The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It offers a broad suite of retail and commercial banking products including deposits, real estate and business loans, trust and wealth management, and treasury management services, serving individual consumers, small and medium-sized businesses, and commercial real estate clients. Management is targeting another record EPS year in 2026 despite a moderating credit environment.
Cyborg Score Rationale
Bank OZK delivered flat full-year 2025 earnings with strong loan and deposit growth plus record net interest income, with management targeting record EPS in 2026. However, credit concerns remain with higher-than-expected cost of risk driving a Q4 2025 bottom line miss. The bank demonstrates solid fundamentals but faces headwinds in the credit cycle.
Top Insights
Record net interest income of $1.59B in 2025 positions Bank OZK favorably in rate environment
7.8% loan growth and 7.5% deposit growth demonstrate strong competitive market position and customer acquisition
Management targeting record EPS in 2026 suggests confidence in operations despite rising credit concerns
Dividend increase announced in January 2026 with quarterly dividend of $0.46 reflects commitment to shareholder returns
Named Competitors
JPMorgan Chase — Largest US bank by assets
Bank of America — Major national bank
Regions Financial — Regional banking competitor
Truist Financial — Regional banking competitor
Recent Developments
(January 2026) Bank OZK increased quarterly common stock dividend and announced preferred stock dividend
(January 2026) Q4 2025 results showed net income of $171.9M with record annual earnings of $699.3M despite higher provision expenses
(February 2026) Hodges Capital Management disclosed $10.67M purchase of 228,146 shares, reflecting institutional confidence
Open the full interactive Bank OZK report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.