The EPS beat vs consensus is a positive surprise, but the YoY decline in net income and EPS warrants caution. Monitor the upcoming conference call for commentary on loan growth, credit quality, and net interest margin trajectory.
Price Chart
Executive Summary
Bank OZK reported Q3 2026 EPS of $1.50, a 5.0% beat vs consensus of $1.43, but net income available to common stockholders declined 9.0% YoY to $164.3M. Revenue was not explicitly reported in the press release, and no guidance was provided. The EPS beat is positive relative to expectations, but the YoY earnings decline tempers the outlook.
Key Financial Metrics
Key Facts
- Q3 2026 EPS of $1.50 beat consensus of $1.43 by 5.0%
- Net income available to common stockholders was $164.3M, down 9.0% YoY from $180.5M
- EPS declined 5.7% YoY from $1.59 in Q3 2025
- Net interest margin was 4.24%
- Efficiency ratio was 39.9%
- Total assets reached a record $43.2 billion as of September 30, 2026
- No guidance was provided in the press release
Financial Impact
EPS beat of $0.07 (5.0%) vs consensus; net income down 9.0% YoY
Risk Factors
- YoY decline in net income and EPS signals potential earnings pressure
- No guidance provided limits forward visibility
- Regional bank exposure to commercial real estate and interest rate sensitivity
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3384941 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 7d ago | Press Release | $48.09 | awaiting T+20 | — | $50.77 (+5.57%) |
Oct 1, 2026 26d ago | Press Release | $46.71 | awaiting T+20 | — | $50.77 (+8.70%) |
Sep 30, 2026 27d ago | Press Release | $46.34 | awaiting T+20 | — | $50.77 (+9.56%) |
Jul 21, 2026 14w ago | Press Release | $50.97 $49.48 | ▲ +2.92% | ▲ +5.82% | $50.77 (+0.39%) |
Jul 1, 2026 16w ago | Press Release | $49.84 $50.99 | ▲ +2.31% | ▲ +2.72% | $50.77 (+1.87%) |
Jun 30, 2026 17w ago | Press Release | $52.85 | awaiting T+20 | — | $50.77 (−3.94%) |
Jun 29, 2026 17w ago | Press Release | $52.09 $50.38 | ▼ −3.28% | ▼ −2.25% | $50.77 (−2.53%) |
Jun 11, 2026 19w ago | Institutional Cluster | $51.63 $50.17 | ▲ +2.83% | ▲ +4.72% | $50.77 (+1.67%) |
Apr 21, 2026 27w ago | Press Release | $47.52 $47.03 | ▲ +1.03% | ▲ +4.20% | $50.77 (−6.84%) |
Apr 1, 2026 29w ago | Press Release | $45.86 $48.16 | ▲ +5.02% | ▼ −4.85% | $50.77 (+10.72%) |
US Market Status
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