UBS Maintains Neutral Stance on Bank OZK (OZK), Cites Mixed Credit Results

Bank OZK (NASDAQ:OZK) is included in our list of the 12 deep value stocks to invest in.

On October 28, 2025, UBS reduced its price target on Bank OZK (NASDAQ:OZK) from $57 to $50, while reiterating its “Neutral” rating. While the company boasts steady fundamentals, the investment firm believes mixed credit results weigh on the stock. Looking ahead, the firm believes the next 15 months will be a critical period for the company, during which its diversification efforts are expected to significantly impact its long-term growth.

Bank OZK (NASDAQ:OZK) reported Q3 2025 results just weeks earlier on October 16. It reported a 1.9% YoY growth in net income, bringing it to $180.5 million. Meanwhile, EPS increased by 2.6%, reaching $1.59, driven by strong net interest income and solid asset quality. The company’s cash balances grew to $3.12 billion from $2.78 billion in the same period a year earlier. Total interest income for the quarter was recorded at $695 million, an increase compared to $682 million in Q3 2024. Citing disciplined execution and capital strength shown in the quarter, the company’s CEO feels confident that Bank OZK will achieve record full-year performance.

Bank OZK (NASDAQ:OZK), a regional bank, delivers innovative financial solutions across nine U.S. states, with assets totaling $41.6 billion as of September 2025.

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