For the quarter ended September 2026, Bank OZK (OZK) reported revenue of $439.24 million, down 2.4% over the same period last year. EPS came in at $1.50, compared to $1.59 in the year-ago quarter.
The reported revenue represents a surprise of +1.68% over the Zacks Consensus Estimate of $432 million. With the consensus EPS estimate being $1.45, the EPS surprise was +3.45%.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:
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Net interest margin (FTE): 4.2% compared to the 4.2% average estimate based on six analysts.
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Efficiency Ratio: 39.9% versus 39.2% estimated by six analysts on average.
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Net charge-offs to average loans: 0.5% versus the five-analyst average estimate of 0.6%.
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Average Balance - Total earning assets (FTE): $38.38 billion versus $38.29 billion estimated by four analysts on average.
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Non-accrual loans: $89.12 million versus the three-analyst average estimate of $299.13 million.
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Total Non-Interest Income: $36.25 million compared to the $37.48 million average estimate based on six analysts.
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Net Interest Income (FTE): $409.99 million versus the five-analyst average estimate of $401.61 million.
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Net Interest Income: $402.99 million compared to the $395.08 million average estimate based on five analysts.
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Loan-related fees: $11.23 million versus $11.59 million estimated by four analysts on average.
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Deposit-related fees: $11.7 million versus $11.59 million estimated by four analysts on average.
View all Key Company Metrics for Bank OZK here>>>
Shares of Bank OZK have returned -5.4% over the past month versus the Zacks S&P 500 composite's +0.7% 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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This article originally published on Zacks Investment Research (zacks.com).
