Bank OZK Announces Fourth Quarter and Full Year 2025 Earnings

Rhea-AI Summary

Bank OZK (Nasdaq: OZK) reported fourth-quarter 2025 net income available to common stockholders of $171.9 million (down 3.5% year-over-year) and full-year 2025 net income of $699.3 million (down 0.1% year-over-year). Diluted EPS were $1.53 for Q4 2025 (down 1.9% YoY) and a record $6.18 for full-year 2025 (up 0.7% YoY). Management cited $2.35 billion (7.8%) loan growth, $2.34 billion (7.5%) deposit growth, and record annual net interest income of $1.59 billion. Total assets were $40.8 billion as of December 31, 2025. A conference call is scheduled for January 21, 2026 at 7:30 a.m. CT.

Positive

• Full-year EPS $6.18 — new company record
• Record annual net interest income $1.59 billion
• Loan growth of $2.35 billion (7.8%) in 2025
• Deposit growth of $2.34 billion (7.5%) in 2025
• Total assets of $40.8 billion as of 12/31/2025

Negative

• Q4 2025 net income declined 3.5% YoY to $171.9 million
• Full-year 2025 net income decreased 0.1% YoY to $699.3 million
• Q4 2025 diluted EPS fell 1.9% YoY to $1.53

News Market Reaction

+0.71%

1 alert

+0.71% News Effect

On the day this news was published, OZKAP gained 0.71%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Q4 2025 net income: $171.9 million Full-year 2025 net income: $699.3 million Q4 2025 EPS: $1.53 +5 more

8 metrics

Q4 2025 net income $171.9 million Net income available to common stockholders, Q4 2025 vs $178.1M Q4 2024

Full-year 2025 net income $699.3 million Net income available to common stockholders, 2025 vs $700.3M 2024

Q4 2025 EPS $1.53 Diluted EPS Q4 2025 vs $1.56 Q4 2024

Full-year 2025 EPS $6.18 Record diluted EPS 2025 vs $6.14 2024

Loan growth $2.35 billion 2025 loan growth, 7.8% increase

Deposit growth $2.34 billion 2025 deposit growth, 7.5% increase

Net interest income $1.59 billion Record annual net interest income for 2025

Total assets $40.8 billion Total assets as of December 31, 2025

Market Reality Check

Price: $16.88 Vol: Volume 1,795,900 is above...

high vol

$16.88 Last Close

Volume Volume 1,795,900 is above 20-day average 1,161,727, indicating elevated trading interest ahead of the earnings release. high

Technical Shares at 48.50 are trading above the 200-day MA of 47.28, showing a pre-news uptrend bias.

Peers on Argus

While OZK was roughly flat at -0.02%, regional peers like FNB (-0.57%), VLY (-1....

While OZK was roughly flat at -0.02%, regional peers like FNB (-0.57%), VLY (-1.17%), GBCI (-0.93%), PB (-1.15%) and HWC (-0.09%) traded lower, and no peers appeared in the momentum scanner, pointing to a more stock-specific setup.

Common Catalyst One peer, HWC, also reported earnings today, suggesting company-specific earnings season catalysts across regional banks rather than a broad sector momentum move.

Historical Context

5 past events · Latest: Jan 02 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 02	Dividend increase	Positive	+0.1%	Raised quarterly common dividend and continued long dividend growth streak.
Dec 30	Earnings date set	Neutral	-1.1%	Announced timing of Q4 and full-year 2025 earnings release and call.
Dec 22	Financing mandate	Neutral	-1.1%	Provided $96.7M non-recourse financing for an industrial property portfolio.
Oct 16	Record earnings	Positive	-6.9%	Reported record Q3 2025 net income and EPS with strong asset metrics.
Oct 01	Dividend increase	Positive	+0.3%	Announced 61st consecutive quarterly common stock dividend increase.

Pattern Detected

OZK often sees aligned, modest reactions to dividend and routine announcements, but prior record earnings on Oct 16, 2025 drew a sharper negative move, showing that strong reported results have not always translated into positive price action.

Recent Company History

Over the last six months, Bank OZK has combined steady dividend growth with recurring record earnings. Dividend hikes on Oct 01, 2025 and Jan 02, 2026 both saw small positive price reactions. Operationally, OZK has supported large financings, such as a $96.7 million industrial portfolio loan in December 2025. Earnings updates, including record Q3 2025 results on Oct 16, 2025, sometimes triggered negative reactions, underscoring that strong fundamentals have not guaranteed favorable short-term trading responses. Today’s mixed but record full-year EPS fits into this pattern of solid fundamentals with variable market reception.

Market Pulse Summary

This announcement highlighted record full-year EPS of $6.18 on net income of $699.3 million, alongsi...

Analysis

This announcement highlighted record full-year EPS of $6.18 on net income of $699.3 million, alongside $2.35 billion loan and $2.34 billion deposit growth and record net interest income of $1.59 billion. Q4 earnings were slightly lower year over year, but management emphasized multi-year asset growth and consistent EPS records. Compared with prior 2025 earnings releases, this continues a theme of resilient profitability. Investors may watch future quarters for loan growth, deposit trends, and asset quality metrics discussed in the accompanying management comments and supplement.

Key Terms

diluted earnings per common share, net interest income, forward-looking statements, efficiency ratio, +1 more

5 terms

diluted earnings per common share financial

"Diluted earnings per common share ("EPS") for the fourth quarter..."

Diluted earnings per common share measures a company’s profit allocated to each share assuming all potential shares that could be created — like employee stock options, warrants, or convertible debt — are exercised or converted. Think of a pie split among current and possible future diners: it shows a more conservative slice size each shareholder would get if all claims became shares, helping investors compare profitability on a worst‑case dilution basis.

net interest income financial

"...resulting in record annual net interest income of $1.59 billion."

Net interest income is the difference between the interest a financial institution earns on loans and investments and the interest it pays on deposits and borrowings. It matters to investors because it is a primary source of profit for banks and similar firms — like the gross margin on a store’s trade — and changes with loan growth, deposit costs and interest rates, so it signals core earning power and sensitivity to rate moves.

forward-looking statements regulatory

"This press release and other communications... may include certain statements that constitute “forward-looking statements”..."

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

efficiency ratio financial

"...future results, revenues, liquidity, net interest income, provision for credit losses, expenses, efficiency ratio, capital measures..."

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

Federal Deposit Insurance Corporation regulatory

"...required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (“FDIC”)..."

A U.S. government agency that insures customer deposits at member banks up to a set limit, acting like a safety net so people don’t lose their cash if a bank fails. It matters to investors because it helps maintain confidence in the banking system, reduces the chance of sudden withdrawals or bank runs, and can influence the stability and share prices of banks and financial markets.

AI-generated analysis. Not financial advice.

LITTLE ROCK, Ark., Jan. 20, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2025 was $171.9 million, a 3.5% decrease from $178.1 million for the fourth quarter of 2024. For the full year of 2025, net income available to common stockholders was $699.3 million, a 0.1% decrease from $700.3 million for the full year of 2024. Diluted earnings per common share ("EPS") for the fourth quarter of 2025 were $1.53, a 1.9% decrease from $1.56 for the fourth quarter of 2024. EPS for the full year of 2025 were a record $6.18, a 0.7% increase from $6.14 for the full year of 2024.

George Gleason, Chairman and Chief Executive Officer, stated, "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 record $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 resulting in record annual net interest income of $1.59 billion. Over the last three years, we have grown assets a cumulative 47% and produced record EPS each year. Our goal for 2026 is to produce another year of record EPS."

MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL

In connection with this release, the Bank released its management comments on its quarterly and full year 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, January 21, 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 265 offices in nine states including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California and Mississippi and had $40.8 billion in total assets as of December 31, 2025. For more information, visit ozk.com.

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

FAQ

What were Bank OZK's reported net income and EPS for Q4 2025 (OZK)?

Q4 2025 net income available to common stockholders was $171.9 million and diluted EPS were $1.53.

Did Bank OZK (OZK) report record earnings for full-year 2025?

Yes. Full-year 2025 diluted EPS were a record $6.18, up 0.7% from 2024.

How much did Bank OZK's loans and deposits grow in 2025 (OZK)?

Loans grew by $2.35 billion (7.8%) and deposits grew by $2.34 billion (7.5%) in 2025.

When is Bank OZK's earnings conference call for the Q4/2025 results (OZK)?

The conference call is scheduled for January 21, 2026 at 7:30 a.m. CT (8:30 a.m. ET), with a live webcast on the investor relations website.

What were Bank OZK's total assets at year-end 2025 (OZK)?

Total assets were reported as $40.8 billion as of December 31, 2025.