Bank OZK (OZK) reported $428.04 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 2.7%. EPS of $1.58 for the same period compares to $1.52 a year ago.
The reported revenue represents a surprise of +2.48% over the Zacks Consensus Estimate of $417.66 million. With the consensus EPS estimate being $1.51, the EPS surprise was +4.64%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank OZK performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin: 4.4% compared to the 4.3% average estimate based on five analysts.
- Efficiency Ratio: 35.5% compared to the 35.6% average estimate based on five analysts.
- Total Average Interest-Earning Assets (FTE): $36.84 billion compared to the $36.11 billion average estimate based on four analysts.
- Net charge-offs to average total loans: 0.1% compared to the 0.3% average estimate based on four analysts.
- Total Non-Interest Income: $31.29 million versus the five-analyst average estimate of $32.08 million.
- Net Interest Income (FTE): $400.69 million compared to the $388.5 million average estimate based on four analysts.
- Net Interest Income: $396.75 million versus the four-analyst average estimate of $371.63 million.
- BOLI income- Increase in cash surrender value: $5.85 million compared to the $5.91 million average estimate based on three analysts.
- Gains (losses) on sales of other assets: $0.51 million versus the two-analyst average estimate of $0.87 million.
- Loan service, maintenance and other fees: $7.93 million versus the two-analyst average estimate of $7.24 million.
- Trust income: $2.95 million versus the two-analyst average estimate of $2.74 million.
View all Key Company Metrics for Bank OZK here>>>
Shares of Bank OZK have returned +13.9% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Bank OZK (OZK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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