Forward Looking Statements This presentation 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," "believe ...

If one needed living proof that banking—done right—is one of the most potent engines of compounding ever invented, one need look no further than LittleIf you aren't willing to own a stock for 10 years, don't even think about owning it for 10 minutes.Analyst’s Disclosure:I/we have a beneficial long position in the shares of OZK either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from S ...

Bank OZK (OZK) reported $409.23 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 0.8%. EPS of $1.47 for the same period compares to $1.51 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $398.81 million, representing a surprise of +2.61%. The company delivered an EPS surprise of +3.52%, with the consensus EPS estimate being $1.42.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Stree ...

I ventured into investing in high school in 2011, mainly in REITs, preferred stocks, and high-yield bonds, starting a fascination with markets and the economy that has not faded despite the years. More recently I have been combining long stock positions with covered calls and cash secured puts. I approach investing purely from a fundamental long-term point of view. On Seeking Alpha I mostly cover REITs and financials, with occasional articles on ETFs and other stocks driven by a macro trade idea.Analyst’s D ...

Bank OZK (NASDAQ: OZK ) has been a mixed performer this year, with shares essentially flat from a year ago. That change masks a significant amount of volatility, as OZK has faced concerns about its commercial real estate (CRE) exposure, whileOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let me ...

Group 1 - Bank OZK shares have declined approximately 11% since December, although they have outperformed regional bank ETFs [1] - The investment strategy focuses on a long-term, buy-and-hold approach, particularly in stocks that can consistently deliver high-quality earnings [1] Group 2 - The article does not provide specific financial metrics or performance indicators for Bank OZK beyond the share price decline [1]

Financial Data and Key Metrics Changes - The company reported a strong first quarter with a 3.8% growth in total loans, not annualized, despite pulling down guidance for RESG origination volume [19][20] - Net interest income (NII) remained relatively flat quarter-on-quarter, attributed to two fewer days in Q1 compared to Q4, and a slight decrease in net interest margin (NIM) by two basis points [46][50] Business Line Data and Key Metrics Changes - Non-RESG loans accounted for 65% of loan growth over the last four quarters, indicating a successful transition towards diversified lending [20] - The Corporate and Institutional Banking (CIB) group has shown strong performance, with significant contributions from various business lines, including ABLG and Fund Finance [26][29] Market Data and Key Metrics Changes - The company noted ongoing uncertainty in the market, particularly regarding customer demand and the impact of tariffs, which has led to a cautious approach in providing guidance [16][19] - Despite the uncertainty, there is confidence in the long-term viability of real estate deals, with a decent closing pipeline for the quarter [16][19] Company Strategy and Development Direction - The company is focused on growth and diversification, actively pursuing new business lines, including a natural resources group, while maintaining a strong emphasis on credit quality [27][29][135] - The strategy includes opening 34 new branches throughout the year to enhance deposit growth, with a significant number expected to open in Q2 and Q3 [75][78] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism regarding the economic environment, highlighting the importance of maintaining strong relationships with sponsors and adapting to market conditions [15][39] - The company is prepared for potential challenges, with a focus on high-quality projects and a robust pipeline across various business lines [26][29] Other Important Information - The company has seen a total of $957 million in additional equity contributions from sponsors, indicating strong support for ongoing projects [37] - The management team is actively monitoring the impact of macroeconomic factors on loan repayments and expects elevated repayments throughout the year [104][105] Q&A Session Summary Question: Customer sentiment and demand changes - Management acknowledged the uncertainty in the market but noted a level of confidence that real estate deals will still make sense in the long term, despite short-term challenges [15][16] Question: Impact of uncertainty on leasing and financing - Management reported continued lease-up across the portfolio, with sponsors actively supporting projects, even as some lease-up periods have elongated [37][39] Question: Net interest income and securities reinvestment rates - Management indicated that NII was flat due to fewer days in Q1 and discussed the strategy of reinvesting in bonds at improved rates as lower rate bonds roll off [40][46] Question: Buyback strategy and capital ratios - Management expressed willingness to continue share repurchases at current stock levels, indicating a balance between capital ratios and opportunistic buybacks [66][111] Question: Chicago land loan status - Management clarified that the Maryland land loan was moved to substandard accrual due to ongoing discussions with the sponsor and the complexity of the project [86][90] Question: Growth and diversification strategy amid uncertainty - Management reaffirmed confidence in the growth and diversification strategy, emphasizing the quality of clients and the potential for continued growth in CIB [135][136]

Bank OZK’s (OZK) first-quarter 2025 earnings per share of $1.47 surpassed the Zacks Consensus Estimate of $1.42. The bottom line, however, reflected a decline of 2.6% from the prior-year quarter’s actual.Overall, results benefited from a rise in non-interest income and lower provisions. Also, higher loans and deposit balances were other positives. However, lower net interest income (NII) and higher non-interest expenses were the undermining factors.Net income available to common shareholders was $167.9 mill ...

Core Viewpoint - Bank OZK reported quarterly earnings of $1.47 per share, exceeding the Zacks Consensus Estimate of $1.42 per share, but down from $1.51 per share a year ago, indicating a 2.65% year-over-year decline in earnings [1][2] Financial Performance - The company achieved revenues of $409.23 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 2.61% and showing a slight increase from $406.02 million in the same quarter last year [2] - Over the last four quarters, Bank OZK has consistently surpassed consensus EPS estimates and revenue estimates [2] Stock Performance - Bank OZK shares have declined approximately 11.9% since the beginning of the year, compared to a decline of 8.3% for the S&P 500 [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.45, with projected revenues of $409.9 million, while the estimate for the current fiscal year is $5.99 on $1.66 billion in revenues [7] - The trend of estimate revisions for Bank OZK is mixed, which may change following the recent earnings report [6] Industry Context - The Banks - Northeast industry, to which Bank OZK belongs, is currently ranked in the top 26% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Financial Performance - Bank OZK reported net income available to common stockholders for Q1 2025 at $167.9 million, a 2.1% decrease from $171.5 million in Q1 2024 [1] - Diluted earnings per common share for Q1 2025 were $1.47, down 2.6% from $1.51 in Q1 2024 [1] Management Commentary - George Gleason, Chairman and CEO, expressed satisfaction with the Q1 2025 results, highlighting the management team's ability to navigate a complex economic environment while seizing opportunities [2] Company Overview - Bank OZK, established in 1903, operates over 240 offices across nine states and had total assets of $39.2 billion as of March 31, 2025 [5]