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Bank OZK Announces Fourth Quarter and Full Year 2025 Earnings

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LITTLE ROCK, Ark., Jan. 20, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today annou...

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AI Summary

Bank OZK reported a slight decline in Q4 2025 net income, but its record EPS of $6.18 for the full year signals robust financial health. The continued growth in loans and deposits and a commitment to achieving record profits in 2026 could bolster investor confidence.

Sentiment Rationale

Despite a slight quarterly income decrease, strong annual EPS and growth in loans and deposits suggest strong operational performance, which historically supports stock price increases.

Trading Thesis

OZK may outperform in the near-term due to solid earnings fundamentals and growth outlook.

Market-Moving

  • Record EPS of $6.18 indicates strong long-term performance.
  • Loan and deposit growth signal financial strength.
  • $40.8 billion total assets position OZK favorably in the market.

Key Facts

  • OZK's Q4 2025 net income fell 3.5% YoY.
  • 2025 full-year net income slightly decreased by 0.1%.
  • Record EPS of $6.18 for 2025 shows long-term profitability.
  • Loan and deposit growth were strong at 7.8% and 7.5% respectively.
  • OZK aims for continued record EPS growth in 2026.

Companies Mentioned

  • Bank OZK (OZK): Strong EPS performance and growth outlook positions OZK well.

Earnings

This article fits in the 'Earnings' category as it discusses quarterly and year-end financial performance and outlook. The emphasis on record EPS and growth metrics is critical for evaluating investment stability and growth potential.

Bank OZK Reports Fourth Quarter and Full Year 2025 Earnings

LITTLE ROCK, Ark., January 20, 2026 (GLOBE NEWSWIRE) — Bank OZK (Nasdaq: OZK) has announced its financial results for the fourth quarter and the full year of 2025. The bank reported a net income of $171.9 million for Q4 2025, marking a 3.5% decrease from $178.1 million in Q4 2024. For the full year, net income was $699.3 million, a slight 0.1% decrease from the prior year’s record of $700.3 million.

Earnings Per Share (EPS) Analysis

The diluted earnings per share (EPS) for the fourth quarter of 2025 were reported at $1.53, reflecting a 1.9% decline from $1.56 in the fourth quarter of 2024. However, for the full year, Bank OZK achieved a record $6.18 in EPS, which is a 0.7% increase from $6.14 in 2024.

George Gleason, Chairman and Chief Executive Officer, commented on these results, stating, “Our 2025 net income available to common stockholders of $699.3 million almost equaled our record results of $700.3 million for 2024, and our 2025 EPS of $6.18 was a new record, improving on 2024’s $6.14. Our solid 2025 earnings were driven by $2.35 billion (7.8%) growth in loans and $2.34 billion (7.5%) growth in deposits.”

Growth and Future Goals

Bank OZK reported record annual net interest income of $1.59 billion for 2025. The bank has experienced a cumulative 47% growth in assets over the last three years and has achieved record EPS each year during that period. Gleason stated, “Our goal for 2026 is to produce another year of record EPS.”

Management Insights and Conference Call

In conjunction with the release of these results, Bank OZK provided management comments on its quarterly and full-year performance along with a financial supplement, accessible through the bank's investor relations website. Management will hold a conference call to answer questions at 7:30 a.m. CT (8:30 a.m. ET) on January 21, 2026. Participants can access the call live via the bank's investor relations website or participate via telephone after registering through the provided form.

About Bank OZK

Bank OZK (Nasdaq: OZK) is a regional bank that has provided innovative financial solutions since its establishment in 1903. The bank operates 265 offices across nine states, including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California, and Mississippi. As of December 31, 2025, Bank OZK reported total assets of $40.8 billion.

Regulatory Filings and Forward-Looking Statements

Bank OZK routinely files annual and quarterly reports, proxy materials, and other required documents with the Federal Deposit Insurance Corporation (FDIC). For more information about these filings, interested parties can visit the bank's investor relations website.

The press release also contains forward-looking statements, which reflect the bank’s expectations for future results, developments, and performance. It is important to note that such statements involve risks and uncertainties that could cause actual results to differ materially.

For investor inquiries, please contact Jay Staley at (501) 906-7842. For media inquiries, Michelle Rossow can be reached at (501) 906-3922.

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