OZK

Bank OZK offers both undervalued common stock and a preferred with an unusually high, secure yield. OZK's diversification into corporate and institutional lending raises non-interest expenses but aims to reduce real estate concentration risk. Credit quality remains robust, with substandard loans at just 1.15% of the $32.5B portfolio, and loss provisions not signaling material weakness.

OZK, COLB and CAG have been added to the Zacks Rank #5 (Strong Sell) List on August 25th, 2026.

AU, OZK and COLB have been added to the Zacks Rank #5 (Strong Sell) List on August 21st, 2026.

Bank OZK (OZK) reported earnings 30 days ago. What's next for the stock?

Bank OZK (OZK) Q2 2026 Earnings Call Transcript

OZK's Q2 results benefit from higher fee income and record deposits. However, shares fall as lower NII and weaker credit quality weigh on sentiment.

Bank OZK NASDAQ: OZK executives used the company's second-quarter 2026 earnings call to emphasize the bank's ongoing shift toward a more diversified loan portfolio, with rapid growth in corporate and institutional banking helping offset elevated repayments in its real estate specialties group.

Bank OZK: Faster Diversification Is Worth Near-Term Earnings Pressure

The headline numbers for Bank OZK (OZK) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

LITTLE ROCK, Ark., July 21, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the second quarter of 2026 was $163.3 million, a decrease of 8.7% from $178.9 million for the second quarter of 2025, but an increase of 2.5% from $159.3 million for the first quarter of 2026. For the first six months of 2026, net income available to common stockholders was $322.6 million, a 7.0% decrease from $346.8 million for the first six months of 2025. Diluted earnings per common share (“EPS”) for the second quarter of 2026 were $1.49, a decrease of 5.7% from $1.58 for the second quarter of 2025, but an increase of 3.5% from $1.44 for the first quarter of 2026. EPS for the first six months of 2026 were $2.93, a 3.9% decrease from $3.05 for the first six months of 2025.