)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Bank OZK (OZK) investor relations material
Bank OZK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Asset quality was mixed, with some loans migrating to substandard or non-accrual status, but strong sponsor support and successful asset resolutions provided stability.
Achieved record net income of $180.5 million for Q3 2025, up 1.9% year-over-year, and record diluted EPS of $1.59, up 2.6% from Q3 2024.
Management highlighted record net interest income, growth in capital ratios, and solid asset quality.
Commercial real estate markets, especially residential and multifamily, are performing well, with continued improvement in office and industrial absorption and a trend toward higher quality assets.
The bank is optimistic about loan growth, expecting mid-single digit growth in 2026 and stronger, diversified growth in 2027 as payoff waves subside and new business lines mature.
Financial highlights
Record origination growth in the Corporate & Institutional Banking (CIB) segment, with nearly two dozen new relationships and several upsized deals.
Q3 2025 net income: $180.5 million, up from $177.1 million in Q3 2024; nine-month 2025 net income: $527.4 million, up from $522.1 million in 2024.
Q3 2025 diluted EPS: $1.59, up from $1.55 in Q3 2024; nine-month 2025 EPS: $4.64, up from $4.58 in 2024.
Over $80 million in unscheduled paydowns and $13.5 million in fees collected from loan modifications and extensions.
Largest foreclosed asset sold at book value, and the next two largest OREO assets are under contract with expected neutral to positive gains.
Outlook and guidance
Management expects strong results for the full year, building on record performance in the first nine months.
Expectation for mid-single digit loan growth in 2026, with more meaningful growth in 2027 as payoff cycles normalize and all business lines contribute.
Net interest margin (NIM) expected to compress for a couple of quarters after Fed cuts, but loan floors will help stabilize margin more quickly as more loans hit their floor rates.
Net income and EPS growth in 2026 expected to be modest, with more significant operating leverage and earnings growth anticipated in 2027.
Forward-looking statements caution that actual results may differ due to risks and uncertainties.
Drivers of meaningful capital ratio growth?
Provide details on solid asset quality.
What supports record full-year results?
CIB's methodical hiring strategy?
Impact of lower rates on RESG credit health?
CIB's impact on long-term ROE?
Boston office loan's likely path?
CIB's next growth verticals and staffing plan
NIM stabilization given loan floors and Fed cuts?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bank OZK earnings date
Q4 202516 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement accounts (IRA) and certificates of deposits (CD). Bank OZK is based in Little Rock, Arkansas.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage