Bank OZK

OZK

Market cap $5.15B

John Buckingham, editor of the Prudent Speculator, reminds investors to be “willing to stomach volatility.”

Shares of Bank OZK have diverged from the regional bank index in recent weeks, driven by familiar concerns regarding credit quality. Bank OZK's earnings have been a little muted so far this year, but this was expected given its asset sensitivity. Bank OZK's shares are trading for a touch over tangible book value, which is incredibly cheap given its profitability.

OZK, BCC and CLMB have been added to the Zacks Rank #5 (Strong Sell) List on Nov. 26, 2025.

OZK, BCC and CLCO have been added to the Zacks Rank #5 (Strong Sell) List on Nov. 24, 2025.

“Hi-Yield S&P Aristocrats... in the S&PComposite1500Index… combine two key-traits: (1) a long track-record of consistently-raising-dividends (typically at-least 20–25 consecutive-years, but not-always); (2) above-average dividend-yields relative to the market.”—YCharts.com.

Bank OZK and Federal Agricultural Mortgage Corporation preferred shares offer reliable, low-risk income streams ideal for income-focused portfolios. OZKAP yields 6.7%, trades at a discount, has strong dividend coverage, and low call risk, making it attractive for steady income. AGM.PR.G preferred is favored for its balance of yield, low call risk, and strong dividend coverage, despite AGM's tendency to call higher-yielding issues.

OZK's Q3 earnings rise 2.6% year over year on higher revenues, but miss estimates amid rising costs and provisions.

Bank OZK (NASDAQ:OZK ) Q3 2025 Earnings Call October 17, 2025 8:30 AM EDT Company Participants Jay Staley George Gleason - Chairman & CEO Paschall Hamblen - President Tim Hicks - Chief Financial Officer Jake Munn - President of Corporate & Institutional Banking Conference Call Participants Stephen Scouten - Piper Sandler & Co., Research Division Manan Gosalia - Morgan Stanley, Research Division Matt Olney - Stephens Inc., Research Division Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division Sun Young Lee - TD Cowen, Research Division Brian Martin - Janney Montgomery Scott LLC, Research Division Presentation Operator Good day, and thank you for standing by. Welcome to the Bank OZK Third Quarter 2025 Earnings Conference Call.

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Bank OZK remains a strong buy despite a 7% share drop and mixed Q3 results, driven by sector-wide credit fears. OZK's commercial real estate loan repayments surged, reducing CRE exposure and highlighting strong underwriting and credit quality. The bank's robust deposit growth, solid capital position, and consistent dividend increases support ongoing shareholder returns.