Full-year net income down at Bank OZK, revenue up 4.2%
by January 20, 2026 3:40 pm 476 views
Little Rock-based Bank OZK on Tuesday (Jan. 20) reported fourth quarter net income of $$171.916 million, down 3.5% compared with the same quarter in 2024. The per share earnings of $1.53 missed the consensus estimate of $1.55.
Revenue in the final quarter of 2025 was $440.651 million, up 6.8% from $412.39 million in the same quarter of 2024. The revenue beat the consensus estimate of $434.35 million.
The full-year net income for the bank was $699.293 million, just below the $700.269 million in 2024. Revenue for the year was $1.727 billion, better than the $1.658 billion in 2024.
“Our 2025 net income available to common stockholders of $699.3 million almost equaled our record results of $700.3 million for 2024, and our 2025 EPS of $6.18 was a new record, improving on 2024’s record $6.14,” George Gleason, bank chair and CEO, said in the earnings report posted after the markets closed. “Over the last three years, we have grown assets a cumulative 47% and produced record EPS each year. Our goal for 2026 is to produce another year of record EPS.”
The company for the year grew deposits by 7.5% and grew the loan portfolio by 7.8%. The company’s allowance for credit losses was $172.514 million at the end of 2025, down from $175.552 million at the end of 2024.
Following are other financial items from the quarterly and full-year 2025 report.
• Total assets as of Dec. 31 reached $40.785 billion, up from $38,258 billion at the same period in 2024.
• Total loans as of Dec. 31 were $32.317 billion, up from $29.968 billion at the same period in 2024.
• Total deposits as of Dec. 31 were $33.384 billion, up from $31.043 billion at the same period in 2024.
• The return on assets (ROA) as of Dec. 31 was 1.67%, down from 1.87% at the same period in 2024.
The bank reported full-year 2024 net income of $700.269 million, a record for the bank and up 3.8% compared with 2023 net income. The bank in 2024 also reported full-year revenue of $1.658 billion, better than $1.562 billion in 2023.
Established in 1903 with a charter based in Jasper, Ark., Bank OZK has operations and 265 offices in Arkansas, California, Florida, Georgia, Mississippi, New York, North Carolina, Tennessee, and Texas.
Bank OZK shares (NASDAQ: OZK) closed Tuesday at $47.80, down 70 cents. The share price has in the past 52 weeks ranged between $53.66 and $35.71.