Bank OZK(US:OZK) ZACKSยท2025-10-16 23:01Core Insights - Bank OZK reported revenue of $449.94 million for the quarter ended September 2025, reflecting a 6.4% increase year-over-year and a surprise of +1.32% over the Zacks Consensus Estimate of $444.07 million [1] - The earnings per share (EPS) for the quarter was $1.59, slightly up from $1.55 in the same quarter last year, but below the consensus estimate of $1.67, resulting in an EPS surprise of -4.79% [1] Financial Performance Metrics - Efficiency Ratio was reported at 35.1%, close to the five-analyst average estimate of 35.2% [4] - Net interest margin stood at 4.4%, matching the average estimate by five analysts [4] - Net charge-offs to average total loans were 0.4%, slightly above the four-analyst average estimate of 0.3% [4] - Total Average Interest-Earning Assets (FTE) reached $38.1 billion, exceeding the estimated $37.68 billion by four analysts [4] - Total Non-Interest Income was $36.08 million, surpassing the average estimate of $32.78 million based on five analysts [4] - Net Interest Income (FTE) was reported at $417.67 million, above the estimated $412.91 million by four analysts [4] - Net Interest Income was $413.86 million, exceeding the four-analyst average estimate of $410.62 million [4] - Gains (losses) on sales of other assets were $1.97 million, significantly higher than the estimated $0.64 million by three analysts [4] - BOLI income was $6.35 million, slightly above the estimated $6 million by three analysts [4] - Loan service, maintenance, and other fees totaled $9.18 million, exceeding the two-analyst average estimate of $7.79 million [4] - Trust income was reported at $2.97 million, compared to the average estimate of $2.76 million based on two analysts [4] Stock Performance - Shares of Bank OZK have returned -2.8% over the past month, while the Zacks S&P 500 composite has increased by +0.9% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]