BUZZ-Regional lender Bank OZK falls after Q3 profit miss

** Regional lender Bank OZK's OZK.O shares fall 3.8% to $45.25

** Late Thursday, OZK reported record Q3 profit but still fell short of Wall Street expectations

** Citi analyst Benjamin Gerlinger says softer-than-expected growth outlook and elevated net charge-offs - or debts that are unlikely to be recovered - likely to weigh on shares

** Piper Sandler analyst Stephen Scouten says record interest income and profit likely overshadowed by modest credit deterioration that could weigh on shares

** Raymond James downgrades OZK to "market perform" from "outperform", says initial FY 2026 outlook drives a 12% reduction to next year's EPS forecast

** 4 of 10 brokerages rate the stock "buy" or higher, 5 "hold" and 1 "strong sell"; median PT $59 - data compiled by LSEG

** As of last close, OZK stock up 5.6% YTD

(Reporting by Arasu Kannagi Basil in Bengaluru)

((ArasuKannagi.Basil@thomsonreuters.com;))