Bank OZK
Provides branch banking alongside nationwide real-estate construction and RV and marine lending.
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Profile
Provides branch-based banking across nine states alongside nationwide specialty lending. Its core specialties include commercial-real-estate construction and development finance and dealer-network consumer loans for recreational vehicles and marine products.
Operates a multistate branch banking franchise while extending specialized lending nationwide. Its Real Estate Specialties Group, or RESG, finances commercial-real-estate construction and development, while its indirect lending division makes dealer-network consumer loans for RV and marine products.
The bank expanded beyond its Arkansas community-bank roots through acquisitions and later adopted the Bank OZK name as its presence broadened. Its branch network supports a nine-state footprint, while specialty lending serves major U.S. markets.
George Gleason remains chairman and chief executive. The business is shaped by its reliance on a branch-based deposit franchise and by concentration in RESG lending.
Company facts
Categories
Key statistics
Year to date +5.0% · Average volume (30d) 1.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | Piper Sandler | Reiterate | Overweight | $62 | $61 | |
| Jul 6, 2026 | Wells Fargo | Reiterate | Equal Weight | $50 | $52 | |
| Jul 6, 2026 | Cowen & Co. | Downgrade | Buy | Hold | ||
| Jul 6, 2026 | TD Cowen | Downgrade | Buy | Hold | ||
| Jun 29, 2026 | Morgan Stanley | Reiterate | Positive | $57 | $56 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $1.48 | $1.49 | +0.7% | $436.4M | $435.8M | −0.1% | +0.37% |
| Apr 21, 2026Q1 FY26 | $1.46 | $1.44 | −1.4% | $423.0M | $422.3M | −0.2% | −2.06% |
| Jan 20, 2026Q4 FY25 | $1.56 | $1.53 | −1.9% | $434.6M | $444.6M | +2.3% | +0.06% |
| Oct 16, 2025Q3 FY25 | $1.65 | $1.59 | −3.6% | $447.4M | $449.9M | +0.6% | −2.25% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $670.5M | $699.6M | $731.1M | $704.6M | $661.5M | $672.9M | |
| Gross profit | $370.8M | $392.8M | $401.6M | $390.1M | $376.2M | $384.4M | |
| Operating income | $223.9M | $239.7M | $242.3M | $228.4M | $211.6M | $213.8M | |
| Net income | $172.0M | $183.0M | $184.6M | $176.0M | $163.4M | $167.4M | |
| Diluted EPS | $1.47 | $1.58 | $1.59 | $1.53 | $1.44 | $1.49 | |
| Gross margin | 55.3% | 56.1% | 54.9% | 55.4% | 56.9% | 57.1% | |
| Operating margin | 33.4% | 34.3% | 33.1% | 32.4% | 32.0% | 31.8% |
Fiscal years (4-quarter sums)FY21 $1.18B · FY22 $1.37B · FY23 $2.26B · FY24 $2.77B · FY25 $2.81B
Balance sheet, Jun 30, 2026Cash & short-term investments $1.55B · Total debt $668.2M · Total assets $41.70B · Shareholders' equity $6.28B
Dividends
Raised for 27 straight years — most recently to $0.48 from $0.47 in Jul 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 13, 2026 | Jul 13 | Jul 20 | $0.48 | raised from $0.47 |
| Apr 13, 2026 | Apr 13 | Apr 20 | $0.47 | raised from $0.46 |
| Jan 13, 2026 | Jan 13 | Jan 20 | $0.46 | raised from $0.45 |
| Oct 14, 2025 | Oct 14 | Oct 21 | $0.45 | raised from $0.44 |
| Jul 11, 2025 | Jul 11 | Jul 18 | $0.44 | raised from $0.43 |
| Apr 14, 2025 | Apr 14 | Apr 21 | $0.43 | raised from $0.42 |
| Jan 14, 2025 | Jan 14 | Jan 21 | $0.42 | raised from $0.41 |
| Oct 11, 2024 | Oct 11 | Oct 18 | $0.41 | raised from $0.40 |
Ownership
Shares outstanding 109.17M · Float 100.60M · 92.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 10.74M | 9.84% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 6.68M | 6.12% | 13F | Aug 11, 2026 |
| State Street Corp | 6.08M | 5.57% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 5.20M | 4.76% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 4.73M | 4.34% | 13F | Aug 13, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Wells Fargo
Large-scale CRE construction and permanent-financing overlap
- JPMorgan Chase
Scaled commercial-real-estate lending for major US markets
- Truist Financial
Sun Belt CRE lender across construction and development loans
- Regions Financial
Southeastern bank with construction and income-property finance
- BankUnited
Florida-centered commercial bank with CRE and construction loans
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Bank OZK | $49.40 | −0.02% | $5.39B | 8.2 | 8.5 | 1.9 | +1.8% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| BankUnited | $46.39 | −0.01% | $3.37B | 13.0 | 10.9 | 1.8 | +3.9% |
| Median | 12.5 | 11.1 | 2.1 | +6.5% |