Bank OZK(US:OZK) ZACKSยท2025-07-17 23:31Core Insights - Bank OZK reported revenue of $428.04 million for the quarter ended June 2025, marking a year-over-year increase of 2.7% and a surprise of +2.48% over the Zacks Consensus Estimate of $417.66 million [1] - The EPS for the same period was $1.58, compared to $1.52 a year ago, with an EPS surprise of +4.64% against the consensus estimate of $1.51 [1] Financial Performance Metrics - Net interest margin was reported at 4.4%, slightly above the average estimate of 4.3% [4] - Efficiency ratio stood at 35.5%, compared to the average estimate of 35.6% [4] - Total average interest-earning assets (FTE) reached $36.84 billion, exceeding the average estimate of $36.11 billion [4] - Net charge-offs to average total loans were 0.1%, significantly lower than the average estimate of 0.3% [4] - Total non-interest income was $31.29 million, below the average estimate of $32.08 million [4] - Net interest income (FTE) was $400.69 million, surpassing the average estimate of $388.5 million [4] - Net interest income was reported at $396.75 million, compared to the average estimate of $371.63 million [4] - BOLI income increase in cash surrender value was $5.85 million, slightly below the average estimate of $5.91 million [4] - Gains (losses) on sales of other assets were $0.51 million, lower than the average estimate of $0.87 million [4] - Loan service, maintenance, and other fees totaled $7.93 million, exceeding the average estimate of $7.24 million [4] - Trust income was reported at $2.95 million, above the average estimate of $2.74 million [4] Stock Performance - Shares of Bank OZK have returned +13.9% over the past month, outperforming the Zacks S&P 500 composite's +4.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]