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Home Bancshares (Conway, AR) (HOMB) investor relations material

Home Bancshares (Conway, AR) Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary16 Oct, 2025

Executive summary

  • Achieved record net income of $123.6M and record EPS of $0.63 for Q3 2025, with revenue of $277.7M and strong pre-tax, pre-provision net revenue of $162.8M, marking the best performance in the last twelve months.

  • Adjusted net income was $119.7M, and adjusted diluted EPS was $0.61, both record highs.

  • Efficiency ratio improved to 40.21%, the best in twelve months, and net interest margin rose 12 bps to 4.56%, also a twelve-month high.

  • Loans reached a record $15.18B, and total stockholders' equity grew to $4.09B, with tangible equity/tangible assets at 13.08%.

  • Settled a significant Texas lawsuit, receiving the first partial payment, with most of the balance expected in Q4.

Financial highlights

  • Net income for Q3 2025 was $123.6M, up 23.6% year-over-year from $100M in Q3 2024.

  • Net interest margin (NIM) increased to 4.56% from 4.44% sequentially, with net interest income on a fully taxable equivalent basis rising to $229.1M.

  • Return on average assets (ROA) improved to 2.17%, and return on average equity (ROE) rose to 11.91%.

  • Book value per share reached a record $21.41, and tangible book value per share was $14.13.

  • Allowance for credit losses to total loans was 1.87%, with non-performing assets to total assets at 0.56%.

Outlook and guidance

  • Management maintains a target of $500M in income for 2026, with $357.2M earned through three quarters of 2025.

  • Expecting further growth through potential acquisitions and organic expansion.

  • Anticipates additional gains from the lawsuit settlement in Q4.

  • Margin expected to remain stable despite potential rate cuts, due to proactive rate management.

  • Forward-looking statements caution about risks from economic conditions, credit quality, interest rates, and regulatory changes.

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Frequently asked questions

Home Bancshares, Inc. operates the bank holding company for Centennial Bank. The Bank provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities; construction loans to real estate developers; consumer loans for automobile purchases and debt consolidation; residential real estate financing in conjunction with the sale of new homes by builders; leasing of space in office buildings to medical professionals including physicians' offices, dentists' offices, physical therapists' offices/clinics, chiropractic offices/clinics and optometrists' offices/clinics; trust services through which the Bank holds title to real estate or personal property purchased or owned by its customers for their benefit or holding other assets for them. The company is based in Conway, Arkansas.

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