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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Home Bancshares (Conway, AR)
Home Bancshares (Conway, AR) (HOMB) investor relations material
Home Bancshares (Conway, AR) Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary15 Oct, 2026
Executive summary
Record Q3 net income was $129.5M, or $0.65 per diluted share; adjusted net income was $129.1M, also a record, up 7.9% YoY.
Nine-month net income was $367.0M versus $357.2M a year earlier; adjusted nine-month earnings of $380M supported the $500M earnings goal.
Stronger net interest income and lower funding costs supported results, while lower non-interest income and higher operating expenses weighed on performance.
Financial highlights
Q3 net interest income was $242.0M, versus $226.2M YoY; net interest income after credit loss expense was $242.0M, up from $222.7M YoY.
PPNR was $166.9M versus $162.8M YoY; adjusted PPNR was $166.6M versus $157.7M.
Non-interest income declined 9.8% YoY to $46.4M; non-interest expense rose 5.8% to $121.5M, including $12.7M in merger and acquisition expenses.
Nine-month merger and acquisition costs were $13.1M, reducing diluted EPS by $0.06; adjusted diluted EPS was $1.88 versus $1.75 YoY.
At September 30, assets were $24.15B, loans $16.91B, deposits $18.76B and stockholders’ equity $4.53B.
Loan and deposit trends
Total loans declined $216.6M QoQ to $16.91B; community banking had a $255.7M organic decline, partly offset by $39.1M organic growth at Centennial CFG.
Q3 loan production was $850M and payoffs totaled $1.01B; average loan balances fell $28M QoQ.
Deposits declined to $18.76B from $19.11B; legacy deposits fell $358M, reflecting municipal outflows, September tax payments and lower wholesale deposits after the Mountain Commerce acquisition.
The unfunded commitment pipeline exceeded $3.8B; management saw stronger Q4 loan opportunities, while payoff timing remained difficult to forecast.
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Latest events from Home Bancshares (Conway, AR)
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Next Home Bancshares (Conway, AR) earnings date
Stephens Annual Investment Conference17 Nov, 2026
Home Bancshares (Conway, AR)
Next Home Bancshares (Conway, AR) earnings date
Stephens Annual Investment Conference17 Nov, 2026
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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.