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Home Bancshares (Conway, AR)
Home Bancshares (Conway, AR) (HOMB) investor relations material
Home Bancshares (Conway, AR) Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary15 Jan, 2026
Executive summary
Achieved record annual net income of $475.4 million in 2025, up 18.2% year-over-year, with Q4 net income at $118.2 million and EPS of $2.41, a 20% increase from 2024.
Fourth quarter profit reached $118.2 million, with strong PPNR and efficiency ratio below 40%.
Announced acquisition of Mountain Commerce Bank, marking entry into Tennessee, expected to be accretive from day one and to close in the first half of 2026.
Annual ROA reached 2.10%, and ROE was 11.61%, reflecting strong profitability.
Q4 saw $400.2 million in loan growth, a sub-40% efficiency ratio, and robust net interest margin.
Financial highlights
Full-year revenue hit a record $1.09 billion; Q4 revenue was $282.1 million, up from $258.4 million in Q4 2024.
Net interest margin for Q4 was 4.61%, up 22 basis points year-over-year.
Loan growth for 2025 totaled $922 million (6.24%), with Q4 loan growth of $400.2 million.
Deposit balances grew by $334 million for the year, with non-interest-bearing deposits at 22% of total.
Book value per share reached $21.88, and tangible book value per share was $14.60.
Outlook and guidance
Management expects 2026 to be as successful as 2025, with seasoned lending staff and strong origination pipelines.
MCB acquisition expected to close in early Q2 2026, with further M&A opportunities being considered.
Margin expected to remain stable, with potential for slight improvement if competition allows.
Anticipates continued moderate paydowns in CCFG, but expects new volume to offset this.
Management remains focused on operational excellence, disciplined growth, and enhancing shareholder value.
Detail Q4 loan growth's impact on credit provisions
Breakdown Q4 2025 interest expense reduction
Quantify Q4 non-recurring income from lawsuit
Future M&A criteria to avoid dilution?
Loan growth outlook amid competitive pricing?
Status of DFW apartment and Texas C&I credits?
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Next Home Bancshares (Conway, AR) earnings date
Q1 202616 Apr, 2026
Home Bancshares (Conway, AR)
Next Home Bancshares (Conway, AR) earnings date
Q1 202616 Apr, 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.
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