OZK Stock - Bank OZK
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $2.77B | $2.25B | $1.38B | $1.19B | $1.18B |
| Gross Profit | $1.48B | $1.40B | $1.17B | $1.18B | $781.27M |
| Gross Margin | 53.4% | 62.0% | 85.0% | 99.7% | 66.4% |
| Operating Income | $931.29M | $867.00M | $721.53M | $752.92M | $376.18M |
| Net Income | $716.46M | $690.78M | $564.14M | $579.00M | $291.90M |
| Net Margin | 25.8% | 30.7% | 40.9% | 48.8% | 24.8% |
| EPS | $6.16 | $5.89 | $4.55 | $4.49 | $2.26 |
Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. The company also offers real estate, consumer and business purpose, indirect recreational vehicle and marine, commercial and industrial, government guaranteed, agricultural, small business, homebuilder, and affordable housing loans; business aviation and subscription financing services; and mortgage and other lending products. In addition, it provides trust and wealth services, such as personal, custodial, investment management, and retirement accounts, as well as corporate trust services comprising trustee, paying and registered transfer agent, and other incidental services. Further, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, and merchant and commercial card services, as well as zero balance and investment sweep accounts. Additionally, it provides ATMs; telephone, online, and mobile banking services; debit and credit cards; safe deposit boxes; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2021, it operated approximately 240 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 17th 2025 | Raymond James | Downgrade | Market Perform | - |
| August 20th 2025 | Stephens | Upgrade | Overweight | $65 |
| July 8th 2025 | Raymond James | Upgrade | Outperform | $58 |
| January 21st 2025 | Wells Fargo | Upgrade | Equal Weight | $48← $40 |
| December 17th 2024 | UBS | Resumed | Neutral | - |
| September 17th 2024 | Raymond James | Downgrade | Market Perform | - |
| May 29th 2024 | Citigroup | Downgrade | Sell | $37← $57 |
| January 8th 2024 | UBS | Downgrade | Neutral | - |
| January 5th 2024 | Wells Fargo | Downgrade | Underweight | $41 |
| January 5th 2024 | Raymond James | Upgrade | Outperform | $58 |
| December 1st 2023 | Citigroup | Initiation | Buy | $50 |
| March 15th 2023 | UBS | Upgrade | Buy | $47← $48 |
| December 5th 2022 | Morgan Stanley | Initiation | Equal Weight | $48 |
| July 7th 2022 | Raymond James | Downgrade | Market Perform | - |
| July 7th 2022 | Wells Fargo | Downgrade | Equal Weight | $42← $58 |
Earnings History & Surprises
OZKEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 14, 2026 | — | — | — | — |
Q1 2026 | Jan 15, 2026 | $1.55 | — | — | — |
Q4 2025 | Oct 16, 2025 | $1.65 | $1.59 | -3.6% | ✗ MISS |
Q3 2025 | Jul 17, 2025 | $1.51 | $1.58 | +4.6% | ✓ BEAT |
Q2 2025 | Apr 16, 2025 | $1.41 | $1.47 | +4.3% | ✓ BEAT |
Q1 2025 | Jan 16, 2025 | $1.45 | $1.56 | +7.6% | ✓ BEAT |
Q4 2024 | Oct 17, 2024 | $1.54 | $1.54 | 0.0% | = MET |
Q3 2024 | Jul 17, 2024 | $1.52 | $1.53 | +0.7% | ✓ BEAT |
Q2 2024 | Apr 17, 2024 | $1.46 | $1.51 | +3.4% | ✓ BEAT |
Q1 2024 | Jan 18, 2024 | $1.48 | $1.50 | +1.4% | ✓ BEAT |
Q4 2023 | Oct 19, 2023 | $1.42 | $1.49 | +4.9% | ✓ BEAT |
Q3 2023 | Jul 20, 2023 | $1.42 | $1.47 | +3.5% | ✓ BEAT |
Q2 2023 | Apr 20, 2023 | $1.38 | $1.41 | +2.2% | ✓ BEAT |
Q1 2023 | Jan 19, 2023 | $1.32 | $1.34 | +1.5% | ✓ BEAT |
Q4 2022 | Oct 20, 2022 | $1.17 | $1.08 | -7.7% | ✗ MISS |
Q3 2022 | Jul 21, 2022 | $1.03 | $1.10 | +6.8% | ✓ BEAT |
Q2 2022 | Apr 21, 2022 | $0.95 | $1.02 | +7.4% | ✓ BEAT |
Q1 2022 | Jan 20, 2022 | $0.98 | $1.17 | +19.4% | ✓ BEAT |
Q4 2021 | Oct 21, 2021 | $0.97 | $1.00 | +3.1% | ✓ BEAT |
Q3 2021 | Jul 22, 2021 | $0.92 | $1.16 | +26.1% | ✓ BEAT |
Latest News
UBS Maintains Neutral on Bank OZK, Lowers Price Target to $50
➖ NeutralKeefe, Bruyette & Woods Maintains Market Perform on Bank OZK, Lowers Price Target to $50
➖ NeutralRaymond James Downgrades Bank OZK to Market Perform
📉 NegativeBank OZK Q3 EPS $1.59 Misses $1.67 Estimate, Sales $449.936M Beat $447.340M Estimate
➖ NeutralBank OZK Q3 EPS $1.59 Misses $1.67 Estimate
📉 NegativeBank OZK Announces Quarterly Dividend Increase From $0.44 Per Share To $0.45 Per Share
📈 PositiveMorgan Stanley Maintains Equal-Weight on Bank OZK, Raises Price Target to $63
📈 PositiveWells Fargo Maintains Equal-Weight on Bank OZK, Raises Price Target to $50
➖ NeutralTD Cowen Initiates Coverage On Bank OZK with Buy Rating, Announces Price Target of $67
📈 PositiveStephens & Co. Upgrades Bank OZK to Overweight, Raises Price Target to $65
📈 PositiveFrequently Asked Questions about OZK
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