HOMB
Home Bancshares, Inc. (Conway, AR)28.70
-0.05-0.17%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
5.64BP/E (TTM)
12.48Basic EPS (TTM)
2.30Dividend Yield
0.03%Recent Filings
8-K
10-Q
Q3 FY2025 results
Home BancShares posted solid Q3 FY2025 results, with net income up 23.6% year-over-year to $123.6 million and diluted EPS steady at $0.63. Net interest income climbed 5.2% to $226.2 million on a 28 basis point expansion of the margin to 4.56%, fueled by lower funding costs after paying off $140 million in high-rate subordinated notes and $20 million in repurchases, while loan growth of $521.5 million offset some investment runoff. Non-interest income surged 20.4% to $51.5 million, boosted by a $1.9 million debt retirement gain and $2.0 million in historic loss recoveries, though non-interest expense rose 4.4% to $114.8 million on higher salaries. Credit quality strengthened, with non-performing assets dipping to 0.56% of total assets and total credit loss expense at just $3.5 million after a $2.2 million investment recovery. Liquidity remains robust at $5.72 billion, exceeding uninsured deposits by $1.03 billion. Yet regulatory scrutiny on commercial real estate concentrations lingers.
8-K
Record Q3 earnings hit $123.6M
Home BancShares posted record Q3 2025 net income of $123.6 million, up from $118.4 million in Q2, driven by $277.7 million in total revenue and a net interest margin of 4.56%. Loans grew $105.3 million to $15.29 billion amid organic community banking expansion, while non-performing assets fell to 0.56% of total assets. Strength persists. The company redeemed $140 million in subordinated notes, trimming capital ratios by 87 basis points.
10-Q
Q2 FY2025 results
Home BancShares posted solid Q2 results, with net income up 16.6% year-over-year to $118.4 million, or $0.60 diluted EPS, driven by net interest income growth to $220.0 million (up 3.8% y/y, derived) amid a 17 basis point expansion in net interest margin to 4.44%. Loan growth accelerated to $416.1 million quarter-over-quarter (derived), pushing total loans to $15.18 billion, while deposits rose $342.1 million to $17.49 billion; provision for credit losses dipped to $3.0 million from $8.0 million y/y, reflecting stable asset quality with non-performing loans at 0.63% of total. Liquidity remains robust at $5.90 billion available, exceeding uninsured deposits by $1.13 billion, and total debt stood at $1.13 billion including $550.5 million in FHLB advances (maturities 2025-2037, rates 3.37%-4.84%). Yet competition from larger banks and fintechs pressures deposit pricing in key markets like Florida and Texas.
8-K
Record Q2 earnings boost HOMB
Home BancShares reported record Q2 2025 net income of $118.4 million and diluted EPS of $0.60, up from $115.2 million and $0.58 in Q1, driven by $271.0 million in net revenue and steady 4.44% NIM amid loan growth to $15.18 billion. Organic expansion in community banking and CFG segments fueled the gains, while non-performing assets ticked up to 0.60% of total assets. Strength builds steadily. Yet, rising legal claims expense signals watch points.
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