Bank OZK Announces First Quarter 2026 Earnings
Rhea-AI Summary
Bank OZK (Nasdaq: OZK) reported first quarter 2026 net income available to common stockholders of $159.3 million, down 5.1% year-over-year, and diluted EPS of $1.44, down 2.0% year-over-year. Total assets were $41.7 billion as of March 31, 2026.
Management will host a conference call on April 22, 2026 at 7:30 a.m. CT and released a financial supplement and management comments on its investor relations website.
AI-generated analysis. Not financial advice.
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News Market Reaction – OZK
On the day this news was published, OZK declined 2.77%, reflecting a moderate negative market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
OZK gained 1.05% with strong volume while key regional peers also rose modestly (e.g., HWC +1.46%, GBCI +1.44%). However, the momentum scanner did not flag a coordinated sector move, suggesting today’s action is more stock-specific around earnings.
Previous Earnings Reports
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Jan 20 | Quarterly earnings | Neutral | +0.1% | Q4 and full-year 2025 results with flat-to-slightly higher annual EPS. |
| Oct 16 | Record earnings | Positive | -2.3% | Record Q3 2025 net income and EPS with strong asset base. |
| Jul 17 | Record earnings | Positive | +0.1% | Record Q2 2025 net income and EPS with solid loan and deposit growth. |
| Apr 16 | Quarterly earnings | Negative | +5.8% | Q1 2025 net income and EPS declined versus Q1 2024. |
| Jan 16 | Record earnings | Positive | +9.7% | Record Q4 and full-year 2024 earnings with double-digit balance sheet growth. |
Earnings reactions have been mixed: strong results usually see modest gains, while softer quarters sometimes triggered outsized rallies or occasional sell-offs.
Over the past five earnings cycles, Bank OZK has frequently reported record or growing results, including record Q4 and full-year 2024 and record Q2 and Q3 2025. More recently, Q1 and Q4 2025 showed slight year-over-year declines in net income and EPS. Against that backdrop, Q1 2026 extends the mild downtrend in earnings, while the bank’s asset base has continued to grow across its multi-state footprint.
Historical Comparison
Over the last five earnings releases, OZK’s average one-day move was about 2.69%. Today’s 1.05% gain on Q1 2026 results sits within this typical earnings reaction range.
Earnings progressed from record 2024 results to record mid-2025 quarters, followed by mild year-over-year declines in Q1 and Q4 2025 and now Q1 2026, indicating a shift from record growth to more tempered performance.
Market Pulse Summary
This announcement highlights a modest year-over-year decline in Q1 2026 net income ($159.3 million, down 5.1%) and diluted EPS ($1.44, down 2.0%) while underscoring Bank OZK’s sizeable footprint and $41.7 billion asset base. Recent history shows a transition from record 2024 and mid‑2025 earnings to softer quarters. Investors may focus on loan growth, credit quality, and net interest income trends in the detailed supplement and upcoming conference call.
Key Terms
forward-looking statements regulatory
net interest income financial
provision for credit losses financial
efficiency ratio financial
AI-generated analysis. Not financial advice.
LITTLE ROCK, Ark., April 21, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the first quarter of 2026 was
George Gleason, Chairman and Chief Executive Officer, stated, “We are pleased to report our first quarter 2026 results, which provided a solid start to the year. Once again, our veteran team demonstrated our ability to effectively manage through a challenging macroeconomic and geopolitical environment and capitalize on opportunities. We believe we are well-positioned to continue to successfully execute on our strategic initiatives.”
MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL
In connection with this release, the Bank released its management comments on its quarterly results and a financial supplement, which are available at the Bank's investor relations website.
Management will conduct a conference call to take questions at 7:30 a.m. CT (8:30 a.m. ET) on Wednesday, April 22, 2026. Interested parties may access the conference call live via webcast on the Bank’s investor relations website, or may participate via telephone by registering using this online form. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in 268 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had
The Bank files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (“FDIC”), copies of which are available electronically at the FDIC’s website and are also available on the Bank’s investor relations website at ir.ozk.com. Use this online form to receive automated email notifications for these materials.
FORWARD-LOOKING STATEMENTS
This press release and other communications by the Bank and its management may include certain statements that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “hopes,” “estimates,” “intends,” “plans,” “goals,” “believes,” “feels,” “continue” and other similar expressions or future or conditional verbs such as “will,” “may,” “might,” “should,” “would” and “could.” Forward-looking statements represent the Bank’s current expectations, plans or forecasts of its future results, revenues, liquidity, net interest income, provision for credit losses, expenses, efficiency ratio, capital measures, strategy, deposits, assets, and future business and economic conditions more generally, and other future matters. These statements are not guarantees of future results or performance and involve certain known and unknown risks, uncertainties and assumptions that are difficult to predict and are often beyond the Bank’s control. Actual outcomes and results may differ materially from those expressed in, or implied by, any of these forward-looking statements.
| Investor Contact: | Jay Staley (501) 906-7842 | |
| Media Contact: | Michelle Rossow (501) 906-3922 | |
