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Bank OZK (OZK) Reports Q1 Earnings: What Key Metrics Have to Say
Bank OZKBank OZK(US:OZK) ZACKS·2025-05-19 14:31

Core Insights - Bank OZK reported revenue of $409.23 million for Q1 2025, a year-over-year increase of 0.8%, with EPS of $1.47 compared to $1.51 a year ago, exceeding Zacks Consensus Estimate of $398.81 million by 2.61% [1] - The company delivered an EPS surprise of 3.52%, with the consensus EPS estimate being $1.42 [1] Financial Performance Metrics - Efficiency Ratio was 35.6%, better than the estimated 36.2% by analysts [4] - Net interest margin stood at 4.3%, slightly above the estimated 4.2% [4] - Net charge-offs to average total loans were 0.3%, matching the average estimate [4] - Total Average Interest-Earning Assets (FTE) reached $35.60 billion, exceeding the estimate of $35.32 billion [4] - Total Non-performing loans were $62.72 million, significantly lower than the estimated $119.73 million [4] - Tier 1 risk-based capital Ratio was 12.1%, above the average estimate of 11.8% [4] - Total risk-based capital Ratio was 14.4%, slightly above the estimated 14.2% [4] - Total Nonperforming Assets amounted to $214.04 million, higher than the estimated $205.01 million [4] - Tier 1 leverage Ratio was 13.9%, exceeding the estimated 13.6% [4] - Total Non-Interest Income was $34.72 million, surpassing the average estimate of $30.62 million [4] - Net Interest Income (FTE) was $378.09 million, above the estimated $372.36 million [4] - Net Interest Income was $374.51 million, exceeding the average estimate of $368.42 million [4] Stock Performance - Shares of Bank OZK returned +12.7% over the past month, compared to the Zacks S&P 500 composite's +13.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]