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Investor Relations14 Oct 2025
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Home Bancshares (Conway, AR) (HOMB) investor relations material
Home Bancshares (Conway, AR) Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Achieved record Q2 net income of $119.4M ($0.60 EPS), up 16.6% year-over-year, with return on assets at 2.08% and return on equity at 11.77%.
Tangible common equity grew 11.25% year-over-year, with book value per share at $20.71 and tangible book value at $13.44.
Total assets reached $22.91B, loans receivable $15.18B, and deposits $17.49B as of June 30, 2025.
Net interest margin improved to 4.44% year-over-year, with efficiency ratio at 41.68%.
Management expects Q3 performance to be consistent with Q1 and Q2, with potential for additional income.
Financial highlights
Net income for the first six months reached $233.6M, up over 15% year-over-year.
Non-interest income rose 19.4% in Q2, driven by service charges, trust fees, mortgage lending, and equity investment gains.
Allowance for credit losses was $281.9M (1.86% of loans); net charge-offs were 0.03% of average loans in Q2.
Deposits declined $53M in Q2 due to seasonal tax payments but rebounded in May and June.
Book value per share was $20.71; tangible book value per share (non-GAAP) was $13.44 at June 30, 2025.
Outlook and guidance
Management targets $450M in reported earnings for 2025 and $500M for 2026, contingent on asset growth.
Q3 expected to mirror strong Q1 and Q2 results; additional income possible if asset acquisitions occur.
Margin expected to benefit by 5–6 bps in Q3 from sub debt payoff, with further improvement in Q4.
The company is evaluating the impact of new U.S. tax legislation enacted in July 2025.
No material changes in risk factors or internal controls were reported for the quarter.
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Next Home Bancshares (Conway, AR) earnings date
Q3 202516 Oct, 2025
Next Home Bancshares (Conway, AR) earnings date
Q3 202516 Oct, 2025
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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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