Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings ...
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Est. EPS $1.43 · Revenue $434.88M · 8 analysts
Est. EPS $1.44 · Revenue $437.79M · 7 analysts
Est. EPS $5.80 · Revenue $1.73B · 8 analysts
Est. EPS $1.43 · Revenue $432.58M · 2 analysts
$1.82 per share
$1.82 per share
EPS $1.49 · Revenue $672.89M
EPS $1.44 · Revenue $661.55M
EPS $6.17 · Revenue $2.81B
EPS $1.59 · Revenue $731.11M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $2.8B | +1.1% | +1.7% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $715.5M | -0.1% | +2.5% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +55.4% | +3.7% | +0.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +33.3% | -0.8% | -0.7% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +25.5% | -1.3% | +0.7% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $731.7M | -1.0% | -10.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +26.1% | -2.1% | -12.4% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 7.6% | -51.1% | -19.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.80x | +605.4% | -100.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $40.8B | +6.6% | +0.1% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 6.17 vs 6.19 | -0.4% | 1.49 vs 1.43 | +4.1% |
| Revenue Surprise | $2.8B vs $1.7B | +62.2% | $672.9M vs $434.9M | +54.7% |
Operator : Ladies and gentlemen, thank you for standing by. Welcome to Bank OZK second quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you would need to press star one one on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star one one again. Please be advised that today's conference is being recorded. I would like now to turn the conference over to Jay Staley, Managing Director of Investor Relations and Corporate Development. Please go ahead. Jay Staley : Good morning. I'm Jay Staley, Managing Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question and answer session. In today's Q&A session, we may make forward-looking statements about our expectations, estimates, and outlook for the future. Please refer to our earnings release, management comments, financial supplement, and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements. Joining me on the call to take your questions are George Gleason, Chairman and CEO, Brannon Hamblen, President, Tim Hicks, Chief Financial Officer, and Jake Munn, President, Corporate and Institutional Banking. We'll now open up the lines for your questions. Let me now ask our operator, Michelle, to remind our listeners how to queue in for questions. Operator : Thank you. As a reminder, to ask a question, please press star one one on your telephone and wait for your name to be announced. To withdraw your question, please press star one one again. Our first question is going to come from Stephen Scouten with Piper Sandler. Your line is now open. Stephen Scouten : Yeah, good morning. Thanks, everyone. I guess I'd love to start kind of with some updated thoughts around CIB, if you could, kind of walking us through some of the comments you made in the management commentary about the internal diversification within CIB and just kind of how you think that will, now that we've progressed a bit down the path, how you expect to see CIB impact loan loss reserves in the future, if we should continue to see that come down as a % of the loans given their lower credit risk seemingly, and just the impact that they've had on fees to date and projected moving forward. George Gleason : Hey, thank you for the question, Stephen. We appreciate it. I am going to turn this straight over to Jake Munn. This is his area. I will preface Jake's remarks by saying that CIB is a very important and rapidly growing and developing part of our franchise. We are investing a lot in it and hiring really talented, experienced people to lead it. We are looking forward and enjoying …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
George G. Gleason | Chairman & Chief Executive Officer | USD 3,632,740 | Male | 1954 | Active |
Paschall Brannon Hamblen | President | USD 2,164,051 | Male | 1966 | Active |
Tim Hicks | Chief Financial Officer | USD 1,502,859 | Male | 1973 | Active |
Cynthia Wolfe | Chief Operating Officer | USD 1,445,858 | Female | 1966 | Active |
John Carter | Chief Credit Officer | USD 1,005,158 | Male | 1981 | Active |
Jason Cathey | Chief Information Officer | — | Male | 1982 | Active |
Candace Graham | Executive Vice President & Director of Corporate Communication | — | Female | — | Active |
Stan Thomas | Chief Accounting Officer | — | Male | 1972 | Active |
Helen Woodyard Brown | General Counsel & Corporate Secretary | — | Female | 1978 | Active |
Tamara Gotham | Chief Administrative Officer | — | Female | 1984 | Active |
Arrowstreet Capital Limited Partnership decreased its position in shares of Bank OZK (NASDAQ: OZK) by 10.7% in the undefined quarter, according to its most recent 13F filing with the SEC. The firm owned 588,185 shares of the company's stock after selling 70,381 shares during the quarter. Arrowstreet Capital Limited Partnership owned approximately 0.53%
California Public Employees Retirement System grew its holdings in Bank OZK (NASDAQ: OZK) by 11.8% in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The firm owned 231,654 shares of the company's stock after acquiring an additional 24,485 shares during the quarter. California Public Employees Retirement
Fifth Third Bancorp grew its holdings in Bank OZK (NASDAQ: OZK) by 2,971.0% during the first quarter, according to the company in its most recent filing with the SEC. The fund owned 33,627 shares of the company's stock after acquiring an additional 32,532 shares during the quarter. Fifth Third Bancorp's holdings in Bank
Bank OZK (NASDAQ: OZK) executives used the company's second-quarter 2026 earnings call to emphasize the bank's ongoing shift toward a more diversified loan portfolio, with rapid growth in corporate and institutional banking helping offset elevated repayments in its real estate specialties group. Chairman and CEO George Gleason said the corporate and institutional banking, or CIB, business
Dimensional Fund Advisors LP boosted its stake in Bank OZK (NASDAQ: OZK) by 0.6% in the first quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm owned 6,625,660 shares of the company's stock after purchasing an additional 38,592 shares during the period. Dimensional
