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Bank OZK (OZK) Reports Q1 Earnings: What Key Metrics Have to Say
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Bank OZK (OZK - Free Report) reported $418.1 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 2.2%. EPS of $1.44 for the same period compares to $1.47 a year ago.
The reported revenue represents a surprise of -0.89% over the Zacks Consensus Estimate of $421.86 million. With the consensus EPS estimate being $1.46, the EPS surprise was -1.49%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank OZK performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin: 4.2% versus 4.2% estimated by five analysts on average.
Efficiency Ratio: 39% versus the five-analyst average estimate of 38.2%.
Total Average Interest-Earning Assets (FTE): $37.66 billion compared to the $37.53 billion average estimate based on four analysts.
Net charge-offs to average total loans: 0.6% versus 0.6% estimated by four analysts on average.
Total Non-Interest Income: $32.53 million versus the five-analyst average estimate of $34.34 million.
Net Interest Income: $385.57 million compared to the $387.24 million average estimate based on four analysts.
Deposit-related fees- All other service charges: $7.65 million versus the three-analyst average estimate of $9.66 million.
Loan-related fees: $8.82 million versus the three-analyst average estimate of $9.1 million.
Gains (losses) on sales of other assets: $0.81 million versus $0.75 million estimated by three analysts on average.
Trust income: $3.04 million versus $3.07 million estimated by two analysts on average.
Other non-interest (loss) income: $2.74 million versus $4.75 million estimated by two analysts on average.
BOLI income: $6.06 million compared to the $6 million average estimate based on two analysts.
Shares of Bank OZK have returned +11.5% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Bank OZK (OZK) Reports Q1 Earnings: What Key Metrics Have to Say
Bank OZK (OZK - Free Report) reported $418.1 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 2.2%. EPS of $1.44 for the same period compares to $1.47 a year ago.
The reported revenue represents a surprise of -0.89% over the Zacks Consensus Estimate of $421.86 million. With the consensus EPS estimate being $1.46, the EPS surprise was -1.49%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank OZK performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Bank OZK here>>>
Shares of Bank OZK have returned +11.5% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.