million on the life science property, saying those amounts had already been reserved for in the prior quarter.
Hicks said provision expense has been below consensus estimates over the last several quarters and could continue to “drift down” if the economy maintains its resiliency and strength.
On life science, Gleason said the bank has a “pretty healthy” allowance for the portfolio given sector challenges. He said several life science assets are well leased, while one life science loan that was exited through a discounted payoff was, in his view, probably the least desirable single asset in the portfolio. Hamblen said tenant activity has improved in some markets, including interest from technology, AI and office users in addition to life science tenants.
Real Estate Concentration Continues to Decline Gleason said muted RESG origination volume and ongoing repayments will continue to reduce the bank’s real estate concentration. He said Bank OZK is now below the regulatory concentration guideline for total commercial real estate and expects to be below the 100% guideline for construction and development by the end of 2026 or early 2027.
Management expects the CIB and RESG portfolios to become roughly equal in size at some point in 2027. Gleason said that implies continued strong growth in CIB and continued paydowns in RESG. He also said the community banking, indirect and RV portfolios could show more positive momentum through 2027, resulting in a more balanced portfolio across major segments.
Asked about share repurchases, Hicks said the bank used about $175 million of its prior $200 million authorization over the last four quarters at an average price below tangible book value. He said the board has approved a new $200 million authorization for the next four quarters, with actual usage dependent on the stock price.
Gleason closed the call by saying management looks forward to updating investors again next quarter.
About Bank OZK (NASDAQ:OZK)Bank OZK, formerly known as Bank of the Ozarks, is a regional commercial bank headquartered in Little Rock, Arkansas. Established in 1903, the bank offers a full suite of banking products and services to both individual and corporate clients. Through a combination of organic growth and targeted acquisitions, Bank OZK has built a diversified lending portfolio and a strong deposit franchise.
The bank's core operations focus on commercial real estate lending, including acquisition, development and construction financing.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
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Bank OZK oznámila za 2. čtvrtletí 2026 čistý zisk připadající na kmenové akcionáře ve výši 163,3 mil. USD a EPS 1,49 USD. Zisk meziročně klesl, ale oproti 1. čtvrtletí vzrostl.
LITTLE ROCK, Ark., July 21, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the second quarter of 2026 was $163.3 million, a decrease of 8.7% from $178.9 million for the second quarter of 2025, but an increase of 2.5% from $159.3 million for the first quarter of 2026. For the first six months of 2026, net income available to common stockholders was $322.6 million, a 7.0% decrease from $346.8 million for the first six months of 2025. Diluted earnings per common share (“EPS”) for the second quarter of 2026 were $1.49, a decrease of 5.7% from $1.58 for the second quarter of 2025, but an increase of 3.5% from $1.44 for the first quarter of 2026. EPS for the first six months of 2026 were $2.93, a 3.9% decrease from $3.05 for the first six months of 2025.
George Gleason, Chairman and Chief Executive Officer, stated, “We are pleased to report our solid financial results for the quarter including EPS of $1.49, a 1.60% return on assets, a 4.24% net interest margin, a 39.2% efficiency ratio, strong increases in our book value and tangible book value per common share, and meaningful increases in our capital ratios. We continued to make significant progress with the strategic diversification of our loan portfolio. Our solid financial performance and steady progress on numerous strategic initiatives have us well-positioned for the future.”
MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL
In connection with this release, the Bank released its management comments on its quarterly results and a financial supplement, which are available at the Bank's investor relations website.
Management will conduct a conference call to take questions at 7:30 a.m. CT (8:30 a.m. ET) on Wednesday, July 22, 2026. Interested parties may access the conference call live via webcast on the Bank’s investor relations website, or may participate via telephone by registering using this online form. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in 267 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $41.7 billion in total assets as of June 30, 2026. For more information, visit ozk.com.
The Bank files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (“FDIC”), copies of which are available electronically at the FDIC’s website and are also available on the Bank’s investor relations website at ir.ozk.com. Use this online form to receive automated email notifications for these materials.
FORWARD-LOOKING STATEMENTS
This press release and other communications by the Bank and its management may include certain statements that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “hopes,” “estimates,” “intends,” “plans,” “goals,” “believes,” " feels," “continue” and other similar expressions or future or conditional verbs such as “will,” “may,” “might,” “should,” “would” and “could.” Forward-looking statements represent the Bank’s current expectations, plans or forecasts of its future results, revenues, liquidity, net interest income, provision for credit losses, expenses, efficiency ratio, capital measures, strategy, deposits, assets, and future business and economic conditions more generally, and other future matters. These statements are not guarantees of future results or performance and involve certain known and unknown risks, uncertainties and assumptions that are difficult to predict and are often beyond the Bank’s control. Actual outcomes and results may differ materially from those expressed in, or implied by, any of these forward-looking statements.
Bank OZK zvýšila čtvrtletní dividendu na kmenové akcie na 0,48 USD na akcii, tedy o 2,13 %; jde už o 64. po sobě jdoucí čtvrtletí růstu. Zároveň schválila i dividendu 0,28906 USD na preferenční akcii Series A.
Sixty-four consecutive quarters of increased quarterly cash dividend on its common stock July 01, 2026 16:01 ET | Source: Bank OZK
LITTLE ROCK, Ark., July 01, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) announced its Board of Directors declared a quarterly cash dividend on the Bank’s common stock of $0.48 per share, up $0.01, or 2.13% from the prior quarter. The common stock dividend is payable on July 20, 2026 to shareholders of record as of July 13, 2026. Bank OZK has increased its quarterly cash dividend on its common stock in each of the last sixty-four quarters.
The Board of Directors also declared a quarterly cash dividend of $0.28906 per share on the Bank’s 4.625% Series A Non-Cumulative Perpetual Preferred Stock (“Series A Preferred Stock”) (Nasdaq: OZKAP) for the period covering May 15, 2026 through, but excluding August 15, 2026. The Series A Preferred Stock dividend is payable on August 17, 2026, to the holders of record of the Series A Preferred Stock at the close of business on August 3, 2026.
Bank OZK’s consistent track record of increasing its common stock dividend has led to it being included in the S&P High Yield Dividend Aristocrats® index (Ticker: SPHYDA) since January 2018. The index consists of members of the S&P Composite 1500® that have followed a managed-dividends policy of consistently increasing common stock dividends every year for at least 20 years, and that meet minimum float-adjusted market capitalization and liquidity requirements. For more information on the index, visit www.spglobal.com/spdji.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in more than 265 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $41.7 billion in total assets as of March 31, 2026. For more information, visit ozk.com.
LITTLE ROCK, Ark., June 30, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) expects to report its second quarter 2026 earnings after the market closes on Tuesday, July 21, 2026. Management comments on the second quarter of 2026 will be released simultaneously with the earnings press release and financial supplement which will be available on the Bank’s investor relations website.
Management will conduct a conference call to take questions at 7:30 a.m. CT (8:30 a.m. ET) on Wednesday, July 22, 2026. Interested parties may access the conference call live via webcast on the Bank’s investor relations website, or may participate via telephone by registering using this online form. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank's website for at least 30 days.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in more than 265 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $41.7 billion in total assets as of March 31, 2026. For more information, visit ozk.com.
LITTLE ROCK, Ark., June 29, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that its Board of Directors has approved a stock repurchase program (the “Stock Repurchase Program”) authorizing the purchase of up to $200 million of outstanding common stock. The Stock Repurchase Program has received all necessary regulatory approvals and will become effective July 1, 2026, upon the expiration of the Bank’s current stock repurchase program, and will remain in effect through July 1, 2027, unless extended or shortened by the Board of Directors.
Under the Stock Repurchase Program, the Bank may repurchase shares of its common stock from time to time at prevailing market prices, through open market or privately negotiated transactions, or otherwise in accordance with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange Act of 1934 (the “Exchange Act”). In establishing parameters for repurchase price and share volume, management will consider a variety of factors including stock price, expected growth, capital position, alternative uses of capital, liquidity, financial performance, the current and expected macroeconomic environment, regulatory requirements and other factors. The Stock Repurchase Program does not obligate the Bank to repurchase any particular amount of common stock, and the program may be suspended, modified or discontinued at any time.
Under the previously approved stock repurchase program that expires on July 1, 2026, the Bank has repurchased 3.89 million shares of common stock for $176.6 million (including applicable federal excise tax) for an average price per share of $45.34.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in more than 265 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $41.7 billion in total assets as of March 31, 2026. For more information, visit ozk.com.
