Core Insights - Senvest Management has fully exited its position in Bank OZK, selling nearly 1.6 million shares valued at approximately $74.4 million during the third quarter, which previously represented 2.5% of its reportable assets [2][6]. Company Overview - Bank OZK is a regional financial institution with a strong presence in retail and commercial banking, offering a diversified portfolio of lending and deposit products [5]. - The bank reported a revenue of $1.7 billion and a net income of $721.7 million for the trailing twelve months (TTM), with a dividend yield of 4% [4]. Financial Performance - In the third quarter, Bank OZK achieved a record net income of $180.5 million, reflecting a year-over-year increase of 1.9%, and reported a record diluted EPS of $1.59, supported by strong net interest income and stable asset quality [6][10]. - Despite the bank's solid financial performance, its stock price has remained flat at $47.10, underperforming the S&P 500, which gained approximately 13% over the same period [3][10]. Market Position - Bank OZK continues to grow its capital ratios and has expanded to over 260 offices across nine states, providing it with scale advantages that are uncommon in regional banking [9]. - The bank's operational trajectory remains strong, but its stock performance highlights the challenges of owning banks in a rate-sensitive environment [10].