For the quarter ended September 2025, Bank OZK (OZK) reported revenue of $449.94 million, up 6.4% over the same period last year. EPS came in at $1.59, compared to $1.55 in the year-ago quarter.
The reported revenue represents a surprise of +1.32% over the Zacks Consensus Estimate of $444.07 million. With the consensus EPS estimate being $1.67, the EPS surprise was -4.79%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
- Efficiency Ratio: 35.1% versus the five-analyst average estimate of 35.2%.
- Net interest margin: 4.4% versus 4.4% estimated by five analysts on average.
- Net charge-offs to average total loans: 0.4% versus the four-analyst average estimate of 0.3%.
- Total Average Interest-Earning Assets (FTE): $38.1 billion versus $37.68 billion estimated by four analysts on average.
- Total Non-Interest Income: $36.08 million compared to the $32.78 million average estimate based on five analysts.
- Net Interest Income (FTE): $417.67 million versus $412.91 million estimated by four analysts on average.
- Net Interest Income: $413.86 million versus the four-analyst average estimate of $410.62 million.
- Gains (losses) on sales of other assets: $1.97 million versus $0.64 million estimated by three analysts on average.
- BOLI income: $6.35 million versus $6 million estimated by three analysts on average.
- Loan service, maintenance and other fees: $9.18 million versus the two-analyst average estimate of $7.79 million.
- Trust income: $2.97 million compared to the $2.76 million average estimate based on two analysts.
View all Key Company Metrics for Bank OZK here>>>
Shares of Bank OZK have returned -2.8% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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