• Piper Sandler sets a price target of $62 for Bank OZK (NASDAQ:OZK), indicating a potential increase of about 29.63%.
• The bank reported a slight decrease in earnings per share and faced challenges such as increased provisions for credit losses and rising operating expenses.
• Despite these challenges, Bank OZK saw a 6.9% increase in net revenues and healthy growth in loans and deposits.

Bank OZK, listed on the NASDAQ as OZK, is a regional bank that provides a range of financial services. On January 22, 2026, Piper Sandler set a price target of $62 for OZK, suggesting a potential price increase of about 29.63% from its current price of $47.83. This optimistic outlook comes despite recent challenges faced by the bank.

Following the release of its fourth-quarter 2025 earnings report, OZK shares declined by 1.4%. The report revealed earnings per share of $1.53, which is a 1.9% decrease from the previous year and below the Zacks Consensus Estimate of $1.56. The shortfall is mainly due to increased provisions for credit losses and rising operating expenses.

Despite these setbacks, Bank OZK experienced a 6.9% increase in net revenues, driven by growth in net interest income. However, the bank's margins saw a slight contraction. Asset quality showed signs of weakening, with increases in charge-offs, non-performing loans, and credit-loss provisions. Nonetheless, the bank reported healthy year-over-year growth in loans and deposits.

For the full year 2025, Bank OZK's earnings per share were $6.18. Net income available to common shareholders was $171.9 million, down from $178.1 million the previous year. The stock has fluctuated between $46 and $49.69 today, with a market capitalization of approximately $5.35 billion. The trading volume for OZK is 4,529,664 shares.