For the quarter ended March 2025, Bank OZK (OZK) reported revenue of $409.23 million, up 0.8% over the same period last year. EPS came in at $1.47, compared to $1.51 in the year-ago quarter.

The reported revenue represents a surprise of +2.61% over the Zacks Consensus Estimate of $398.81 million. With the consensus EPS estimate being $1.42, the EPS surprise was +3.52%.

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:

• Net interest margin: 4.3% compared to the 4.2% average estimate based on five analysts.
• Efficiency Ratio: 35.6% versus the five-analyst average estimate of 36.2%.
• Total Average Interest-Earning Assets (FTE): $35.60 billion compared to the $35.32 billion average estimate based on four analysts.
• Net charge-offs to average total loans: 0.3% versus the four-analyst average estimate of 0.3%.
• Total Non-Interest Income: $34.72 million versus the five-analyst average estimate of $30.62 million.
• Net Interest Income (FTE): $378.09 million compared to the $372.36 million average estimate based on four analysts.
• Net Interest Income: $374.51 million versus the four-analyst average estimate of $368.42 million.
• BOLI income- Increase in cash surrender value: $5.74 million versus the three-analyst average estimate of $5.88 million.
• Gains (losses) on sales of other assets: $0.77 million versus the two-analyst average estimate of $0.71 million.
• Loan service, maintenance and other fees: $8.99 million versus the two-analyst average estimate of $7.37 million.
• Trust income: $2.51 million versus $2.44 million estimated by two analysts on average.

View all Key Company Metrics for Bank OZK here>>>

Shares of Bank OZK have returned -11.2% over the past month versus the Zacks S&P 500 composite's -4.2% 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).

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