Bank OZK (OZK) Company Report

Analyst Coverage

Research analysts who have asked questions during Bank OZK earnings calls.

Brian Martin

Janney Montgomery Scott

5 questions for OZK

Also covers: BFIN, BY, EFSC +10 more

Manan Gosalia

Morgan Stanley

5 questions for OZK

Also covers: CADE, CFG, CFR +16 more

Stephen Scouten

Piper Sandler & Co.

5 questions for OZK

Also covers: ABCB, AMTB, AUB +24 more

Catherine Mealor

Keefe, Bruyette & Woods

4 questions for OZK

Also covers: ABCB, AUB, CADE +21 more

Matt Olney

Stephens Inc.

4 questions for OZK

Also covers: BFST, BOKF, BSVN +20 more

Michael Rose

Raymond James Financial, Inc.

3 questions for OZK

Also covers: AMTB, BFST, BOKF +24 more

Timur Braziler

Wells Fargo

3 questions for OZK

Also covers: ASB, BANC, BKU +16 more

Nicholas Holowko

UBS Group AG

2 questions for OZK

Also covers: CMA, FCNCA, FHN +5 more

Samuel Varga

UBS

2 questions for OZK

Also covers: BPOP, COLB, EWBC +9 more

Benjamin Gerlinger

Citigroup Inc.

1 question for OZK

Also covers: BANC, BKU, BOKF +18 more

Janet Lee

TD Cowen

1 question for OZK

Also covers: AUB, FHB, FHN +11 more

Jordan Gantt

Stephens Inc.

1 question for OZK

Also covers: HTH

Tim Mitchell

Raymond James Financial

1 question for OZK

Also covers: HTH, PNFP, TCBX +1 more

Latest news

Recent press releases and 8-K filings for OZK.

Oak Row Equities and OKO Group Close Major Brickell Land Deal

OZK

New Projects/Investments

Debt Issuance

Oak Row Equities, OKO Group, and Mariposa Real Estate have completed the single largest land acquisition in Florida, purchasing a 4.25-acre waterfront parcel at 1001 and 1111 Brickell Bay Drive in Miami's Brickell financial district.
The joint venture closed on the acquisition for $520 million.
TYKO Capital provided a $464.5 million acquisition and predevelopment loan for the deal.
The site is zoned for over three million square feet of development and will feature an ultra-luxury destination, with the first phase including a new hotel concept and branded condominiums.

7 days ago

Press Release

OZK Discusses Q3 2025 Asset Quality, Loan Growth Outlook, and CIB Expansion

OZK

Guidance Update

New Projects/Investments

Demand Weakening

OZK reported a mixed asset quality picture for Q3 2025, including three loan migrations that resulted in charge-offs and reserves, but also successfully sold its largest foreclosed asset at book value and has its next two largest under contract with expected neutral to positive gains.
The company experienced elevated RESG paydowns in Q3 2025, which are anticipated to continue through 2026 due to record originations in 2022. This is expected to result in mid-single-digit loan growth in 2026, with significantly more diversified growth projected for 2027 and beyond as the RESG payoff wave subsides.
OZK is actively expanding its CIB group, which achieved record origination growth in Q3 2025, with the strategic goal for CIB to comprise 30% to 40% of the loan book over several years, aiming for higher utilization rates and diversification.
While record net interest income and EPS are expected in 2026, year-over-year gains may be relatively small due to ongoing investments and RESG payoffs. More material EPS and net income growth is projected for 2027 and future years as investments mature and the payoff wave passes.

Oct 17, 2025, 12:30 PM

Transcript

OZK Discusses RESG Payoff Wave and CIB-Led Diversified Growth Strategy

OZK

Guidance Update

New Projects/Investments

Hiring

OZK anticipates an exceptionally high level of RESG (Real Estate Specialties Group) loan payoffs in late 2025 and throughout 2026, stemming from record originations in 2022, with potential acceleration from Fed rate cuts.
The company is strategically expanding its CIB (Commercial & Industrial Banking) group to drive future loan growth, diversify the portfolio, and generate higher fee income and low-cost deposits, aiming for CIB to become a significant, almost equal, component to RESG.
Despite the RESG payoff wave, OZK projects a mid-single-digit loan growth rate for 2026, with expectations for stronger, diversified growth from 2027 onwards as CIB and other business units fully contribute.
Management emphasizes rigorous underwriting and asset quality across all loan types, including NDFI and life science, and expects the majority of sponsors to continue supporting their projects.

Oct 17, 2025, 12:30 PM

Transcript

Bank OZK Announces Record Third Quarter 2025 Earnings

OZK

Earnings

Guidance Update

Bank OZK reported record net income available to common stockholders of $180.5 million and record diluted earnings per common share (EPS) of $1.59 for the third quarter of 2025, representing increases of 1.9% and 2.6% respectively, compared to the third quarter of 2024.
For the first nine months of 2025, net income available to common stockholders increased 1.0% to $527.4 million, and EPS rose 1.3% to $4.64.
Chairman and CEO George Gleason highlighted the third quarter's achievements of record net income, record EPS, record net interest income, meaningful growth in capital ratios, and solid asset quality, positioning the bank for record full-year results.
As of September 30, 2025, Bank OZK had $41.6 billion in total assets.