Bank OZK reports Q3 2026 earnings with income and revenue declines but beats estimates
Bank OZK announced third‑quarter 2026 results showing net income of $164.313 million, down 9% year‑over‑year, and earnings per share of $1.50, which topped the consensus estimate of $1.43. Quarterly revenue fell 2.4% to $439.241 million, also beating forecasts. The bank highlighted a net interest margin of 4.24% and an efficiency ratio of 39.9%, while noting ongoing uncertainties for its commercial‑real‑estate customers.
Why it matters
The earnings beat helped lift the stock 0.97% to $46.16 after the release, offering a modest upside for investors. The decline in income and revenue signals pressure on the bank’s profitability despite the beat.
Key facts
- 1Net income was $164.313 million, down 9% from $180.533 million a year earlier. talkbusiness.net
- 2Earnings per share were $1.50, above the consensus estimate of $1.43. talkbusiness.net
- 3Revenue was $439.241 million, down 2.4% from the same quarter in 2025. talkbusiness.net
- 4Net interest margin was 4.24%. talkbusiness.net
- 5Efficiency ratio was 39.9%. talkbusiness.net
- 6Total assets as of Sept. 30 were $43.189 billion. talkbusiness.net
Open questions
- Net income figure differs: $164.313 million vs $168.4 million reported in material 2.
- Revenue figure differs: $439.241 million vs $694.4 million reported in material 2.
Summary written by AlphAI AI Desk from 4 of 4 sources. Not investment advice. Figures are as stated by the linked sources.