The EPS miss and declining YoY earnings are negative signals for OZK. Monitor the upcoming conference call for commentary on loan portfolio diversification and net interest margin outlook. The stock may face near-term selling pressure as the market prices in the earnings miss.
Price Chart
Executive Summary
Bank OZK reported Q2 2026 EPS of $1.49, a 5.7% YoY decline and a miss versus the $1.48 consensus estimate. Net income fell 8.7% YoY to $163.3M, though the bank highlighted a strong net interest margin of 4.24% and improved capital ratios. The earnings miss and declining profitability signal a bearish read-through for the quarter.
Key Financial Metrics
Key Facts
- Q2 2026 EPS of $1.49 missed consensus of $1.48
- Net income available to common stockholders fell 8.7% YoY to $163.3M
- Diluted EPS declined 5.7% YoY from $1.58
- Net interest margin was 4.24%
- Total assets were $41.7B as of June 30, 2026
Financial Impact
EPS miss of ~$0.01 vs consensus; net income down ~$15.6M YoY
Risk Factors
- Further earnings deterioration if net interest margin compresses
- Credit quality issues in the loan portfolio
- Slower-than-expected loan growth
Market Snapshot
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3330970 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 21, 2026 10w ago | Press Release | $50.97 $49.48 | ▲ +2.92% | ▲ +5.82% | $46.68 (+8.42%) |
Jul 1, 2026 13w ago | Press Release | $49.84 $50.99 | ▲ +2.31% | ▲ +2.72% | $46.68 (−6.34%) |
Jun 30, 2026 13w ago | Press Release | $52.85 $51.55 | ▲ +2.46% | ▲ +0.27% | $46.68 (+11.67%) |
Jun 29, 2026 13w ago | Press Release | $52.09 $50.38 | ▼ −3.28% | ▼ −2.25% | $46.68 (−10.39%) |
Jun 11, 2026 16w ago | Institutional Cluster | $51.63 $50.17 | ▲ +2.83% | ▲ +4.72% | $46.68 (+9.59%) |
Apr 21, 2026 23w ago | Press Release | $47.52 $47.03 | ▲ +1.03% | ▲ +4.20% | $46.68 (+1.77%) |
Apr 1, 2026 26w ago | Press Release | $45.86 $48.16 | ▲ +5.02% | ▼ −4.85% | $46.68 (+1.80%) |
US Market Status
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