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 – OZKAP
On the day this news was published, OZKAP gained 0.30%, reflecting a mild positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
Peers in regional banks show mixed moves: BWBBP +0.5%, HBANL +0.22%, DCOMP -0.75%, WSBCP flat, FGBIP +1.48%. The small -0.42% move in OZKAP appears stock-specific rather than a broad sector reaction.
Previous Earnings Reports
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Jan 20 | Q4 and FY 2025 earnings | Positive | +0.7% | Record full-year EPS with broadly stable net income and strong loan growth. |
| Oct 16 | Q3 2025 earnings | Positive | -0.6% | Record quarterly net income and EPS with record net interest income. |
| Jul 17 | Q2 2025 earnings | Positive | +0.5% | Record EPS and net income with solid loan and deposit growth. |
| Apr 16 | Q1 2025 earnings | Negative | -0.4% | Net income and EPS declined versus Q1 2024 despite stable operations. |
| Jan 16 | Q4 and FY 2024 earnings | Positive | +1.4% | Record quarterly and annual earnings with double-digit loan and deposit growth. |
Earnings releases have generally been received positively, with modest average gains and only one notable divergence where strong results coincided with a slight price decline.
Over the past year, Bank OZK’s earnings reports have highlighted record results in 2024 and early 2025, followed by more modest trends. Q2 and Q3 2025 delivered record net income and EPS, while Q1 2025 showed slight year-over-year declines. Full-year 2025 net income was essentially flat but EPS reached a record. Against this backdrop, the Q1 2026 release showing lower net income and EPS extends the recent shift from record growth toward mild earnings pressure.
Historical Comparison
In the past year, Bank OZK’s earnings headlines led to average moves of about 0.33%, typically modest reactions even to record results.
Earnings progressed from record 2024 results to more mixed 2025 quarters, with Q1 2025 and Q1 2026 both showing year-over-year EPS and net income declines after a streak of record quarters.
Market Pulse Summary
This announcement reports Q1 2026 net income of $159.3 million and diluted EPS of $1.44, both down year-over-year, following a run of record results through 2024 and largely stable performance in 2025. Investors may compare these figures with past earnings releases that typically produced modest price moves averaging about 0.33%. Key factors to monitor include asset growth, credit quality, and net interest income trends discussed in the accompanying management comments and financial supplement.
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 | |
